Unfortunately, this deal is no longer valid
FREE third-party liability insurance for cyclists @ Laka Club
369° Expired

FREE third-party liability insurance for cyclists @ Laka Club

FREE£0.01
22
Posted 17th Jun

This deal is expired. Here are some options that might interest you:

If you ride a bicycle in any capacity you really ought to have 3rd-party liability insurance. Such insurance might pay out for damages and legal fees if you injure someone or damage their property whilst using your bike (please note that I am not an insurance or legal professional!).

Laka is a "community insurance" provider, and they run something called Laka Club, through which they offer 3rd-party liability insurance for free, if you agree to receive occasional emails from them.

I've only just become aware of Laka's existence, but they seem legit from my research - hopefully some HUKDers will have experiences they can share.
I believe the Laka Club emails will be advertsing their insurance products as well as offers from partners, examples of which are on the Laka Club site.
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There's definitely an element of this seeming to good to be true!
The same goes for their regular cycle insurance.

Edit: Quite a useful article if you want to get an idea of why they're able to offer this for free, and how their regular insurance works: techcrunch.com/201…aka
Edited by: "rufioh" 17th Jun
mutley119/06/2019 18:07

cyclists can cause accidents so it is not always cars that are at fault in …cyclists can cause accidents so it is not always cars that are at fault in a collision, although the blame is always instantly pushed towards the car drivers. i don't cycle through traffic much but there have been hairy moments when the car drive too close past me that I thought the car was going to push me over, and that is just bad driving as there was plenty of space for the car to stay far away from me as it goes past.i have also seen cyclist riding very badly and not taking precaution in traffic that they cause cars to honk at them, and rightly so.with dashcam being ever so popular these days, it is not so easy for the cyclist to pretend to be all innocent when they knocked off their bikes and it is their fault that they have been knocked off.also if there are witnesses, it will difficult for the cyclist who is at fault to claim innocence. and if a cyclist hit a pedestrian and hurt them, they could not just ride away, that would be a criminal offence.


The problem is not cyclists or motorists, but people! An inconsiderate person will remain that way, regardless of their chosen form of transport.
22 Comments
There's definitely an element of this seeming to good to be true!
The same goes for their regular cycle insurance.

Edit: Quite a useful article if you want to get an idea of why they're able to offer this for free, and how their regular insurance works: techcrunch.com/201…aka
Edited by: "rufioh" 17th Jun
rufioh17/06/2019 16:20

There's definitely an element of this seeming to good to be true! The same …There's definitely an element of this seeming to good to be true! The same goes for their regular cycle insurance.Edit: Quite a useful article if you want to get an idea of why they're able to offer this for free, and how their regular insurance works: https://techcrunch.com/2018/06/07/laka


This is a fantastic idea. The premium is only £0 if there are no claims in a month. The cost of claims +25% is the actual premium and is shared across all members. This should cut down on costs and prevent fraudulent claims.
Does the exclusion term "Liability arising under any road traffic legislation" mean that none legal ebikes aren't covered?
I get mine through British cycling but wondering if this could be good for my friend
jaydeeuk117/06/2019 18:31

Will you cover bikes fitted with a bafang bbs02 motor?


As long as the vehicle meets the EAPC definition of an ebike, yes! gov.uk/ele…les (Northern Ireland is a different story though)
sounds interesting. if it is free, i can't see any disadvantages. will have a look thanks
Does it stop them from going through red lights?
Does it come with a license plate?
(I think that's it... Tongue firmly in cheek)
sergiup17/06/2019 22:37

Does it stop them from going through red lights?Does it come with a …Does it stop them from going through red lights?Does it come with a license plate?(I think that's it... Tongue firmly in cheek)



Missed out the road tax
jaydeeuk117/06/2019 17:37

Does the exclusion term "Liability arising under any road traffic …Does the exclusion term "Liability arising under any road traffic legislation" mean that none legal ebikes aren't covered?


