We want to look after our collective on and off their bike. So this is accident and injury insurance, and then some. It includes access to specialist advice and treatments from world-class cycling experts to help you get back in the saddle stronger than ever.

COVER Made Better

  • covered
    A new kind of recovery policy for mind and body
  • covered
    Made with cyclists in mind, for less than an Americano a week
  • covered
    Cover that goes wherever you do, that's worldwide
  • covered
    Cover that does whatever you do: cycling, skiing, hiking, surfing, whatever.
  • covered
    5-star claims experience, home or abroad.


Coaching sessions and training plans by British Olympians.

Leading indoor bike trainers sent to you to build strength at home.

Effective nutritional plans to support your recovery, the tasty way.

Laka is the ultimate recovery cover for cyclists. Or it can be a cost effective addition to existing private medical insurance. Either way, our complete cover is ideal for the life of a cyclist.
Get cover




Following an accident or injury, immediate response will typically be provided by the NHS or your GP.



Your private medical care means Laka covers the cost of any necessary treatments recommended by a GP, up to £1,500.



Based on your injuries, your Laka Recovery Points can be used with our partners and services to regain fitness and build resilience.

How we
stack up

It all sounds pretty good doesn’t it? Here’s how our monthly cost compares to other types of insurance.

Private medical quote is based on a Vitality UK average policy cost. Cash health plan quote based on a Simply Health Level 4 plan. Personal accident from British Cycling shows the insurance offered within the British Cycling Race Gold Membership package. This membership package contains other benefits in addition to insurance*. Rates are illustrative; you must visit other sites to obtain a full quote. All quotes are correct as on 10/06/2020.
That's only the cost of an Americano a week for gold-medal level accident and injury cover.
We'll drink to that.

Why do I need
accident and
injury insurance?

You might already have travel or private medical insurance. But you might not know the limitations of your existing cover to you as a cyclist.

Like how travel insurance can be restricted to when you travel, not when you’re back home and starting recovery. Or how private medical insurance can cover you for high excesses, but is an expensive option targeted to more extreme cases.

Our recovery cover on the other hand is made especially with cyclists in mind.