Liability policies taken out before 23rd November 2019
Racing
You won't be covered during any races in which you are competing as a professional.
That means any races in which you earn an appearance fee for participation or are paid a salary to participate or any races organised by the Union Cycliste Internationale (UCI) which are not specifically classified as Gran Fondo or amateur races.
In North America
You’re covered whilst you’re travelling anywhere in the world for up to 90 days per trip; however, there are some cover restrictions in North America…
Your Laka liability policy won't cover you if you're using your bike for any professional, occupational or business activities whilst in the USA or Canada.
Your Laka liability policy won’t cover you for any settlements made within countries which operate under the laws of the USA or Canada either.
This is because the cost to defend or pay a claim would be much higher under the laws of the USA or Canada which would mean that we would need to charge you much more for the cover and we want to keep our prices sweet!
You will be covered if you injure someone or damage their property in the USA or Canada and you are pursued in a court not operating under their laws e.g. where you live, in the UK.
Family members
You aren’t covered for damaging the property of, or causing injury to any of your employees or members of your family who live with you. Members of your family who live with you will be covered whilst using your bike with your permission.
Liability Policies taken out after 23rd November 2019
Professional Racing
You won't be covered during any races in which you are competing as a professional.
That means you won’t be covered in any races in which you earn an appearance fee for participating or are paid a salary to participate.
Commercial Use
You won’t be covered whilst using your bike for any commercial purpose e.g. whilst working as a courier.
In North America
You won’t be covered for any claims that occur in the USA or Canada.
Family members
Only you, the Laka member will be covered whilst using your bike.