Mountain Bike Insurance

Insure your mountain bike with Laka's 5-star rated bicycle insurance.
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Backed by Laka
At home and on the go - including mugging or from a vehicle. Your bike, gear & accessories replaced with the latest model.
Crash & Accidental Damage
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.
Roadside Recovery
We include £200 'get you home cash' to make life easier after an accident or theft. Might be a temporary rental bike, taxi, or train.
Licensed Racing
For races which require a valid racing licence. Typically road, criterium, circuit, & cyclocross racing.
Worldwide Travel
Global cover for up to 120 consecutive days. If you’re planning to travel for longer, let us know and we’ll look at your options.
Sportives & Events
Includes sportives, club rides and similar events. It also includes racing that doesn’t require a racing licence, such as triathlon, gravel and time trialling. So events like RideLondon, the Dirty Reiver or your local Audax are all covered.
£0 Excess
No excess to pay on bike claims. Excess is the amount it ‘costs’ to make a claim, insurers normally deduct this from any payouts.
Bike Rental
To keep you cycling - whatever happens. You’ll get up to £200 towards the rental of a bike whilst you’re awaiting the fulfilment of a claim.
Multi-Bike Discount
Get a 50% discount on any extra bikes that are in the same household and used by family members.
Legal Assistance
Cover for legal costs for pursuing a personal injury case after an accident that wasn’t your fault when cycling. Be it a driver or pothole.
Third Party Cycling Liability Insurance
Comprehensive cover for personal liability when you're out cycling. Protect yourself in case you cause an accident, resulting in expenses, harm or damages.
Cycling Discounts
Sweet discounts on cycling gear and goodies. From locks and lights to navigation and nutrition. Grab the promo codes from your account area.
Health & Recovery
Accident & injury insurance that focuses on keeping you riding.
Crash & Accidental damage
Roadside recovery
Licensed Racing
Worldwide travel
Sportives & Events
£0 Excess
Bike rental
Multi-bike discount
Legal assistance
Third Party Cycling Liability Insurance
Cycling discounts
Health & Recovery

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 6 years running.
But don't take it from us. Here's what the collective have to say.


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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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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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.
  • 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.

  • 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.