Laka

Laka is a European InsurTech with deep micro-mobility expertise, insuring bikes, e-bikes, e-scooters and cycling gear against theft, accidental damage and loss, and providing riders and businesses with liability and personal accident cover. Laka exposes two partner-facing APIs. The Quote API is a lightweight integration for Introducer partners — retailers, e-commerce stores, bike brands and online communities — that returns pricing to riders, shares rider information to pre-fill onboarding, hands customers directly into Laka onboarding, and checks whether a rider has taken out cover. The Platform API supports Group partnerships where Laka issues the partner a Group policy whose benefits are extended to the partner's members: partners can list policies, add and remove beneficiaries, manage products and documents, and create, submit and track claims. Both APIs run as regional instances across the UK (gb) and EU (nl), are secured with API keys, and require x-api-region and x-api-language headers so the insured party is attributed to the correct regulatory region.

Laka publishes 9 API contracts indexed on the APIs.io network, including Accounts API, Claims API, Deeplinks API, and 6 more. Tagged areas include Company, Insurance, Insurtech, Cycling, and Micromobility.

Laka’s developer surface includes authentication, documentation, API reference, getting-started guide, signup flow, support, engineering blog, and 20 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

41.7/100 developing ▬ flat Agent 25/100 agent aware Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

2 published contracts 4 Agent Skills

Company Insurance Insurtech Cycling MicromobilityBicycle InsuranceClaims Policies Quotes Embedded Insurance Europe

What this lets a business do 4

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Insurance Distribution Management

BC-2110

quotequotes

GET /pricing POST /quickquote POST /quote POST /quote/{id}/handoff

Insurance Claims Management

BC-2160

claimsfleets

POST /v3/fleets/claim POST /v3/claims POST /v3/claims/{claimId}/attachments POST /v3/claims/{claimId}/submit

Policy Administration Management

BC-2140

policies

GET /v3/policies POST /v3/policies/requestCover DELETE /v3/policies/{policyId} GET /v3/policies/{policyId}

Customer Relationship Management

BC-420

accounts

POST /v3/accounts GET /v3/accounts/externalId/{externalId}

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 41.7/100 · developing

Contract Quality 9.9 / 21

Developer Ergonomics 11.2 / 17

Access Clarity 5.8 / 17

Operational Transparency 1.7 / 11

Contract Governance 0.5 / 10

Discoverability 5.6 / 9

Regulatory Posture 3.3 / 15

Agent readiness — 25/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

9 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 46.4 — up to +13.4 composite points
Access Clarity scores 34.2 — up to +13.2 composite points
Contract Governance scores 4.5 — up to +11.5 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/laka/apis.yml: open an issue on github.com/api-evangelist/laka to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 9

Individual APIs this provider publishes, each with its own machine-readable definition.

Laka Accounts API

The accounts API from Laka — 6 operation(s) for accounts.

Laka Claims API

Claims API

Laka Deeplinks API

The deeplinks API from Laka — 1 operation(s) for deeplinks.

Laka Fleets API

The fleets API from Laka — 1 operation(s) for fleets.

Laka Policies API

The policies API from Laka — 14 operation(s) for policies.

Laka Quote API

The quote service gets quotes.

Laka Quotes API

The quotes API from Laka — 1 operation(s) for quotes.

Laka Reporting API

The reporting API from Laka — 3 operation(s) for reporting.

Laka Tasks API

The tasks API from Laka — 1 operation(s) for tasks.

Scroll for all 9

Open Collections 9

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Laka accounts API

OPEN COLLECTION

Laka accounts claims API

OPEN COLLECTION

Laka accounts deeplinks API

OPEN COLLECTION

Laka accounts fleets API

OPEN COLLECTION

Laka accounts policies API

OPEN COLLECTION

Laka accounts quote API

OPEN COLLECTION

Laka accounts quotes API

OPEN COLLECTION

Laka accounts reporting API

OPEN COLLECTION

Laka accounts tasks API

OPEN COLLECTION

Scroll for all 9

Agent Skills 4

Packaged agent skills for driving this provider's APIs from an AI assistant.

laka-file-a-claim

AGENT SKILL

laka-onboard-beneficiary

AGENT SKILL

laka-quote-a-rider

AGENT SKILL

laka-reporting-sync

AGENT SKILL

OpenAPI Overlays 2

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Laka Platform Overlay

6 actions · documentation · laka-platform-openapi.json

DERIVED

Laka Quote Overlay

5 actions · documentation · laka-quote-openapi.json

DERIVED

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Laka Authentication

apiKey · 2 schemes

SECURITY

Laka Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

SignUp

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Lifecycle

Conventions

ErrorCatalog

DataModel

Conformance

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

BlogRSS

BlogRSS

Other 4

Properties that don't map to a standard resource type

CapabilityMap

Glossary

Overlay

Overlay

Source (apis.yml)

