Health & Recovery

ADD COVER
Cover medical bills and get access to leading recovery services to regain your fitness

BIKES & Gear

ADD COVER
Have your bikes and accessories replaced or repaired in no time

Your monthly share

Bicycle Insurance
£0
Recovery Insurance
£0
You will usually pay around
£0
But never more than
£0
I have a referral code
Referral credit applied!
You selected both covers. Let's set up your bikes first and then move on to adding recovery insurance.
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Insurance like cleaning that last booter. Gnarly.

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MTB'er
Backed by Laka

Mountain bike insurance

Whether your shredding technical singletrack or grinding up steep climbs, from your local woods to your favourite trail centre, choose cover that’s ahead of the pack. Cover your bike and gear with Laka’s 5-star rated bicycle insurance.

What it costs

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

£1000£3500£5000
£6
per month
£72
per year
£19
per month
£230
per year
£27
per month
£328
per year
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WHY IT VARIES

We calculate your premium 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. On average being part of our collective is 25% cheaper than other traditional insurers.

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Bicycle Cover

WHAT'S COVERED

Theft

The big one. Bikes and accessories are covered against theft anywhere in the world. As long as you’re using a Sold Secure Gold lock.

Damage and Vandalism

Whether it's sliding out on the trail, crashing mid-race, even damage in transit by a third party, 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.

Loss

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

Travel for 60 days

MTB'ing abroad? Your gear is covered globally for up to 60 consecutive days. If you're ever planning to travel for longer than that, let us know and we can look at your options.

In or on your car

Breaking a car window is a lot easier than breaking a bike lock. So while we do cover 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.

Races

Downhill, cross-country, enduro, you name it, we cover all mountain bike events. Read the exceptions if you're racing at professional level.

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.
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Full cover details

The Laka Experience

  • 1
    Add your bike 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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Why do I need MTB insurance?

Good question. The simple answer is once you get into the small print, standard home insurance policies typically aren’t enough for most cyclists. While our road bike insurance is made especially for cyclists and their needs.
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