cycling liability INSURANCE and legal cover

Every Laka policy includes third party cycling liability and legal cover.

[Liability Cover
[Legal Cover\

What's covered with cycle liability insurance?

THIRD-PARTY CYCLING LIABILITY INSURANCE

Included in your membership is third-party liability insurance for cycling. Cover to protect you for personal liability should you damage someone else's property or injury to someone whilst out riding your bike.

YOUR liability COVER

No matter what you ride,

you're covered for:

• Up to £2,000,000 cover to pay costs if you injure someone or damage their property whilst using your bike
• International trips for up to 120 days per trip

[Full cover details\

WHO'S THIS FOR

Well, pretty much anyone on two wheels who wants personal liability insurance.

• Riding any bike on the daily commute, weekend rides or overseas adventures as long as it's not for commercial use
• Racing, cycling events and any timed events as long as you aren't receiving an appearance fee or salary to take part

What's covered with cycling legal cover?

LEGAL COVER FOR CYCLISTS

As a Laka customer you get access to Laka Legal Services. If you're involved in an accident that wasn't your fault our cycling legal services can help you claim compensation.

Why use laka Legal Services?

Our legal services can help pursue compensation If you suffer personal injury following an incident which resulted from negligence of another road user.

Recover not only compensation for your injuries, but also loss of earnings, and the cost of repairing or replacing your damaged bicycle if your damaged bicycle was not covered by insurance.

[Legal Cover FAQs\

how does legal cover work?

Our legal partners at Carpenters Group will handle your case. They're leading experts in personal injury accident advice supporting cyclists.

You keep 100% of any compensation awarded. And if the claim does not work out you pay nothing. Absolutely no legal fees.

[Full cover details\

FAQs

Any questions? Here are some frequently asked questions about third-party liability and the Laka Club.

• What does public liability for cyclists cover?

Whether you call it cycling liability insurance, third-party cycling liability insurance or personal cycling liability insurance - these are all different names for the same thing. Cover to protect you for any damage or injury you cause to someone else or their property when using your bicycle.

• Do I need cycling liability insurance?

Legally you are not required to have cycling liability insurance. Unlike car insurance it's not a legal requirement. However it's worth thinking about getting as it could save you from legal fees if you become involved in an accident with a pedestrian or another road user which causes damage or injury to them.

• I have cycling liability cover with British Cycling do I need both?

British Cycling offers some memberships which including liability cover, the cheapest costing £39 per year. So you would end up with two liability policies. It's worth being aware that if you're involved in an accident with another British Cycling member their liability policy will not cover this.