Unfortunately, this deal is no longer valid
Third-party liability insurance for cyclists @ Laka Club
309° Expired

Third-party liability insurance for cyclists @ Laka Club

FREE£10
34
Posted 6th Oct

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

The liability insurance covers £2m, is valid for 12 months and has £100 excess. They made their name with a pretty good bicycle insurance and that's their "free" offering for cyclists. On Google reviews they get lots of 5-star ratings.

The Laka Club was on here before with their free liability insurance for cyclists but it seems like the free liability is expiring at Sunday, midnight. Any other offers (like British Cycling) sets you back £30+!

Note: It's free if you signup to their newsletter. I have received 2-3 newsletter in the last 6 months.
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chimp14uk06/10/2019 07:21

Should be compulsory imo


If bicycles were as lethal as cars it would be
Should be compulsory imo
dadazza06/10/2019 08:47

So should not being able to use your mobile whilst driving.....


It is, their is a law in place
Edited by: "Broc_Mudflap" 6th Oct
mazabits06/10/2019 10:12

Problem is that, like car drivers there are some really cyclists …Problem is that, like car drivers there are some really cyclists which make the roads unsafe. Most roads can't fit 2 cars let alone a place for a bicycle in the equation. Up my ends there are cycle lanes on the pavement but some cyclists go on the road instead. The lanes left for walkers is far too small and can't even fit a pram or someone carrying shopping in both hands. The road has become a single file system which means if you are behind a bus you'd have to be very lucky to be able to overtake it as the other lane is full anyway. Also emergency services get stuck in this single lane traffic and cannot overtake or do nothing. What I'm saying is the roads in London are . The people or graduates that come out with these stupid ideas are full of . In summary there will more accidents and more fatalities until someone with a brain can get this right starting off by making public transport punctual and safe. Then most car users will substitute their travel methods. Surface transport then needs a complete overhaul where all road users can get along and those who don't play by rules get punished. This only works if the infrastructure is worked on.


There is no legal requirement for cyclists to use a cycle lane, and often it's safer for cyclists to avoid them.
34 Comments
Should be compulsory imo
chimp14uk06/10/2019 07:21

Should be compulsory imo


If bicycles were as lethal as cars it would be
chimp14uk06/10/2019 07:21

Should be compulsory imo


So should not being able to use your mobile whilst driving.....
dadazza06/10/2019 08:47

So should not being able to use your mobile whilst driving.....


It is, their is a law in place
Edited by: "Broc_Mudflap" 6th Oct
dadazza06/10/2019 08:47

So should not being able to use your mobile whilst driving.....


I agree.
I don't even think hands free is very safe tbh
Apparently Laka got voted best bicycle insurer too: twitter.com/Lak…912
Thanks op
Problem is that, like car drivers there are some really cyclists which make the roads unsafe. Most roads can't fit 2 cars let alone a place for a bicycle in the equation. Up my ends there are cycle lanes on the pavement but some cyclists go on the road instead. The lanes left for walkers is far too small and can't even fit a pram or someone carrying shopping in both hands. The road has become a single file system which means if you are behind a bus you'd have to be very lucky to be able to overtake it as the other lane is full anyway. Also emergency services get stuck in this single lane traffic and cannot overtake or do nothing. What I'm saying is the roads in London are . The people or graduates that come out with these stupid ideas are full of . In summary there will more accidents and more fatalities until someone with a brain can get this right starting off by making public transport punctual and safe. Then most car users will substitute their travel methods. Surface transport then needs a complete overhaul where all road users can get along and those who don't play by rules get punished. This only works if the infrastructure is worked on.
Edited by: "mazabits" 6th Oct
will not let me sign up just comes up with a pic of a woman cyclist
Just took this out! Every cyclist should Cover them self with this great thanks !!!!!!!
Thanks good cover.
mazabits06/10/2019 10:12

Problem is that, like car drivers there are some really cyclists …Problem is that, like car drivers there are some really cyclists which make the roads unsafe. Most roads can't fit 2 cars let alone a place for a bicycle in the equation. Up my ends there are cycle lanes on the pavement but some cyclists go on the road instead. The lanes left for walkers is far too small and can't even fit a pram or someone carrying shopping in both hands. The road has become a single file system which means if you are behind a bus you'd have to be very lucky to be able to overtake it as the other lane is full anyway. Also emergency services get stuck in this single lane traffic and cannot overtake or do nothing. What I'm saying is the roads in London are . The people or graduates that come out with these stupid ideas are full of . In summary there will more accidents and more fatalities until someone with a brain can get this right starting off by making public transport punctual and safe. Then most car users will substitute their travel methods. Surface transport then needs a complete overhaul where all road users can get along and those who don't play by rules get punished. This only works if the infrastructure is worked on.


