I'm curious about 'Laka Club', the apparently free third party liability insurance from Laka:
"Coverage is provided for free if members opt in to receive Laka’s monthly newsletter.
Cyclists can join Laka to protect their bikes and gear without paying upfront premiums. Instead, Laka settles claims first and shares the cost with the community at the end of the month."
Can anyone elaborate on that final sentence?
If you're new please join in and if you have questions pop them below and the forum regulars will answer as best we can.