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Tyre & Alloy Wheel Insurance

Cover for your Tyre and Alloy Wheels should damage happen while out and about.

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What is Tyre and Alloy Wheel Insurance?

Do I need Tyre and Alloy Wheel Insurance?

What is Tyre and Alloy Wheel Insurance?

This insurance provides cover for your Tyre and Alloy Wheels should damage happen while out and about.

The damage caused by scraping your alloys against a kerb or scuffs caused by road debris damage can be frustrating, and damage to your tyres could be dangerous.

This policy covers the cost of a repair to a tyre and/or alloy wheel (where possible) or a replacement in the event of accidental or malicious damage. It also covers up to 5 tyre and 5 alloy wheel replacements during the policy term.

We have the option of 1, 2 or 3 year policies depending on what you decide. You can buy this as a standalone policy for a one off price or alongside our GAP insurance policies. The bonus of also buying Tyre and Alloy Wheel Insurance alongside a GAP policy; is that you can pay monthly.

Do I need Tyre and Alloy Wheel Insurance?

Tyres and Alloy Wheels can be expensive to repair or replace; especially if you opt for an upgraded version of the base model.

Should you have any damage to these upgrades, you could be forced to fork out a lot of money to get those repairs made.

Tyre and Alloy Wheel Insurance takes that financial pain out of the equation and gives you peace of mind that a quality job will be done and covered under the insurance.

This insurance can be bought as a stand-alone product without buying another product from us, or it is a good accompaniment to your GAP insurance policy with us. If this sounds like something you would benefit from, why not get a quote from us.

Am I eligible for Tyre and Alloy Wheel insurance?

Your vehicle must be a maximum of 7 years old at the start date of this policy

Your vehicle must have completed less than 100,000 miles at the start date of this policy

You must supply us with photographs of all four wheels and tyres prior to this policy being accepted, this is to confirm the Alloy Wheels and Tyres are not damaged

What is covered?

Policy Documents

View Policy Wording and IPID for Type and Alloy Wheel Insurance

What is a SMART Repair?

SMART is an acronym for “small to medium area repair technique”

A SMART repair of an Alloy Wheel involves the in-situ refurbishment and re-painting of the damaged wheel by our approved repairer (There must be an off-road area like a driveway for the technician to complete the work safely)

SMART repairs minor cosmetic damage and defects – If a cosmetic repair is not possible we will give you £150 towards a replacement Alloy Wheel. Result!

It is worth noting that SMART repair would not be able to repair structural damage including cracked, buckled or distorted wheels.

What is not covered under this policy

 

As with any insurance product, there are exclusions and circumstances that are not covered. View the full list of these exclusions and not covered circumstances below.

Alloy Wheel exclusions

We will not pay any claims in respect of:

a) More than 5 Alloy Wheel claims in any policy period

b) Where the damage of Your Alloy Wheels is deemed to be a manufacturing defect.

c) Theft of Alloy Wheels.

d) Cracked or buckled Alloy Wheel(s).

e) Alloy Wheels with split rim construction or with chrome effect finishes.

f) Non- standard or aftermarket Alloy Wheels.

g) Damage caused by driving whilst a tyre is deflated or because of tyre replacement.

h) Damage present on any Alloy Wheels prior to the start of this policy.

i) Any deliberate damage caused by You or any omission on Your part.

j) Failure of the Approved Repairer to match the cosmetic finish of any other Alloy Wheel on the Vehicle.

Tyre exclusions

We will not pay any claims in respect of:

a) Wear and Tear, including any unevenly worn Tyres caused by defective steering geometry

b) Outside manufacturer’s recommended limits, or wheel balance; failure of a suspension component or shock absorber or which in the opinion of a qualified engineer was caused wholly or partly from a lack of maintenance e.g. incorrect Tyre pressure. More than 5 Tyre claims for Vehicles in the Period of Insurance Tyre(s) fitted to Vehicle

d) Which have been modified in any way from the manufacturer’s specification, or

e) Any Damage where the fault or Damage occurred before the inception of this insurance, or

f) Incurred due to the Vehicle being driven following the initial failure.

g) Caused by fire, any road traffic accident, or where the Vehicle is a total loss.

h) Where Damage is caused to any other part of the Vehicle by the same incident

i) Which is part of a road traffic accident or road risk insurance claim.

j) Loss of whatsoever nature arising directly or indirectly, in whole or in part, due to any act or omission which is wilful, unlawful or negligent on Your part.

k) Any malicious Damage claim, which is not accompanied by a valid and substantiated crime reference number.

l) Theft of the Tyre(s).

m) Any claim where at the time of Damage the Tyre tread depth is less than 2mm across the full tread area of the Tyre.

n) Manufacturing defects or faults including manufacturer’s recall.

o) Tyre(s), which are not ‘E’ Marked and any claim where there has been an attempt to remove the serial number or other identifying marks from the Tyre(s).

