Cycle Insurance — backed by Laka
Insure the bike you actually ride
We have teamed up with Laka, the cycle insurance collective, so the bike you bought from us stays covered at home, on the commute and out on the trails. Theft, crash damage and accidental damage, no excess on bike claims, and cover you can pause or change whenever your riding does.
Why Laka
Insurance built by cyclists, for cyclists
Laka is a collective: everyone's contributions cover the claims, and anything left over is shared back through the community. Independent cyclists have voted it Best Cycle Insurance Provider for eight years running.
Fair, not fixed
There is no fixed premium. Laka works out your monthly contribution — up to a maximum capped amount — based on the claims the collective makes, so you are not overpaying for a quiet year.
A claims service worth having
When it goes wrong, cyclists handle it. Claim in the app and Laka arrange repairs or replacement with no depreciation and no excess on bike claims, so you get the right bike back, not a payout.
Never tied down
No twelve month lock-in. Upgrade your cover, add racing or worldwide travel, or pause it while you are off the bike — your policy moves when your riding does.
What is covered
Choose your cover
Both Laka policies protect your bike and kit. Complete adds recovery, racing and travel, and you can add the optional extras on top of either policy at any time.
Theft at home and on the go
Including mugging or theft from a vehicle
Crash and accidental damage
Bike, gear and accessories repaired or replaced
Roadside recovery
£200 get-you-home cash after an accident or theft
Licensed racing
Road, criterium, circuit and cyclocross racing
Worldwide travel
Up to 120 consecutive days abroad
Always included
Sportives and events
Club rides, sportives, triathlon, gravel and time trials — no racing licence needed.
£0 excess on bike claims
Nothing to pay towards a claim, unlike most cycle policies.
Bike rental
Up to £200 towards a hire bike while your claim is being settled.
Multi-bike discount
50% off cover for any extra bikes in the same household.
Legal assistance
Costs of pursuing a personal injury claim after a no-fault accident, driver or pothole.
Third party liability
Cover if you cause damage or injury while out riding.
Cycling discounts
Member-only deals on kit, locks, lights, navigation and nutrition.
Health and Recovery
Additional accident and injury cover that focuses on keeping you riding, taken alongside a bike policy.
Questions
Cycle insurance, answered
How does the monthly price work?
Laka does not set a fixed premium. Instead you agree a maximum monthly cap, and your contributions are calculated from the claims the collective makes in that month. Quiet months cost less; the cap means it can never run away.
What does it cost to claim?
Nothing on bike claims. Laka does not apply an excess and does not depreciate your bike, so a two year old bike is put right or replaced on a like-for-like basis.
Can I cover more than one bike?
Yes. Extra bikes in the same household used by family members get 50% off their cover, so a house full of bikes stays affordable.
I race and travel with my bike — is that covered?
Events including sportives, club rides, triathlon, gravel and time trialling are always covered. Racing that needs a licence and worldwide travel for up to 120 consecutive days are included with Complete or can be added to Core.
What happens if my bike is written off or stolen?
You claim through the Laka app. Their team arrange the repair, or replace the bike and kit with the latest model, and you can get up to £200 towards a rental bike while the claim is settled.
Is this insurance arranged by Rule #65?
No. Quotes and policies are provided and administered by Laka Ltd, who are authorised and regulated by the Financial Conduct Authority. We introduce you to them, and we are happy to talk through which cover suits your riding before you apply.
Ready when you are
Get covered in a few minutes
Get a quote from Laka directly, or call in and we will talk through the cover, the cap and what your bike is worth before you apply.
Rule #65 introduces Laka cycle insurance. Cover is arranged with Laka Ltd (No. 10575209), authorised and regulated by the Financial Conduct Authority (No. 785971). Quotes, policy terms and claims are handled by Laka — always read the policy documents before you buy.