Mountain Bike Insurance

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

5-Star Rated
Mountain Biking Insurance

Laka's 5-star claims service is an experience so good, you'll actually want to claim.
Voted 'Best Cycle Insurance Provider' for 4 years running.
But don't take it from us. Here's what the collective have to say.
for 4 years running

" Just made my first claim and have been amazed at the support and service received. Want to call out Matt the bike guru who supported my claim, he resolved a stressful situation. Insurance isn't just about the fee you pay, it's the about the service you receive."

Ryan

"Highly recommend - has been a very competitive monthly cost, and excellent service when I needed to claim. Laka sent out mechanics to collect and check my bike and I was able to get my custom-fit race bike replaced within a week!"

Feodora

"Basically the hype is real, which in today's world of cost cutting, pretend-optimised, overly complicated engagements with customer service is great. It just works, in exactly the same way many other companies don't when dealing with them."

Valentin

"I don’t really do recommendations but I have to praise Laka. I recently had an accident on my bike and contacted Laka. This was genuinely the most painless experience ever. If your bike is your pride and joy you must use Laka."

James

"Amazing customer service, quick, responsive and spot on. I couldn't believe my whole claim was sorted in 2 days with plenty of flexibility. Insurance solutions from cyclist to cyclist is definitely for real, I strongly recommend Laka!"
‍

Sandro

"Laka are literal bike-savers! My brand new Pinarello was stolen. Losing your bike is always a risk. When it happens it’s an awful feeling but getting a replacement of your choice couldn’t have been more easy with Laka and helped get back on the road."

Jonny

What it costs

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

£1000
£3500
£5000
£8
per month
£96
per year
£22
per month
£264
per year
£30
per month
£360
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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Bicycle insurance

WHAT'S COVERED

Theft

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

Damage and Vandalism

Whether it’s a traffic accident, race crash, 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.

Third-party Loss

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

Races

Sportives are a huge part of cycling, so of course we include them in our cover. You’re even covered in transition areas during triathlons. Read the exceptions if you’re racing at 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 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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FAQs

Any questions? Here's some frequently asked questions about mountain bike insurance. If you're looking for other info about Laka try our Help Center.

  • Can you get insurance on mountain bikes?

    Yes! Top-notch mountain bike and electric mountain bike insurance lets us ride to the limit. With a Laka policy we can cover your mountain bikes and E-MTBs. We can also cover your mountain bike clothing and accessories too. 

    ‍    ‍We cover any mountain bike between £300 and £15,000. If you need help don’t hesitate to contact us.

  • Do you need insurance for a mountain bike?

    Insurance for mountain bikers isn’t enforced by law. So whether you opt for specialist mountain biking insurance is your choice.

    If you’re a passionate mountain biker that loves your bike you’ll want specialist insurance that covers all of the details.

    Our mountain bike insurance is built tough enough to survive any black run. Theft (from home or your vehicle), accidental damage & loss is included. As well as worldwide travel cover and racing (be it enduro, XC or downhill).

    To view our full coverage check the policy wording. And if you need help, contact us.

Cycling liability and legal cover for £1 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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