# Laka

**Canonical:** https://apis.io/providers/laka/  
**Website:** https://laka.co  
**APIs profiled:** 2

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.

## Kin Score — 39.1 / 100 (thin)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (-0.6 from 39.7).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 51.6 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 15.8 |
| Developer Ergonomics | 44.6 |
| Commercial Clarity | 27.6 |
| Access Clarity | 27.6 |

Regulatory layer — **Insurance**: 37.9 (matched via tags).

## Agent readiness — 24.6 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | partial |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (9)

- **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.

## MCP servers (1)

- **Laka MCP Server**

## Security (2)

- **Laka Authentication** — apiKey · 2 schemes
- **Laka Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Insurance, InsurTech, Cycling, Micro Mobility, Bicycle Insurance, Claims, Policies, Quotes, Embedded Insurance, Europe

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/laka/). Scores are computed from the provider's own public artifacts under a published rubric.