Terms of service

These terms were last updated on 3 November 2026.

1. About us and these terms

1.1 These terms apply to every order you place with Cotic Limited ("we", "us", "Cotic") through cotic.co.uk, or by email or phone. By placing an order you agree to them, together with our Returns and Refunds Policy, Shipping Policy and Privacy Policy.

1.2 Cotic Limited is registered in England and Wales, company number 03912420, VAT number GB843001081. Registered office: 10 Everard Avenue, Sheffield, S17 4LZ. Trading address: Cotic Bikes, Unit 1B Broom Business Park, Bridge Way, Chesterfield, S41 9QG. Email: info@cotic.co.uk. Phone: 07970 853 531, 9am to 5pm, Monday to Friday.

1.3 We may update these terms. The version on our website when you place your order is the one that applies to that order.

1.4 If you are buying as a consumer, nothing in these terms affects your legal rights.

2. Ordering and when a contract is made

2.1 Our website shows what we can supply: the model, size, colour, build and any extras you choose, and the price. Please check your order carefully before you pay. If you are unsure which size is right, ask us before you order.

2.2 When you place an order we email you to say we have received it. That email is not our acceptance of your order. A contract between us is made when we accept your order. We do that when we take your payment or deposit (or, if you are paying with finance, your deposit and V12's approval) and send you an order confirmation.

2.3 If you pay by bank transfer or through a Cycle to Work scheme, the contract is made when we receive your payment, or your scheme provider's confirmation that it will pay, and we confirm your order to you.

2.4 If we have made a mistake in a price, if we can no longer supply an item, or if a specification has changed, we will contact you before going ahead. You can then accept the corrected price or specification, change your order, or cancel it for a full refund.

3. Prices and payment

3.1 Prices are in pounds sterling. For delivery within the UK they include VAT at 20%. For delivery outside the UK we do not charge UK VAT: see section 9.

3.2 You can pay by Visa, Mastercard, American Express, Apple Pay, Google Pay, Shop Pay, PayPal, bank transfer, a Cycle to Work scheme, or V12 finance on eligible bikes and frames. Which methods you can use depends on what is in your basket and where it is going.

3.3 Card, wallet and PayPal payments are taken when you place your order, except where clause 6.2 applies.

3.4 If you pay by bank transfer, we will give you our bank details and your order number to use as the reference. We treat your order as paid only when the money reaches our account. We will hold your order for 7 days waiting for payment, after which we may cancel it.

3.5 If we show prices in euros, they are converted from pounds sterling. Your card is charged in pounds, and your bank may apply its own exchange rate and fees.

3.6 PayPal and other payment providers apply their own terms to payments made through them.

4. Deposits and V12 finance

4.1 In the UK, finance is available on eligible bikes and frames. It is subject to status, and to V12's lending criteria. Finance is subject to status. Terms and conditions apply.

4.2 Finance is provided by V12 Retail Finance, not by us. We do not lend money ourselves. Your credit agreement is between you and V12, and V12's terms apply to it. Please read them before you sign.

4.3 You pay a deposit of at least 20% of the price to us when you place your order. We will tell you how to pay it when you apply.

4.4 If V12 declines your application, or you do not complete it, we will refund your deposit in full. You can then choose another way to pay, or cancel your order.

4.5 We will dispatch your bike only when your finance agreement is in place and we have received your deposit and the balance from V12.

4.6 The monthly payments and totals we show on our website are examples. The figures in your credit agreement are the ones that apply. Missing payments can affect your credit file and make future credit harder or more expensive to get.

5. Cycle to Work

5.1 In the UK you can buy through the Cycle To Work scheme providing tax relief on your purchase. We accept payment for this scheme via various providers including Cyclescheme, GCI, VIVUP, Cycle Solutions etc, but not Halfords/Tredz. We also accept payment directly from your employer if they are facilitating the scheme themselves. Choose "Cycle to Work scheme" at checkout and tell us which provider you are using.

5.2 We are not a party to your scheme. Your employer and the scheme provider decide whether you are eligible, what the price limits are, and how the scheme is taxed. We cannot give tax or employment advice.

5.3 We dispatch your order once we have the provider's confirmation and payment. If your voucher or certificate does not cover the full price, you pay the difference by another method.

5.4 Please check your voucher's expiry date against the estimated delivery date before you order. We are not responsible if a voucher expires while you are waiting for a bike that is due later.

