Bike leasing is a simple, economical and eco-friendly solution, particularly advantageous for teachers. With this scheme, you can use your gross year-end bonus to rent an electric bike, a speed pedelec or even a cargo bike, without having to pay a large sum all at once. Insurance, maintenance and breakdown assistance are often included for total peace of mind.
Let’s look in detail at how it works and why it’s an opportunity not to be missed.
What is bike leasing for teachers?
Bike leasing involves using a quality bike through a rental contract offered by your school, in partnership with a leasing company. Your gross year-end bonus is used to finance your bike. As this bonus is used before taxes and social contributions, it significantly reduces the final cost.
In addition, elements such as insurance, maintenance and breakdown assistance are often included in the contract, which gives you a perfectly controlled budget with no unpleasant surprises.
How much can I save?
With bike leasing, you can save up to 40 % compared to a direct purchase. Here’s why:
- Use of gross salary : Your gross year-end bonus is used before taxes, which significantly reduces the amount of your taxes and social contributions.
- Included costs : Insurance, maintenance, and even some accessories can be added to your leasing contract.
- Bike allowance : In Belgium, starting from 2024, the bike mileage allowance is set at €0.35 per kilometre travelled, with an annual cap of €2,500. A great way to earn even more while pedalling!
What types of bikes can I rent?
The range of available bikes depends on the offer provided by the leasing company your school collaborates with. In general, you can choose from the following types of bikes:
🚲 City bikes – Practical and comfortable for daily commutes.
🚴♂️ Electric bikes – Perfect for longer or hilly journeys.
⚡ Speed pedelecs – For speed enthusiasts, with assistance up to 45 km/h.
📦 Cargo bikes – Ideal for transporting children or equipment.
🚵♂️ Racing / gravel bikes – For passionate cyclists.
🧳 Folding bikes – Easy to transport and store.
Can I add accessories to my leasing contract?
Yes! In addition to the bike, you can include essential accessories such as:
- Safety helmets
- Panniers for your personal belongings
- ART2 approved locks
- Child seats
- Additional lights
⚠️ Attention : Cycling clothing and equipment not related to safety are generally not included in leasing contracts.
How does the payment work?
Your gross year-end bonus is used to pay the monthly rent for the bike. This amount is automatically deducted from your gross salary, with no additional fees. This makes leasing particularly tax advantageous and allows you to reduce your taxes and social contributions.
What happens if my bike is stolen or damaged?
The insurance against theft and damage is always included in a leasing contract. In case of a problem:
- Report the incident to your leasing company.
- Limited excess : Depending on the contract, you may have to pay a small excess.
💡 Important: Your bike must be attached with an ART2 lock to a fixed object, in addition to the rear wheel lock. This ensures the validity of your coverage in case of theft.
Can I use my bike for private purposes?
Absolutely! Your leased bike can be used for your leisure, shopping and holidays. Commuting is not the only permitted use.
⚠️ Some contracts require you to cycle to work a certain number of times per year (often 25 times minimum). Check this with your management.
What happens at the end of the contract?
At the end of your leasing contract (generally after 3 years), you have three options:
- Take back the bike : You can buy the bike for a residual value of about 16 % of its initial value.
- Rent a new bike : Upgrade to a newer model or one better suited to your needs.
- Terminate the contract : With no further obligation.
And what if I change schools or retire?
- Change of school : If your new employer works with the same leasing company, the transfer is often possible. Be sure to check the conditions with your management and the leasing partner.
- Retirement : You can generally buy your bike back at the residual value at the end of the contract.
How can I calculate the cost of my Leasing?
The leasing simulators offered by partner companies allow you to easily calculate the total cost. Here are some tips:
- Price including VAT : Make sure to take into account the price including VAT of the bike and accessories.
- Maintenance budget : Plan an annual budget for repairs and maintenance, especially for electric bikes or speed pedelecs.
- Safety accessories : Don't forget helmets, locks, and panniers.
Teacher bike leasing: take action with Komut Bikes!
As a teacher, the bike leasing is a unique opportunity to ride better, spend less, and adopt sustainable mobility. Contact Komut Bikes today to discover our models and get personalised advice tailored to your needs! 🚲