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@Aroogah
staggerlee - FAQs handle both those issues ... http://www.cyclescheme.co.uk/employer,faqs.htm
As they leave the onus on the employee to insure it then if it gets lost/stolen/damaged then it's your own problem. You have to keep paying for it.
If you leave the company before the end of the repayment terms then you have to pay the money back.