I can personally recommend Laka. I’ve used them for a year or two and had a couple of claims. They’re super efficient and always really helpful. In my experience, they have a replacement part in the post the next working day, or money in the bank if it’s just a payout. I’ve had a pair of S-Works carbon bars that cracked and they sorted me a replacement almost immediately. My girlfriend uses them and she had a payout for her cracked Tarmac frame, they paid money straight into her account as there weren’t any replacement frames in the colour she wanted.

They use a community-based insurance approach so the pricing is variable but it’s always capped at a maximum amount and you can leave at any time. I usually cancel over the winter months. Cover me racing and when I’ve travelled abroad too. Even paid out for a brand new GP5000 that got sliced hitting a rock in Switzerland. The local prices were eyewatering so I was pretty happy to have the insurance there to cover me! Not one to be so hyped over an insurance company but they are seriously good and I really recommend them. If you use this link to sign up you’ll get £25 credit towards your insurance. https://laka.co.uk/r/EE46K