Are Electric Bikes Included in Cycle to Work Scheme?

If you’ve ever wondered “are electric bikes included in the Cycle to Work scheme?”, the answer is yes! Most UK employers and scheme providers allow electric bikes (e-bikes) to be purchased through the program, giving you an affordable and eco-friendly way to upgrade your commute.

Through the scheme, you can spread payments via salary sacrifice, reduce tax and National Insurance contributions, and enjoy a healthier, more sustainable ride. This guide covers everything you need to know, including how the scheme works, potential savings, benefits, and popular isinwheel e-bike models.

What is the Cycle to Work Scheme?

The Cycle to Work scheme is a UK government-backed initiative designed to encourage employees to cycle to work. It allows participants to acquire new bikes, electric bikes, and accessories at a reduced cost by spreading payments over several months through salary sacrifice.

The scheme has helped thousands of UK workers make their daily commute eco-friendly and cost-effective. Employees can access high-quality bikes, including isinwheel models, while enjoying significant financial benefits.

Are Electric Bikes Included in Cycle to Work Scheme?

Yes! Electric bikes are fully included in most Cycle to Work schemes, offering pedal-assist technology to make commuting easier and long-range batteries that support daily travel without frequent recharging. E-bikes provide comfortable rides suitable for city streets or suburban routes.

isinwheel e-bikes are fully eligible in most UK programs. Popular options include folding e-bikes, ideal for city commuters with limited storage or for carrying on public transport, and long-range commuter e-bikes, perfect for longer daily travel while maintaining comfort and reliability. Choosing an isinwheel e-bike ensures you receive high-quality performance, durable batteries, and a smooth ride every day.

Benefits of Getting an Electric Bike Through Cycle to Work

Affordable Monthly Payments

The Cycle to Work Scheme allows you to spread the cost of an e-bike over 12–18 months through salary sacrifice. Payments are deducted from your gross salary, reducing tax and National Insurance contributions, which makes high-quality electric bikes, like isinwheel models, much more affordable.

Significant Tax Savings

Employees can save a substantial portion of the bike’s cost depending on their tax band. Basic-rate taxpayers (20%) typically save around 28%, higher-rate taxpayers (40%) approximately 42%, and additional-rate taxpayers (45%) may save up to 47%. These savings make upgrading to an isinwheel e-bike highly cost-effective.

Health and Fitness Benefits

Cycling regularly improves cardiovascular health, increases stamina, and enhances overall fitness. E-bikes provide pedal-assist technology, allowing riders to cover longer distances or tackle hills with minimal strain, giving commuters a gentle yet effective workout.

Environmental Benefits

Replacing short car journeys with an e-bike reduces your carbon footprint and supports a greener, more sustainable lifestyle. Choosing an e-bike through the scheme contributes to cleaner transport options and promotes eco-friendly commuting.

Stress-Free Commute

Electric bikes allow you to avoid crowded public transport and traffic congestion, providing a faster, more flexible, and stress-free commute. Riders can enjoy the freedom to plan their schedule without relying on buses or trains.

Wide Range of Electric Bike Options

The Cycle to Work scheme offers a variety of e-bike models suitable for different commuting needs. isinwheel e-bikes provide reliable performance, long-lasting batteries, and comfortable designs. Whether you need a folding e-bike for city commuting or a long-range commuter model for longer daily travel, there’s an option to suit your lifestyle.

Popular isinwheel Electric Bike Models

Images
Models	U1	U2	U3	M10	U4	UCity
Top Speed	20 MPH	20 MPH	18.6 MPH	21.7 MPH	19 MPH	20 MPH
Peak Power	500W	500W	500W	500W	500W	750W
Battery	36V 7.8Ah	36V 13Ah	36V 7.8Ah	36V 10.4Ah	36V 10.4Ah	36V 10.4Ah
Max Range	28 miles	65 miles	35 miles	60 miles	55 miles	55 miles
Speed (before unlock)	10/15/25 km/h	6/10/15/20/25 km/h	10/15/25 km/h	6/10/15/20/25 km/h	6/10/15/25 km/h	6/10/15/20/25 km/h
Speed (after unlock)	15/25/32 km/h	10/15/20/25/32 km/h	15/25/30 km/h	6/10/15/20/35 km/h	15/25/30 km/h	10/15/20/25/32 km/h
Max Load	120 kg	120 kg	120 kg	150 kg	120 kg	120 kg
Net Weight	23.2 kg	27 kg	23.3 kg	27kg	26.5 kg	28.4 kg
Suspension	Rear mid shock absorber	Front suspension	Adjustable front fork + comfort saddle	Hydraulic fork	Dual suspension	Aluminum front fork
Max Climb	20%	37%	25%	20%	20%	20%
Tire Size	14×1.95"	26×1.95"	16×1.75"	26×1.95"	16×2.15"	26×1.95"
Tire Type	Pneumatic	Pneumatic	Pneumatic	Pneumatic	Pneumatic	Pneumatic
IP Rating	IPX4	IP65	IPX65	IPX5	IPX4	IPX4
Removable Battery	No	Yes	No	Yes	Yes	Yes
Rider Height	150–185 cm	160–192 cm	155–185 cm	160–190 cm	140–180 cm	150–192 cm

