Is cycling your New Year resolution? Don’t forget insurance!

Cyclescheme, 30.11.2016

Is cycling your New Year resolution? Don’t forget insurance!

What better way to kick start the year than by getting out on your bike and working off the Christmas indulgences many of us will have enjoyed?  

We all know that the most popular New Year’s resolutions are to get fit, lose weight or save money. As a Cyclescheme member you probably already know these goals can be achieved through your cycling commute. But if the number of days you ride to work has slowly decreased over the last few weeks, due to bad weather or just the hectic Christmas build up, why not set yourself a cycling New Year resolution? 

Your cycling resolution could be as simple as commuting an extra day a week, but it all helps towards keeping you fit and healthy. Or why not try a new route to work, even if it takes a little longer, it may help with the motivation to get out there.

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We know January weather doesn’t help with the motivation to get out on your bike and this can be a major factor in derailing your resolution. But don’t let a little wind and rain stop you from achieving your goal. One way to combat the dread of cycling in winter weather is to make sure you’re protected against it. So invest in good base layers and waterproof clothes to keep you warm and dry.

Investing in quality kit can be expensive, so it makes sense you have it protected. Cycleguard are Cyclescheme’s preferred insurance partner and can provide you with specialist cycle insurance cover. With a Cycleguard policy you can choose to protect your cycling accessories against theft and accidental damage up to £500. Providing cover for those winter essentials such as compression clothing, base layers, gloves and jackets.

If you’re planning to take on a cycle resolution, take a note of these handy tips to help you and your bike stay safe:

1.     Make sure you’ve got the right kit

Commuting in the winter can bring a number of new cycling hazards, so making sure you’re prepared and have the right kit is essential. Wearing reflective clothing, having tyres with decent grip and a good set of bike lights is a must.

2.     Give yourself extra time

If you haven’t been out cycling in winter conditions yet, give yourself a little more time to get to work and lock up your bike. Rushing in slippery or icy conditions is not a good combination.

3.     Lock up your bike

It’s important when you get to work to make sure to securely lock your bike (through the frame) to an immovable object. If you don’t have insurance and your bike is stolen before it has been paid for, you will be responsible for replacing it. If you are unable to replace your bike, this will constitute the end of your hire agreement with Cyclescheme and any outstanding salary sacrifice repayments will be taken from your net pay.

4.     Specialist insurance

We know that no matter how many precautions you put in place to help you and your bike stay safe, accidents do happen. Cyclescheme recommends that you insure your bike and accessories as soon as you collect them. By having insurance means you can maintain your savings by avoiding hefty replacement costs, in the event of damage or theft, and continue to enjoy the full tax exemption for the rest of your hire period.  

Whether you choose to take up a cycling resolution or not, having insurance as a commuter is important. For more information on cycle specific insurance, visit

Plus don’t forget, as a Cyclescheme member you’re entitled to a 15% discount* on your insurance with Cycleguard, so make sure you’re protected today!

Save 15% on Cycleguard Cover

* We reserve the right to amend the content and offer of our products without notice. The price online will include the 15% discount. The 15% discount applies to New Business only and only applicable to the first year’s premium. Any quote given will be valid for 28 days only.

Cycleguard is a trading style of Thistle Insurance Services Limited. Lloyd’s Broker. Authorised and regulated by the Financial Conduct Authority. A JLT Group company. Registered office: The St Botolph Building, 138 Houndsditch, London EC3A 7AW. Registered in England No 00338645, VAT No. 244 2321 96. Cyclescheme Limited are Appointed Representatives of Thistle Insurance Services Limited.


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