aid: laka
name: Laka
description: 'Laka is a European InsurTech with deep micro-mobility expertise, insuring bikes, e-bikes, e-scooters and cycling
  gear against theft, accidental damage and loss, and providing riders and businesses with liability and personal accident
  cover. Laka exposes two partner-facing APIs. The Quote API is a lightweight integration for Introducer partners — retailers,
  e-commerce stores, bike brands and online communities — that returns pricing to riders, shares rider information to pre-fill
  onboarding, hands customers directly into Laka onboarding, and checks whether a rider has taken out cover. The Platform
  API supports Group partnerships where Laka issues the partner a Group policy whose benefits are extended to the partner''s
  members: partners can list policies, add and remove beneficiaries, manage products and documents, and create, submit and
  track claims. Both APIs run as regional instances across the UK (gb) and EU (nl), are secured with API keys, and require
  x-api-region and x-api-language headers so the insured party is attributed to the correct regulatory region.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-09-03'
  method: derived
image: https://laka.co/favicon.ico
url: https://raw.githubusercontent.com/api-evangelist/laka/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
- creandum
x-tier: profiled
x-tier-reason: enrichment-pipeline
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-03
tags:
- Company
- Insurance
- Insurtech
- Cycling
- Micromobility
- Bicycle Insurance
- Claims
- Policies
- Quotes
- Embedded Insurance
- Europe
tags_raw:
- Company
- Insurance
- InsurTech
- Cycling
- Micro Mobility
- Bicycle Insurance
- Claims
- Policies
- Quotes
- Embedded Insurance
- Europe
apis:
- aid: laka:laka-accounts-api
  name: Laka Accounts API
  description: The accounts API from Laka — 6 operation(s) for accounts.
  humanURL: https://docs.laka.co/reference/policycontroller_getpolicies
  baseURL: https://api-gb.app.laka.co
  tags:
  - Account
  tags_raw:
  - accounts
  properties:
  - type: OpenAPI
    url: openapi/laka-accounts-api-openapi.yml
  - type: Documentation
    url: https://docs.laka.co/docs/introduction
  - type: APIReference
    url: https://docs.laka.co/reference/policycontroller_getpolicies
  - type: APIReference
    url: https://docs.laka.co/reference/quotenew
- aid: laka:laka-claims-api
  name: Laka Claims API
  description: Claims API
  humanURL: https://docs.laka.co/reference/policycontroller_getpolicies
  baseURL: https://api-gb.app.laka.co
  tags:
  - Claims
  tags_raw:
  - claims
  properties:
  - type: OpenAPI
    url: openapi/laka-claims-api-openapi.yml
  - type: Documentation
    url: https://docs.laka.co/docs/introduction
  - type: APIReference
    url: https://docs.laka.co/reference/policycontroller_getpolicies
  - type: APIReference
    url: https://docs.laka.co/reference/quotenew
- aid: laka:laka-deeplinks-api
  name: Laka Deeplinks API
  description: The deeplinks API from Laka — 1 operation(s) for deeplinks.
  humanURL: https://docs.laka.co/reference/policycontroller_getpolicies
  baseURL: https://api-gb.app.laka.co
  tags:
  - Deep Links
  tags_raw:
  - deeplinks
  properties:
  - type: OpenAPI
    url: openapi/laka-deeplinks-api-openapi.yml
  - type: Documentation
    url: https://docs.laka.co/docs/introduction
  - type: APIReference
    url: https://docs.laka.co/reference/policycontroller_getpolicies
  - type: APIReference
    url: https://docs.laka.co/reference/quotenew
- aid: laka:laka-fleets-api
  name: Laka Fleets API
  description: The fleets API from Laka — 1 operation(s) for fleets.
  humanURL: https://docs.laka.co/reference/policycontroller_getpolicies
  baseURL: https://api-gb.app.laka.co
  tags:
  - Fleet Management
  tags_raw:
  - fleets
  properties:
  - type: OpenAPI
    url: openapi/laka-fleets-api-openapi.yml
  - type: Documentation
    url: https://docs.laka.co/docs/introduction
  - type: APIReference
    url: https://docs.laka.co/reference/policycontroller_getpolicies
  - type: APIReference
    url: https://docs.laka.co/reference/quotenew
- aid: laka:laka-policies-api
  name: Laka Policies API
  description: The policies API from Laka — 14 operation(s) for policies.
  humanURL: https://docs.laka.co/reference/policycontroller_getpolicies
  baseURL: https://api-gb.app.laka.co
  tags:
  - Policies
  tags_raw:
  - policies
  properties:
  - type: OpenAPI
    url: openapi/laka-policies-api-openapi.yml
  - type: Documentation
    url: https://docs.laka.co/docs/introduction
  - type: APIReference
    url: https://docs.laka.co/reference/policycontroller_getpolicies
  - type: APIReference
    url: https://docs.laka.co/reference/quotenew
- aid: laka:laka-quote-api
  name: Laka Quote API
