# 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

|     |     |     |     |
| --- | --- | --- | --- |
| ​ | Core | Complete | Complete + Add on |
| Theft at an **event or licensed race**, including triathlon transition zones | ✅ | ✅ | ✅<br>​ |
| Damage at an **event** | ❌ | ✅ | ✅<br>​ |
| Damage at a **Licensed Race** | ❌ | ❌<br>​ | ✅<br>​ |

# Health + Recovery Cover

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