cycling liability insurance and perks

For just £1 per month join the Laka Club and get third-party liability cover. Plus stacks of awesome cycling perks.
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Backed by Laka

The Laka club

The only bike membership you need. For just £1 per month.

Providing you with cycle accident liability insurance and great cycling discounts.
All for just £1 month with no contract. Pause or cancel anytime.

Third-party cycling liability

Comprehensive cover for personal liability when you're out cycling. Get that added peace of mind, just in case.

Cycling discounts

Sweet discounts on cycling gear and goodies. From locks and lights to navigation and nutrition. Everything you need for the ride.

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What's covered with cycle liability insurance?

THIRD-PARTY CYCLING LIABILITY INSURANCE

Included in your membership is third-party liability insurance for cycling. Cover to protect you for personal liability should you damage someone else's property or injury to someone whilst out riding your bike.

YOUR liability COVER

No matter what you ride,
you're covered for:

Up to £2,000,000 you are liable to pay including legal costs if you injure someone or damage their property whilst using your bike
International trips for up to 60 days per trip (excluding USA / Canada)
Full cover details

WHO'S THIS FOR

Well, pretty much anyone on two wheels who wants personal liability insurance.

Riding any bike on the daily commute, weekend rides or overseas adventures as long as it's not for commercial use
Racing, cycling events and any timed events as long as you aren't receiving an appearance fee or salary to take part
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What you get

CYCLING DISCOUNTS

Free bundle

Laka has partnered with komoot to gift you a komoot Region Bundle of your choice worth £8.99 for free! Unlock the perk to get your code then download the komoot App and redeem your pack.

komoot

Plan the perfect route with komoot

Free Region Bundle worth £8.99

Unlock

10% off

Laka members get 10% off their first order when they join SportPursuit as a new member! Save up to 70% on top cycling, sports and adventure brands with SportPursuit. Terms and conditions apply: https://www.sportpursuit.com/10-off-first-order-terms

SportPursuit

Great cycling brands at an even better price

Get 10% off your first purchase

Unlock

20% off

Get 20% off Hiploks - Secure, wearable bike locks.

Hiplok

Secure your bike with style

20% off Hiploks wearable bike locks

Unlock

15% off

As a Laka Club member you get 15% off all Restrap's awesome bike packing kit.

Restrap

Pack for your next adventure

15% off Restrap gear

Unlock

15% off

Buy any Hexlox product and get a smashing 15% off.

Hexlox

Pioneering anti-theft device for bike parts

15% off Hexlox

Unlock

20% off

20% off all Proviz clothing and accessories. Just request the perk and enter the code we sent at checkout on the Proviz site.

Proviz

Razor sharp visibility clothing & accessories

20% off all Proviz products

Unlock

HOW IT WORKS

1

Sign up

Hit Join now and start our quick and slick sign up. Add your details and tell us a little bit about your bike.

2

First month is on us

We won't charge you until your first full month. So the rest of this month is on us! From then on it's just £1 a month.

3

You're in

You'll be backed by Laka for liability and have access to our club discounts! You'll be charged £1 at the end of each month.

Join now

How we
stack up

We’ve made it straightforward for you to see how much you can save with Laka. Join the Laka club now.

Comparisons used
Price quoted from British Cycling displays the British Cycling Ride Membership 12 month package. This membership package contains other benefits. Cycling UK quote based on annual full adult membership. This membership package contains other benefits. This comparison considers the cost of memberships, it does not consider any benefits which may or may not form part of a membership. Rates are illustrative; you must visit other sites to obtain a full quote. All quotes are correct as on 06/07/2020.
How much is British Cycling membership cost compared to Laka

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FAQs

Any questions? Here are some frequently asked questions about third-party liability and the Laka Club. If you're looking for other stuff about Laka try our Help Center.

  • What does public liability for cyclists cover?

    Whether you call it cycling liability insurance, third-party cycling liability insurance or personal cycling liability insurance - these are all different names for the same thing. Cover to protect you for any damage or injury you cause to someone else or their property when using your bicycle.

  • Do I need cycling liability insurance?

    Legally you are not required to have cycling liability insurance. Unlike car insurance it's not a legal requirement. However it's worth thinking about getting as it could save you from legal fees if you become involved in an accident with a pedestrian or another road user which causes damage or injury to them.

  • Does Laka offer cover for my bikes too?

    We sure do! You can enter your bike details when you join the club and we'll be delighted to give you a quote on our unique collective cover. You can also learn about our unique collective cover for bike insurance here.

  • I have cycling liability cover with British Cycling do I need both?

    British Cycling offers some memberships which including liability cover, the cheapest costing £39 per year. So you would end up with two liability policies. It's worth being aware that if you're involved in an accident with another British Cycling member their liability policy will not cover this.

  • I already have bike insurance with Laka. Can I still join the club?

    Yes! If you're an existing liability policyholder you can access all the perks already. Right now you will have an annual policy. We'll contact you closer to the time and help you take out your new policy which would be part of the Laka Club.