  description: The quote service gets quotes.
  humanURL: https://docs.laka.co/reference/policycontroller_getpolicies
  baseURL: https://api-gb.app.laka.co
  tags:
  - Quotes
  tags_raw:
  - quote
  properties:
  - type: OpenAPI
    url: openapi/laka-quote-api-openapi.yml
  - type: Documentation
    url: https://docs.laka.co/docs/introduction
  - type: APIReference
    url: https://docs.laka.co/reference/policycontroller_getpolicies
  - type: APIReference
    url: https://docs.laka.co/reference/quotenew
- aid: laka:laka-quotes-api
  name: Laka Quotes API
  description: The quotes API from Laka — 1 operation(s) for quotes.
  humanURL: https://docs.laka.co/reference/policycontroller_getpolicies
  baseURL: https://api-gb.app.laka.co
  tags:
  - Quotes
  tags_raw:
  - quotes
  properties:
  - type: OpenAPI
    url: openapi/laka-quotes-api-openapi.yml
  - type: Documentation
    url: https://docs.laka.co/docs/introduction
  - type: APIReference
    url: https://docs.laka.co/reference/policycontroller_getpolicies
  - type: APIReference
    url: https://docs.laka.co/reference/quotenew
- aid: laka:laka-reporting-api
  name: Laka Reporting API
  description: The reporting API from Laka — 3 operation(s) for reporting.
  humanURL: https://docs.laka.co/reference/policycontroller_getpolicies
  baseURL: https://api-gb.app.laka.co
  tags:
  - Reporting
  tags_raw:
  - reporting
  properties:
  - type: OpenAPI
    url: openapi/laka-reporting-api-openapi.yml
  - type: Documentation
    url: https://docs.laka.co/docs/introduction
  - type: APIReference
    url: https://docs.laka.co/reference/policycontroller_getpolicies
  - type: APIReference
    url: https://docs.laka.co/reference/quotenew
- aid: laka:laka-tasks-api
  name: Laka Tasks API
  description: The tasks API from Laka — 1 operation(s) for tasks.
  humanURL: https://docs.laka.co/reference/policycontroller_getpolicies
  baseURL: https://api-gb.app.laka.co
  tags:
  - Task
  tags_raw:
  - tasks
  properties:
  - type: OpenAPI
    url: openapi/laka-tasks-api-openapi.yml
  - type: Documentation
    url: https://docs.laka.co/docs/introduction
  - type: APIReference
    url: https://docs.laka.co/reference/policycontroller_getpolicies
  - type: APIReference
    url: https://docs.laka.co/reference/quotenew
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: CapabilityMap
  url: capabilities/laka-capability-edges.yml
  name: Laka Business Capability Map
- type: DomainSecurity
  url: security/laka-domain-security.yml
- type: Authentication
  url: authentication/laka-authentication.yml
- type: Website
  url: https://laka.co
- type: DeveloperPortal
  url: https://docs.laka.co
- type: Documentation
  url: https://docs.laka.co/docs/introduction
- type: APIReference
  url: https://docs.laka.co/reference/policycontroller_getpolicies
- type: GettingStarted
  url: https://docs.laka.co/docs/introduction
- type: SignUp
  url: https://docs.laka.co/docs/request-access
- type: Support
  url: https://docs.laka.co/docs/request-access
- type: Blog
  url: https://laka.co/gb/blog/
- type: BlogRSS
  url: https://laka.co/gb/blog/feed
- type: TermsOfService
  url: https://laka.co/gb/terms-of-use
- type: PrivacyPolicy
  url: https://laka.co/gb/privacy-policy
- type: StatusPage
  url: https://status.laka.co
- type: Glossary
  url: https://docs.laka.co/docs/glossary
- type: LLMsTxt
  url: llms/laka-llms.txt
- type: Lifecycle
  url: lifecycle/laka-lifecycle.yml
- type: Conventions
  url: conventions/laka-conventions.yml
- type: ErrorCatalog
  url: errors/laka-problem-types.yml
- type: DataModel
  url: data-model/laka-data-model.yml
- type: Conformance
  url: conformance/laka-conformance.yml
- type: Sandbox
  url: sandbox/laka-sandbox.yml
- type: X-MCPServerCandidate
  url: mcp/laka-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: AgentSkill
  url: skills/_index.yml
- type: Overlay
  url: overlays/laka-platform-overlay.yaml
- type: Overlay
  url: overlays/laka-quote-overlay.yaml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Laka API — frequently asked questions

Does Laka have an API?

Yes. APIs.io lists 9 APIs from Laka, including Laka Accounts API, Laka Claims API and Laka Deeplinks API, and 6 more.

Is there an OpenAPI specification for the Laka API?

Yes. APIs.io indexes 9 OpenAPI specifications for Laka, each linked for download from this page.

How do I authenticate with the Laka API?

Laka uses bearer-token authentication (apiKey · 2 schemes). The details are profiled on APIs.io as Laka Authentication.

Is the Laka API ready for AI agents?

Laka has a Kin Score of 41.7 out of 100 (developing) and an Agent Readiness score of 25.3 (agent-aware), scored by API Evangelist on 2026-10-31.

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