Cool story bro, but people also live outside London, apparently!
chimp14uk06/10/2019 08:53

I agree.I don't even think hands free is very safe tbh



I also agree about Hands Free.
But isn't HF as bad as talking to other passengers in the vehicle?
I think it is, probably worse in fact. But no one is going to try and ban that.
mazabits06/10/2019 10:12

Problem is that, like car drivers there are some really cyclists …Problem is that, like car drivers there are some really cyclists which make the roads unsafe. Most roads can't fit 2 cars let alone a place for a bicycle in the equation. Up my ends there are cycle lanes on the pavement but some cyclists go on the road instead. The lanes left for walkers is far too small and can't even fit a pram or someone carrying shopping in both hands. The road has become a single file system which means if you are behind a bus you'd have to be very lucky to be able to overtake it as the other lane is full anyway. Also emergency services get stuck in this single lane traffic and cannot overtake or do nothing. What I'm saying is the roads in London are . The people or graduates that come out with these stupid ideas are full of . In summary there will more accidents and more fatalities until someone with a brain can get this right starting off by making public transport punctual and safe. Then most car users will substitute their travel methods. Surface transport then needs a complete overhaul where all road users can get along and those who don't play by rules get punished. This only works if the infrastructure is worked on.


There is no legal requirement for cyclists to use a cycle lane, and often it's safer for cyclists to avoid them.
dadazza06/10/2019 10:48

Cool story bro, but people also live outside London, apparently!


Was it a cool story.. I looked at how much had been written and decided not to bother reading it ..
Rhythmeister06/10/2019 08:26

If bicycles were as lethal as cars it would be

It's not just about being lethal. If a bike is on a road that I'm also driving on and rakes the side of my car with the handlebars then why should I have to pay for repairs?
dadazza06/10/2019 10:48

Cool story bro, but people also live outside London, apparently!

People also live outside south central LA, bro
mazabits06/10/2019 10:12

The lanes left for walkers is far too small and can't even fit a pram or …The lanes left for walkers is far too small and can't even fit a pram or someone carrying shopping in both hands.


Surely that's 100% the council's fault though?
There should a minimum width by law - probably 2m min with an aim for 3m or more.
Even where they have the space, councils seldom make wide pavements. And by having the space I mean between the
buildings. This may mean having to remove on-street car parking, re-aligning the street so both sides have an equal pavement, making certain street one-way, etc.

Basically get council planners to consider pedestrians and not just motorists, and they should be forced to prioritise when designing roads:
1st pedestrians
2nd cyclists
3rd public transport
4th delivery vehicles
Last private motorists.
dribspak06/10/2019 12:43

It's not just about being lethal. If a bike is on a road that I'm also …It's not just about being lethal. If a bike is on a road that I'm also driving on and rakes the side of my car with the handlebars then why should I have to pay for repairs?


You shouldn't, insurance will help in that situation also
dribspak06/10/2019 12:43

It's not just about being lethal. If a bike is on a road that I'm also …It's not just about being lethal. If a bike is on a road that I'm also driving on and rakes the side of my car with the handlebars then why should I have to pay for repairs?



you dont you do a civil case against them to claim back the costs.
dribspak06/10/2019 12:43

It's not just about being lethal. If a bike is on a road that I'm also …It's not just about being lethal. If a bike is on a road that I'm also driving on and rakes the side of my car with the handlebars then why should I have to pay for repairs?


And prams, wheelchairs many a time Ive seen them try squeeze past a car parked on pavement and accidentally scrape cars precious bodywork
dribspak06/10/2019 12:43

It's not just about being lethal. If a bike is on a road that I'm also …It's not just about being lethal. If a bike is on a road that I'm also driving on and rakes the side of my car with the handlebars then why should I have to pay for repairs?


I agree that's not really fair... although there are loads of ways a car can get damaged on the road that aren't really the driver's fault. That's what fully comp insurance is for. Someone could equally scratch your car with their wheelchair or pushchair in the car park. I don't think we want to live in a world where every single thing we own or use needs insurance, a licence, etc.

mazabits06/10/2019 10:12

Problem is that, like car drivers there are some really cyclists …Problem is that, like car drivers there are some really cyclists which make the roads unsafe. Most roads can't fit 2 cars let alone a place for a bicycle in the equation...


Part of the problem is that very few motorists seem willing to wait behind a cyclist for any amount of time whatsoever. Cyclists shouldn't need to struggle along in the gutter avoiding all the drains and parked cars... they should be able to ride in the middle of the road and cars should pass them widely and safely when there's a gap in traffic coming the other way, like you would a tractor or some such. If car drivers could be patient enough to wait behind a bike until there's a safe opportunity to pass, or hold back from overtaking the bike when approaching a junction and let the bike go first, then there wouldn't be such a need for cars and bikes to try to squeeze past eachother.
i joined recently when this was last posted. very difficult to sign up as it keeps asking you to join a paid service but i eventually got there.
drivel06/10/2019 11:16

There is no legal requirement for cyclists to use a cycle lane, and often …There is no legal requirement for cyclists to use a cycle lane, and often it's safer for cyclists to avoid them.


