Cyclescheme is the UK's most popular cycle to work benefit, creating more cyclists than any other provider.

With your Cyclescheme eCertificate you can purchase clothing and accessories as well as a new bike.

Bikmo, our official cycle insurance provider, has outlined some essential gear you may need when it comes to commuting, and why it’s important to look after it. 

You may be surprised to find out that you might actually be wearing or carrying more value in clothing, kit and accessories than your actual bike.... 

If you’re already an avid commuter, you won’t be surprised at the clothing and accessories costs below, but if you’re new to commuting, it might come as a surprise to see that even just some essentials can come to nearly £500, and that doesn’t even include your bike! 

Commuter Kit  




Waterproof pants - Female / Male 


Jacket - Female / Male 


Shoes - Female / Male 









Sold Secure Gold rated lock 




Pannier bag 


Mudguards - Road / MTB 

£37.25 / £15.99 

Phone holder 








Bottle cage 




 The Numbers 

  • Items of kit & accessories: 15 
  • Total value on person : £420.16  
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Bikmo cycle insurance 

It’s clear that cycling can become quite an investment, and it’s natural that you’d be pretty put out if you bought all the kit, only to ruin it in an accident or have it stolen. It’s no surprise that 45% of Bikmo’s claims* include clothing and accessories.  

Make sure that you’re protected should the worst happen - especially if your bike, clothing and accessories come to £1,000+.  

A Bikmo cycle insurance policy covers you against theft and accidental damage, for both your bike(s) and your kit as standard. 

Exclusive savings 

Bikmo’s award-winning cycle insurance is designed with commuters in mind. The policy covers theft, accidental damage, vandalism, clothing, helmets and accessories, plus much more.   

When getting a new bike via Cyclescheme, you’ll be able to activate 14 days free insurance with Bikmo, to get you riding worry free.  

And then, as a Cyclescheme customer, you’ll benefit from exclusive savings when you upgrade or take out a full cycle insurance policy with Bikmo.   


*Data from Bikmo’s Open Project – Claims data