Might mean that cycling through red lights, or on pavements isn't covered.
Deal of the year
I'm insured with laka and I can vouch for them - they're great! Great customer service, easy to use and, most importantly, cheaper than all their competitors! Wish I could insure more than just my bike with them
bob_daniels8818/06/2019 13:33

I'm insured with laka and I can vouch for them - they're great! Great …I'm insured with laka and I can vouch for them - they're great! Great customer service, easy to use and, most importantly, cheaper than all their competitors! Wish I could insure more than just my bike with them


Welcome to HUKD!!!!
No need, if the incident involves a car just claim from the drivers insurance. Saves hassle.
bob_daniels8818/06/2019 13:33

I'm insured with laka and I can vouch for them - they're great! Great …I'm insured with laka and I can vouch for them - they're great! Great customer service, easy to use and, most importantly, cheaper than all their competitors! Wish I could insure more than just my bike with them


Enlightening first comment
Cameron9218/06/2019 14:58

No need, if the incident involves a car just claim from the drivers …No need, if the incident involves a car just claim from the drivers insurance. Saves hassle.


or maybe not

telegraph.co.uk/new…es/
Cameron9218/06/2019 14:58

No need, if the incident involves a car just claim from the drivers …No need, if the incident involves a car just claim from the drivers insurance. Saves hassle.


if i fall off my bike and fall into a car, so it is my fault, then i would need to pay the cost of the damage. or if i cause a car accident and it is my fault, then i would also be liable. this insurance is for those unexpected events where the cyclist is at fault.
mutley119/06/2019 12:01

if i fall off my bike and fall into a car, so it is my fault, then i would …if i fall off my bike and fall into a car, so it is my fault, then i would need to pay the cost of the damage. or if i cause a car accident and it is my fault, then i would also be liable. this insurance is for those unexpected events where the cyclist is at fault.


Yeah but if its with a car the car is always at fault. If not just cycle off.
Edited by: "Cameron92" 19th Jun
Cameron9219/06/2019 12:03

Yeah but if its with a car the car is always at fault. If not just cycle …Yeah but if its with a car the car is always at fault. If not just cycle off.


...unless the bike is so badly damaged that it won’t roll, in which case you will have to lump it over your shoulder and run for your life!
Cameron9219/06/2019 12:03

Yeah but if its with a car the car is always at fault. If not just cycle …Yeah but if its with a car the car is always at fault. If not just cycle off.


cyclists can cause accidents so it is not always cars that are at fault in a collision, although the blame is always instantly pushed towards the car drivers. i don't cycle through traffic much but there have been hairy moments when the car drive too close past me that I thought the car was going to push me over, and that is just bad driving as there was plenty of space for the car to stay far away from me as it goes past.

i have also seen cyclist riding very badly and not taking precaution in traffic that they cause cars to honk at them, and rightly so.

with dashcam being ever so popular these days, it is not so easy for the cyclist to pretend to be all innocent when they knocked off their bikes and it is their fault that they have been knocked off.

also if there are witnesses, it will difficult for the cyclist who is at fault to claim innocence. and if a cyclist hit a pedestrian and hurt them, they could not just ride away, that would be a criminal offence.
mutley119/06/2019 18:07

cyclists can cause accidents so it is not always cars that are at fault in …cyclists can cause accidents so it is not always cars that are at fault in a collision, although the blame is always instantly pushed towards the car drivers. i don't cycle through traffic much but there have been hairy moments when the car drive too close past me that I thought the car was going to push me over, and that is just bad driving as there was plenty of space for the car to stay far away from me as it goes past.i have also seen cyclist riding very badly and not taking precaution in traffic that they cause cars to honk at them, and rightly so.with dashcam being ever so popular these days, it is not so easy for the cyclist to pretend to be all innocent when they knocked off their bikes and it is their fault that they have been knocked off.also if there are witnesses, it will difficult for the cyclist who is at fault to claim innocence. and if a cyclist hit a pedestrian and hurt them, they could not just ride away, that would be a criminal offence.


The problem is not cyclists or motorists, but people! An inconsiderate person will remain that way, regardless of their chosen form of transport.
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