Downhill Mountain Bike Insurance

Insure your down hill mountain bike with Laka's 5-star rated bicycle insurance.
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MTB'er
Backed by Laka

Downhill Bike Insurance

Whether your dropping into a black run or nailing the jumps, from your local woods to your favourite trail centre - you need cover that’ll keep you stoked. Cover your bike and gear with Laka’s 5-star rated bicycle insurance.

What it costs

Pivot Phoenix Carbon DH - £6,000

Choose the value of your bike to get an idea of your contribution.

£1000
£3500
£5000
£10
per month
£120
per year
£27
per month
£324
per year
£37
per month
£444
per year
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WHY IT VARIES

We calculate your premium retrospectively based on the cost of claims that month.

So it’ll go up (to your max cap) if more people claim and down if people don’t.

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Mountain Bike Insurance

WHAT'S COVERED

Damage and Vandalism

Whether it’s sliding out on the trail, a race crash, or even damage in transit by a third party, you’re covered for any accidental damage to your MTB, clothing and accessories. And if someone intentionally breaks your mountain bike and accessories, we'll get it fixed or replaced pronto.

Theft

The big one! Mountain bikes and accessories are covered against theft anywhere in the world. As long as you're using a Sold Secure Gold or Diamond lock.

Loss

Don’t be at loss if an airline or courier loses your mountain bike or gear – you’re covered with Laka.

Mountain Bike Races & Events

Events and races are a huge part of mountain biking, so of course we include them in our cover. Read the exceptions if you’re racing at a professional level.

In or on your car

Breaking a car window is a lot easier than breaking a bike lock. So while we do cover mountain bikes stored in and on cars, it’s best if they’re locked to something not easily removable, with a Sold Secure Gold lock, or covered out of plain sight.

Travel for 120 days

Your gear is covered globally for up to 120 consecutive days. If you’re ever planning to travel for longer than that, let us know and we can look at your options.

Emergency cash

We include £200 to make life easier after an accident or theft. Might be a temporary rental bike or a taxi home if you find yourself stranded somewhere.

Legal assistance

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

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.
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Cycling liability and legal cover for £1.50 a month

Includes £2m cycle accident liability cover in case you cause damage or injury whilst riding your bike. Plus access to cycling legal support in case you're involved in an accident that wasn't your fault.
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