All isinwheel e-bikes feature pneumatic tires, reliable suspension, and durable batteries to ensure smooth, comfortable rides for both short and long commutes.

How the Scheme Works for Electric Bikes

Check Employer Participation

The first step is to confirm whether your employer is signed up for the Cycle to Work scheme. Most companies provide an employer code or instructions on how to apply through your benefits portal. 

Choose Your E-Bike and Accessories

After confirming eligibility, select your preferred electric bike and any accessories you may need. Be sure to note the total value of your selections before submitting your application. 

Submit Your Application

Applications can be submitted online or through your employer using the provided employer code. Once your application is approved, you will receive a Letter of Collection that allows you to purchase your e-bike from participating retailers.

Set Up Salary Sacrifice Payments

After purchase, you can spread the cost of your e-bike over 12–18 months via salary sacrifice. Payments are deducted from your gross salary, reducing your tax and National Insurance contributions. This makes owning an e-bike, like an isinwheel model, affordable and budget-friendly.

Ownership at the End of the Hire Period

At the end of the hire period, you can either enter a zero-cost extended hire or automatically become the legal owner of your electric bike once HMRC deems the residual value negligible. This provides a flexible, cost-effective way to enjoy your e-bike long-term.

Following these steps ensures a tax-efficient, convenient, and affordable method to own an electric bike, making your commute healthier, greener, and more enjoyable.

Can I Save Money on an Electric Bike with a Cycle to Work Scheme?

Yes! The Cycle to Work Scheme allows significant savings when purchasing an e-bike. Depending on your tax band, basic-rate taxpayers can save around 28%, higher-rate taxpayers around 42%, and additional-rate taxpayers up to 47%. Most participants save between 25% and 47% on the total cost of their e-bike and accessories.

Additionally, seasonal promotions such as Black Friday and Christmas deals can make the purchase even more affordable. By joining the scheme, you can spread the cost over 12–18 months while reducing tax and National Insurance contributions, making your e-bike a practical, eco-friendly commuting solution.

Conclusion

If you’re wondering whether electric bikes are included in the Cycle to Work scheme, the answer is yes. The program allows you to obtain high-quality isinwheel e-bikes while enjoying tax and National Insurance savings, affordable monthly payments, and a healthier, more sustainable commute. Check if your employer participates in the scheme today and take the first step toward cost-effective, eco-friendly commuting.

FAQs

What bikes can I get on the Cycle to Work Scheme?

Through the Cycle to Work Scheme, you can get electric mountain bikes, folding bikes, and standard commuter bikes. Accessories such as helmets, locks, and lights are also included. Popular brands, including isinwheel e-bikes, are supported in most UK schemes, making it simple to upgrade your daily commute.

How can I get an electric bike for free?

While you cannot get an electric bike completely free, the Cycle to Work Scheme makes it highly affordable. By using salary sacrifice and taking advantage of tax and National Insurance savings, you can get discounted bikes, often saving up to 47% on the total cost.

What is the government free bike scheme?

The UK government encourages cycling through initiatives like the Cycle to Work Scheme, council programs, and charity initiatives. Among these, the Cycle to Work Scheme is the main option for commuters to access discounted or nearly free electric bikes, including isinwheel models, making sustainable commuting accessible for everyone.

How much can you save on the Cycle to Work Scheme?

The amount you save depends on your tax band. Basic-rate taxpayers typically save around 25% to 32% on the cost of the bike and accessories, while higher-rate taxpayers can save between 42% and 47%.