Road Bike Insurance

Insure your road bike with Laka's 5-star rated bicycle insurance.
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Road Cyclist
Backed by Laka

5-Star Rated
Road Bike Cover

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.
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

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 road bike insurance. If you're looking for other info about Laka try our Help Center.
  • Unlike driving, insurance for road cycling isn’t enforced by law. So getting insurance cover for your road bike is your choice. 

    If you love your bike, you’ll want to make sure it’s fully insured.

    A Laka policy can cover everything you need for road cycling. Theft, accidental damage, & loss. As well as travel cover for trips to your favourite worldwide cycling destinations, and race & event cover, be it road race, sportive, or crit.

    Check out our article on what’s covered for more details, and if you need any extra help, contact us.

  • Absolutely. You can get insurance cover on all road bikes. Although you should check your policy details to make sure you have the right cover.

    Some insurers, particularly home insurers, can have strict limits on the values you can insure for. A Laka policy can cover any bike between £300 to £15,000.

    To find out the other types of bikes we can cover, check out our article.

  • Your road bike could be covered on your home insurance policy. However, claiming can often come with a hefty excess, impact your no-claims bonus, or increase your premium. You should also check your policy wording for the details of what is and isn’t covered.

    Some things to look out for include the max value limits, whether you’re covered outside of your home (like a theft from a bike rack), and for any specific details you might need (like travel or event cover).