Question for anyone that has done the (C2W) cycle to work thing.
My firm is running it again this year and I am wondering if its a decent way to get a cross bike. I fancy one to maybe try some cyclocross racing on and to use as a winter bike. I am a higher rate tax payer.
Also any recommendations for a bike would be welcome.
I've done it a few times and I'd recommend it. The savings are modest but the easy spreading of payments is the main advantage. There's a lot of people that get stressed out about not officially "owning" the bike immediately (or, in fact, for ages after you finish paying for it) but I've never had any issues arise from this, despite having had one bike stolen and having sold two others after I've out-grown them.
There are a couple of things to look out for with regards to where you purchase from:
1) Not all shops will support your particular scheme. You'll need to double-check this.
2) Some shops (and sadly more often the ones that are mostly online-based) will charge you a small admin fee when buying a bike on the scheme. This can vary from something like 7-12%, with 10% being the most common.
3) Some (these days most) shops will let you top-up the voucher in order to get something better. As you're a more experienced rider I think you're going to want to do this to get the kind of components you want. Then again, you might not be limited to a £1000 voucher as I am.
If I remember correctly, Evans and a few other places stock the Norco CX range which have some very nice models for not much more than the £1000 C2W scheme.
Unfortunately, my favourite pre-built CX bike, the Canyon Inflite AL 9.0 isn't available on the C2W scheme :/
If you fancy doing things a bit differently, I recently built up a very nice CX bike with full Ultegra, Shimano hydraulic discs and a Chinese carbon frame for £1500 (plus pedals). I spread the cost across two months so it wasn't too painful.