# Bicycle Insurance Like Never Before

With Laka you'll always ride with quality and cost-effective bicycle insurance. So whether it's a pothole that buckled your wheel, some knob that nicked your bike, or an airline that’s lost your gear - Team Laka will get you back in the saddle.

[Bicycle insurance cover details](/content/gb/bicycle-insurance#features-comparison-table/index.html)

## VOTED

## BEST CYCLE

## INSURANCE

## Provider

By you.

Awarded 'Best Cycle Insurance Provider' for 8 years running.

## 4.9

## 4.9

Trustpilot Custom Widget

- 5 out of 5 star rating on Trustpilot

## NOT ALL BICYCLE INSURANCE IS CREATED EQUALLY

### Bikes are just the beginning

Your bike(s), helmet, clothing, GPS and a whole lot more is covered. And that’s without excess and always for its original value.

### Handled by bike nerds

Claims are handled by a team of cyclists. Meaning you’ll always be helped by real-life experts that know what you’re going through.

## CHOOSE YOUR COVER

No matter what you ride

###### Theft

At home and on the go - including mugging or from a vehicle. Your bike, gear & accessories replaced with the latest model.

###### Crash & Accidental Damage

You’re covered for any accidental damage to your bike and accessories. And if someone intentionally breaks your gear, we'll get it fixed or replaced pronto.

###### Emergency Travel

We include £200 'get you home cash' to make life easier after an accident or theft. Might be a temporary rental bike, taxi, or train.

###### Licensed Racing

For races which require a valid racing licence. Typically road, criterium, circuit, & cyclocross racing.

###### Worldwide Travel

Global cover for up to 120 consecutive days. If you’re planning to travel for longer, let us know and we’ll look at your options.

ALWAYS INCLUDED

###### Sportives & Events

Includes sportives, club rides and similar events. It also includes racing that doesn’t require a racing licence, such as triathlon, gravel and time trialling.

###### £0 Excess

No excess to pay on bike claims.

###### Bike Rental

To keep you cycling - whatever happens. You’ll get up to £200 towards the rental of a bike whilst you’re awaiting the fulfilment of a claim.

###### Multi-Bike Discount

Get a 50% discount on any extra bikes that are in the same household and used by family members.

###### Legal Assistance

Cover for legal costs for pursuing a personal injury case after an accident that wasn’t your fault when cycling.

###### Third Party Cycling Liability Insurance

**Up to £2 million in comprehensive cover for personal liability when you're out cycling. Protect yourself in case you cause an accident, resulting in expenses, harm or damages.**

###### Laka Perks

Sweet discounts on cycling gear and goodies.

ADDITIONAL PRODUCTS

###### Health & Recovery

Accident & injury insurance that focuses on keeping you riding.

# The Laka Experience

- 1

Add your bike, clothing and gear to your policy in a matter of minutes.

- 2

We’ll estimate your monthly contribution.

- 3

Pay nothing upfront, because all claims are split fairly at the end of each month.

- 4

Keep your gear up to date and tell us when you buy any new stuff.

- 5

If shit hits the fan, claim, and experience our team move mountains to get you back in the saddle.

## FAQs

Any questions? Here's some frequently asked questions about insuring your bicycle.

- ### **How much does bicycle insurance cost?**

Depending on who you’re insured with, the cost of your bicycle insurance can vary a lot.

Our bicycle insurance starts at £5 a month.

- ### What does bicycle insurance cover?

Bicycle insurance is for helping you get back on your bike.

We cover more than most insurance policies. With Laka you’ll get cover for:

- Theft: from your home and when elsewhere

- Damage and vandalism

- Loss

- Worldwide travel for cycling abroad

- Legal assistance

- ### Do bicycles need insurance?

Insurance for bicycles isn’t enforced by law.

But bicycles can be expensive. So getting insurance for bikes can be a real lifesaver.

- ### **​​Is a bicycle covered by home insurance**?

Not always. We recommend you always check the details in your policy wording.