Cycle to Work schemes – burn calories not your cash.

Learn how a cycle to work scheme could save you money and give you a fitness boost at the same time.

Updated

The UK government has been trying to get people on their bikes since the introduction of the Cycle to Work scheme back in 1999.

If you’re thinking about switching up your commute why not save some money in the process by taking advantage of a Cycle to Work scheme.

Which retailers offer a Cycle to Work Scheme?

1. Tredz
Tredz stocks over 500 brands and a range of cycling equipment for customers.

Tredz offer UK cyclists everything from road bikes to the latest fitness technology. They also offer a great range of clothing and accessories including all the protective gear you'll need for a safe ride.

    Go to Tredz website View discount codes for Tredz


    2. Wiggle
    Wiggle has been providing bikes for cyclists since the 1920s.

    Wiggle's core philosophy is that being active outdoors is great and the site stocks everything you need for your cycling experience. They offer road bikes, mountain bikes, urban bikes, electric bikes and more.

      Go to Wiggle website View discount codes for Wiggle


      3. Chain Reaction Cycles
      Chain Reaction Cycles is a one-stop destination for bicycles, spare parts, clothing and accessories.

      A one-stop destination for bicycles, spare parts, clothing and accessories. Chain Reaction Cycles support team ensures you get the right product for you. They offer their customers road bikes, mountain bikes, electric bikes, kids bikes and more.

        Go to Chain Reaction Cycles website View discount codes for Chain Reaction Cycles


        What is a cycle to work scheme?

        In a nutshell, the scheme lets you get up to £1000 worth of bike and safety gear through your employer. You then pay a monthly salary sacrifice (usually over a 12-18 month period). So your employer buys the bike and you effectively buy it off them in monthly salary reductions for the period of the scheme.

        At the end of the scheme you have the option of buying the bike outright at a discounted price, continuing to hire the bike for up to three years, or simply handing the bike and equipment back over.


        How can I join a scheme?

        To join a cycle to work scheme all you need to do is find out if your work is signed up to a scheme, and then find out which retailers you can shop with on that scheme, as there are slight variations between different ones.

        How could a cycle to work scheme save me money?

        You might be surprised at the amount you could save through this scheme.

        Firstly you would be saving on your commute. Driving or taking public transport, especially in somewhere like London, can be silly expensive.

        The salary sacrifice means that the cost is spread out over small monthly installments, and these are taken from your gross salary (before tax) so you’ll be paying less tax.


        What are the health benefits of cycling?

        The health benefits of cycling are remarkable. It linked to improved lung health – studies have found that those who commute by bike are exposed to lowest amount of pollution, compared to drivers, bus users and a pedestrians.

        It is also great for our brains. The increased blood flow means that our brains receive loads more healthy chemicals, and that has been linked with reduced risk of dementia later in life.

        Being active and doing exercise massively improves our mental wellbeing. Cycling releases a nice burst of endorphins and adrenaline which helps us feel happy and more confident. Its also a great stress relief and great way to clear the mind – not to mention it helps us sleep.


        How can I keep myself safe when I cycle to work?

        It is important to make sure that before you set of on your cycle to work, you do everything you can to keep yourself safe on the roads. Check out some of the safety products that are recommended for your safety by our cycling retailers.

        Weighing up the pros and cons

        Benefits

        Should invest arrow

        • New bike. This scheme allows you to get a brand new bike without forking out the cash yourself
        • Save on your commute. Compared to a train or car, a bike through the cycle to work scheme ends up being a much cheaper option.
        • Monthly payments. You avoid paying back your employer in a huge lump some as payments are spread out over monthly salary sacrifices .
        • Tax benefits. These salary sacrifices are taken before tax meaning you save on income and National Insurance over the course of the scheme.
        • Improved health. Cycling is excellent for health and fitness. Benefits include improved cardiovascular and mental health.

        Costs

        Shouldnt invest arrow

        • Distance to work. A cycle to work scheme is great if you have that option. Not all commuters live within cycling distance from their work and so not everyone can benefit from the scheme.
        • Safety. Although the roads are a much safer place for cyclists than they used to be, you still need to factor in the safety risk of the scheme.

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