5.5 If the scheme provider does not pay for any reason, you can pay another way or cancel your order.

6. Built to order, lead times and delivery dates

6.1 Many of our bikes are built to order, or are waiting on frames or parts. Where a size shows a due date, for example "Due January 2027", that is our best estimate of when it will be ready to dispatch. It is not a guaranteed date.

6.2 For a bike with a due date, we take your deposit or payment when you order, or your deposit if you are using finance. We will keep you updated and tell you if the date changes. We will contact you for the payment of the balance when the bike is in assembly at HQ and we have a firm delivery date.

6.3 If we expect to be more than 4 weeks later than the date we gave you, we will tell you. You can then cancel the order and we will refund everything you have paid, including any deposit and delivery charge.

6.4 Where a bike is in stock, we will tell you the expected dispatch date when we confirm your order.

7. A La Carte custom paint

7.1 A La Carte is our custom paint service. You choose a frame colour, a decal colour and a finish (gloss or matte) from our paint list. Colours can look different on screens and in photos, so treat the colour chart as a guide.

7.2 A La Carte bikes and frames are painted to order. The lead time on the product page, currently 8 weeks, is an estimate.

7.3 We will email you to confirm your paint choices before we start. Please check them carefully. We cannot change them once painting has started.

7.4 You can change or cancel an A La Carte order for a full refund at any time before painting starts. Because the paint is made to your specification, your 14-day right to cancel and our Love It Or Your Money Back policy do not apply once painting has started. If you cancel after painting has started, we will keep the A La Carte paint price (the extra charge shown for choosing A La Carte) or 20% of your order value, whichever is less. We keep it because the paint has been done to your order, cannot be undone, and we have paid the painter for it. We will refund everything else you have paid. Your legal rights if the goods are faulty are not affected.

7.5 Where a paint choice is included in the price of a bike, as it is on the Rocket, clauses 7.1 to 7.3 apply in the same way. Clause 7.4 does not apply to the Rocket: you can cancel a Rocket for a full refund even after painting has started.

8. Changing or cancelling an order

8.1 To change or cancel an order before it is dispatched, email us as soon as you can, quoting your order number. If we have not started building or painting it, we will change or cancel it and refund you in full within 14 days.

8.2 If we have already built your bike, or ordered parts specially for it, we will tell you what we can do. You still keep your legal right to cancel after delivery, as described in clause 8.3.

8.3 If you are a consumer, you can cancel an order within 14 days after the day you receive your goods, without giving a reason, under the Consumer Contracts Regulations 2013. Our Returns and Refunds Policy explains how. This right does not apply to goods made to your specification, such as A La Carte paint once painting has started. The Rocket is the exception: see clause 7.5.

8.4 Your rights to cancel because of a price error or a late delivery are in clauses 2.4 and 6.3.

9. Delivery: UK, Europe, VAT and duties, rest of world

9.1 UK. Orders of £100 or more are delivered free to the UK mainland. Orders under £100 are charged a flat £5.

9.2 Europe. We deliver bikes and frames to EU countries, Switzerland and Norway. Delivery is £150 for a bike and £40 for a frame, and the charge is shown at checkout. A bike with upgrades is delivered for the bike charge.

9.3 Small parts and spares. We cannot sell small parts and spares for delivery to the EU, because we are not registered for the EU's import VAT scheme (IOSS). EU customers can buy small parts through our eBay listings.

9.4 VAT, duties and fees outside the UK. We do not charge UK VAT on orders delivered outside the UK. Unless we tell you at checkout that duties and import taxes are included in your delivery charge, orders are sent delivered duty unpaid. Import VAT, customs duties and any carrier handling fees in your country are your responsibility and are payable on delivery, to the carrier or to customs. We cannot tell you in advance what they will be, so please check with your local customs office before you order.

9.5 If you refuse a delivery, or do not pay the charges due on it, we will refund your order less the delivery and return costs we incur, and any charges that arise.

9.6 If you collect your order, or arrange your own shipment, from the UK, UK VAT is charged at the normal rate. We may ask for proof of export for orders delivered outside the UK.

9.7 Rest of the world. We also deliver bikes and frames outside Europe, including to the USA, Canada, Japan, Australia, New Zealand, Singapore, Hong Kong and the UAE. Delivery charges, and whether duties and import taxes are included, are shown at checkout, or we will give you a quote before you pay. Where they are not included, clause 9.4 applies.

9.8 Delivery times. Delivery dates we give are estimates. We will send you tracking details when your order is dispatched. A late delivery does not, on its own, entitle you to cancel, except as set out in clause 6.3 or by law.

