What's the Laka Club?

The Laka Club is the lightweight insurance package for your first pedal strokes. You get:

Third-party cover
Legal cover
Discounts on your favourite cycling brands

It has all the basics covered to get you protected on two wheels. And it costs just £1.50 a month.

You can add Laka Bicycle Insurance and Laka Recovery Insurance alongside your club membership, or just stick with the club. The choice is yours.

Why you need third-party cycling insurance

It’s a nasty thing to have to think about. But should the worst happen, third-party liability insurance could really save your bacon.

If you were involved in an altercation with a pedestrian or motorist out on the road, you could end up being sued to fork out for medical costs, loss of earnings, court costs and lots of other nasty surprises.

Someone who knows all about this misfortune is this guy. Robert Hazeldean was left to pay £100,000 out of his own pocket after being sued by a pedestrian when they collided on a busy junction near London Bridge. The judge ruled that both were equally to blame for the incident but only the pedestrian was allowed a payout because they had put in a claim.

It’s in these exact circumstances where Laka’s third-party liability cover is designed to protect you.

I feel very sorry for this fellow. I haven't met anyone who thinks he could have done more to avoid hitting the pedestrian.

"Help cover Robert Hazeldean's legal fees" https://t.co/vMiPTqCqh2
— Jeremy Vine (@theJeremyVine) June 21, 2019

What’s included in your Cover

The Laka liability cover suits every type of cyclist. No matter what you ride, you’ll get up to £2,000,000 that you are liable to pay including legal costs if you injure someone, or damage their property whilst using your bike.

The amount you can be asked to pay takes into account:

The claimant’s medical costs
The claimant’s loss of earnings
The cost of replacing or fixing what’s damaged

Your cover also includes international cover for up to 90 days per trip (excluding the USA & Canada). You’re also covered for every type of bike racing from mountain biking to triathlon. Though there are some exceptions if you’re being paid to participate. Sorry Team Ineos.

If you have any questions about the Laka 3rd-party liability cover you can hit the chat icon on our website to get in touch. You can also check out our FAQs, where you can read up on the nuts and bolts of the cover.

Legal Cover

By joining the Laka Club you can also access Laka Legal Services. This is a free service that can help you claim compensation if you're involved in a cycling accident that wasn't your fault.

Recover compensation for your injuries, loss of earnings and the cost of repairing or replacing your damaged bicycle if your damaged bicycle was not covered by insurance.

Providing a top-notch service is what we're about. That's why our partners at Carpenters Group will handle your claim from start to finish. They're leading experts in personal injury accident advice supporting cyclists.

You keep 100% of any compensation awarded. And if the claim does not work out you pay nothing. Absolutely no legal fees.

Legal Cover FAQs

The Perks

As well as top-notch third-party coverage, we’ve also assembled a range of awesome cycling discounts that you can take advantage of. Included in our perks are the biggest brands in cycling.

You can find out more about each perk by hitting the link.