Not safer for pedestrians when cyclists choose to use the pavement instead. If cyclists can use the pavement then pedestrains can use cricket bats
cjm15027306/10/2019 16:21

Not safer for pedestrians when cyclists choose to use the pavement …Not safer for pedestrians when cyclists choose to use the pavement instead. If cyclists can use the pavement then pedestrains can use cricket bats


You misunderstand me - There is no legal requirement for cyclists to use a cycle lane rather than the road.
drivel06/10/2019 11:16

There is no legal requirement for cyclists to use a cycle lane, and often …There is no legal requirement for cyclists to use a cycle lane, and often it's safer for cyclists to avoid them.


Most motorists I encounter have never tried to ride in a potentially dangerous, litter and debris strewn, cycle lane. If people giving off about cyclists not using provided lanes gave it a go some time on 23mm of rubber they'd get to enjoy the punctures too
dribspak06/10/2019 12:43

It's not just about being lethal. If a bike is on a road that I'm also …It's not just about being lethal. If a bike is on a road that I'm also driving on and rakes the side of my car with the handlebars then why should I have to pay for repairs?


The point there is policing it and proving it.
It's the same as someone opening their door into your car. Big dent and sod all you can do about it.
If a bike scratches your car there is virtually no chance of proving beyond doubt that it was their fault. So straight away you are knock for knock and your insurance is paying anyway. Hundred quid to blow in a scratch, 200 excess so you have paid anyway and hello increased premium, goodbye no claims.
Not worth the hassle.
fireman106/10/2019 20:47

The point there is policing it and proving it.It's the same as someone …The point there is policing it and proving it.It's the same as someone opening their door into your car. Big dent and sod all you can do about it.If a bike scratches your car there is virtually no chance of proving beyond doubt that it was their fault. So straight away you are knock for knock and your insurance is paying anyway. Hundred quid to blow in a scratch, 200 excess so you have paid anyway and hello increased premium, goodbye no claims.Not worth the hassle.


Dashcam footage is pretty good evidence though.
Monkeyface06/10/2019 13:16

I agree that's not really fair... although there are loads of ways a car …I agree that's not really fair... although there are loads of ways a car can get damaged on the road that aren't really the driver's fault. That's what fully comp insurance is for. Someone could equally scratch your car with their wheelchair or pushchair in the car park. I don't think we want to live in a world where every single thing we own or use needs insurance, a licence, etc.Part of the problem is that very few motorists seem willing to wait behind a cyclist for any amount of time whatsoever. Cyclists shouldn't need to struggle along in the gutter avoiding all the drains and parked cars... they should be able to ride in the middle of the road and cars should pass them widely and safely when there's a gap in traffic coming the other way, like you would a tractor or some such. If car drivers could be patient enough to wait behind a bike until there's a safe opportunity to pass, or hold back from overtaking the bike when approaching a junction and let the bike go first, then there wouldn't be such a need for cars and bikes to try to squeeze past eachother.

Edited by: "Broc_Mudflap" 6th Oct
Has there ever been any article or story or internet page about anything remotely cycling related that doesn't get turned into a completely unrelated debate? This is a part of the British psyche that's completely irrational. It's like it's 1885 and the rapscallions in Latimer House have just procured a dastardly velocipede and it's scaring the bejesus out of the studs in my stable.
liuruiorp06/10/2019 23:23

Has there ever been any article or story or internet page about anything …Has there ever been any article or story or internet page about anything remotely cycling related that doesn't get turned into a completely unrelated debate? This is a part of the British psyche that's completely irrational. It's like it's 1885 and the rapscallions in Latimer House have just procured a dastardly velocipede and it's scaring the bejesus out of the studs in my stable.


tHeY sHoUlD PaY rOaD tAx!!!
Broc_Mudflap06/10/2019 21:08

Dashcam footage is pretty good evidence though.


Could do

But then thats assuming the cyclist stopped or you know their identitiy so the police can take action.

Also if you were both moving it might prove you were closer than the legal 1.5m from the cyclist (at least here in Scotland) and nullify your claim.

Moot point if you were stopped waiting at lights.
Edited by: "EMM386" 7th Oct
EMM38607/10/2019 06:21

Could doBut then thats assuming the cyclist stopped or you know their …Could doBut then thats assuming the cyclist stopped or you know their identitiy so the police can take action.Also if you were both moving it might prove you were closer than the legal 1.5m from the cyclist (at least here in Scotland) and nullify your claim.Moot point if you were stopped waiting at lights.


Exactly, it's a flipping minefield really. Dashcam is a worthy backup though.
herrbz06/10/2019 23:35

tHeY sHoUlD PaY rOaD tAx!!!


Road Tax was abolished in 1937 and replaced by Vehicle Excise Duty which is a tax on cars and not roads.

I have a car and don't pay ROAD TAX, but pay VEHICLE EXCISE DUTY (V11 form)
lurker201507/10/2019 08:09

Road Tax was abolished in 1937 and replaced by Vehicle Excise Duty which …Road Tax was abolished in 1937 and replaced by Vehicle Excise Duty which is a tax on cars and not roads.I have a car and don't pay ROAD TAX, but pay VEHICLE EXCISE DUTY (V11 form)


Judging by the oddly placed capital letters I think herrbz was being satirical.
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