Licensed Racing & Events

May 8, 2026

Laka offers Property, Liability and Health & Recovery insurance which can cover you at races and events.

In our eyes - licensed races, non-licensed races and events represent three different categories of risk, and we split them out in our cover.

We define a Licensed Race as:

Any event in which You use Your Insured Gear, where all of the following are true:

• Requires You to have a race licence valid for participation, and;
• Is defined as competitive by the event organiser, and;
• Involves a massed start, and;
• Is ranked by timed result or by competitive score;

If your events or races do not meet ALL the criteria above, you may not need to take our Add-On to be covered at your event. As per our definition, your 'race' might be classed simply as an 'event'.

Example events that do not require the Add-on to be covered for damage include Dirty River, RideLondon100 etc. Get in contact if you have questions about a specific event.

Bicycle / Property and Liability Cover

Scenario breakdowns

Health + Recovery Cover

You are covered at both races and events for personal injury if you have an active Health + Recovery policy (limitations apply).