9.9 On delivery. Please check everything you receive. If the goods or packaging look damaged, sign for them as "Goods Received Damaged" and email us as soon as you can with your order number. Risk in the goods passes to you when they are delivered.

9.10 Set-up. Complete bikes are built and checked before dispatch, and shipped with the front wheel, handlebars and pedals to fit. Please follow the set-up instructions, or have a qualified mechanic do it, before your first ride.

10. Returns and Love It Or Your Money Back

10.1 Our Returns and Refunds Policy is part of these terms. It explains how to return goods, what condition they must be in, and when you are refunded.

10.2 Our Love It Or Your Money Back policy gives you 30 days from the date on your invoice to return a frame or bike for a full refund, on the conditions set out in that policy. It does not apply to A La Carte paint once painting has started (clause 7.4).

10.3 If you are sending an order back from outside the UK, you arrange and pay for the return, and you are responsible for any customs paperwork. We will refund you once we have received and inspected the goods.

10.4 If goods are faulty or not as described, please contact us. Your legal rights to a repair, replacement or refund are not affected by anything in this section.

11. Retention of title

11.1 Ownership of your order stays with Cotic Limited and does not pass to you until the full price has been paid and received by us. If you are paying through a Cycle to Work scheme or V12 finance, that means the money from the scheme provider or from V12.

12. Warranty and maintenance

12.1 Warranty. For orders placed on or after 1st September 2019, Cotic frames have a warranty that entitles the original owner to a free replacement within 5 years of purchase if there is a problem with the materials or workmanship of the frame. It does not cover abuse, or use of the bike outside its stated parameters (see your user manual). If the frame is modified during the warranty period, the warranty is void. That includes removing the original paint for refurbishment, unless Cotic carries it out. We also run a subsidised crash replacement policy, case by case. Your statutory rights are not affected.

12.2 Minimum seatpost insertion is 100mm into the frame, whatever the seatpost's own minimum says.

12.3 Fork compatibility depends on travel as well as length. Running a fork with longer travel, or a taller axle-to-crown, than is stated for a frame voids the warranty and makes damage or failure much more likely.

12.4 The warranty on Cotic full suspension bikes depends on using only shocks supplied by Cotic, unless we have given express permission for another. Not all our bikes are coil compatible, and fitting a coil shock to a bike designed for an air shock only voids the warranty. Shocks and other components are not covered by the Cotic warranty. The manufacturer's own warranty applies to them.

12.5 Maintenance. Our full suspension bikes are built to withstand British winters in the Peak District, but they are not zero maintenance. Clean and grease the pivot axles at least once a year. Failing to do so over a long period, especially in muddy conditions or after jetwashing (which we don't recommend for any Cotic), can lead to frame damage and failure. As a guide, change bearings at least every 2 years. Heavy use in wet weather and pressure washing shortens bearing life.

12.6 Factory Service and Factory Check. If you book a Factory Service or Factory Check, you pack and send the frame or bike to us at your cost unless we agree otherwise. If extra parts are needed, we will tell you the cost and get your agreement before fitting them. Turnaround times are estimates.

12.7 We are riders, we understand. The above is our stated warranty position, and it has to be black and white, with clear limits to the cover. But you have supported Cotic by buying a bike from us, and we want to support you. We know mountain biking and gravel riding are wild and random offroad pursuits. We always assess warranty and crash replacement case by case, and more than anything we want to help.

13. Liability, your legal rights, governing law and contact

13.1 Nothing in these terms limits our liability for death or personal injury caused by our negligence, for fraud, or for anything else the law does not allow us to limit. If you are a consumer, your legal rights are not affected.

13.2 If you are buying for your business, we are not liable for loss of profit, loss of business or other indirect loss, and our total liability for any order is limited to the price you paid for it.

13.3 We are not responsible for a delay or failure caused by something outside our reasonable control, such as a supplier failing to deliver or a courier problem. We will tell you if this happens, and clause 6.3 applies if the delay is long.

13.4 Cycling carries risk. Please use your bike as the user manual describes, and wear a helmet.

13.5 We handle your personal information as set out in our Privacy Policy.

13.6 These terms are governed by the law of England and Wales. If you live in Scotland or Northern Ireland, you can also bring a claim in your local courts.

13.7 If something goes wrong, please contact us first at info@cotic.co.uk or on 07970 853 531. We will try to put it right.