This policy does not cover

  • Any alloy wheel or tyre damage which is not reported within thirty (30) days of the date of loss.
  • Any amount in excess of the maximum limits shown in the policy schedule.
  • Any claim relating to a tyre or alloy wheel that is not fitted to the vehicle or damage that was present at the start of the policy.
  • Any alloy wheel which has a chrome finish or split rim construction.
  • Any claim relating to a road traffic accident or as a result of fire, theft or flood.
  • Any claim where the tyre tread depth does not comply with UK road traffic regulations at the date of loss.
  • Any alloy wheel or tyre damage where the damage has been accumulated over an extended period, which is deemed to be wear and tear.
  • Any damage to an alloy wheel showing evidence of rust or corrosion.
  • Any claim for malicious damage that is not accompanied by a crime reference number.
  • For consequential damage of any kind or any consequential loss, injury or damage.
  • Any damage the occurs within 14 days of the Policy start date.

Are there any restrictions?

  • Cover only applies where the accidental or malicious damage is a result of a sudden and unforeseen event.
  • You must be resident in the United Kingdom, Channel Islands or the Isle of Man.
  • You must have purchased the policy from the policy retailer no later than thirty (90) days after purchasing the vehicle.
  • The vehicle must not be an emergency vehicle, commercial vehicle over 3.5t, taxi, courier vehicle, bus, minibus, coach, truck, motor home, trailer, heavy goods vehicle, licensed private hire vehicle, daily rental vehicle or breakdown and recovery vehicle.
  • The vehicle must not be used for hire and reward, driving school tuition, chauffeuring, road racing, track days (timed or untimed), rallying, pace-making, speed testing or any other competitive event.
  • The vehicle must not be older than seven (7) years or covered more than 100,000 miles at the start of the policy.
  • You must provide two images per alloy/tyre, one showing the full alloy and side of the tyre and the other including the side panel of the Vehicle within fourteen (14)days of purchasing the policy.

Get your quick Tyre and Alloy Wheel quote

With just a few simple questions you can get your tyre and alloy wheel quote.

Alloy Wheel Insurance FAQ

What is Tyre and Alloy Wheel Insurance?

This policy covers your Alloy Wheels for accidental scuffs and scrapes and any accidental or malicious damage to your tyres which causes them to deflate (so long as you have a crime reference number)

 

What are the qualifications to get Tyre and Alloy Wheel Insurance?

This policy is for vehicles that are a maximum of 7 years old and must have completed less than 100,000 miles at the start date of this policy. Your vehicle must also be registered in the United Kingdom, the Channel Islands or the Isle of Man. We recommend reading all the Ts and Cs before purchasing any kind of insurance – so make sure you have a read of these.

 

Do I have to pay any excess on Tyre & Alloy Wheel insurance?

No, there is no excess to pay on this insurance cover.

 

Are there any claims restrictions on this Tyre & Alloy Wheel insurance?

You can make up to 5 claims per policy for your Alloy Wheels and make up to 5 claims over the policy term for your tyres.

 

What is SMART repair for Alloy Wheels?

SMART stands for “small to medium area repair technique and it repairs minor cosmetic damage and defects. If a cosmetic repair is not possible, we will give you £150 towards a replacement Alloy Wheel.

It is worth noting that SMART repair would not be able to repair structural damage including cracked, buckled or distorted wheels.

 

Do you cover diamond cut Alloy Wheels?

Yes we do! Other insurance companies don’t cover these; but we are happy to say that under this policy; your diamond cut alloys are covered.

In some cases, the damaged alloy may need to be removed and sent away for repair which can take up to 10 working days. If your car does not have a spare wheel you will need to use an alternative mode of transport and these costs are not covered by the policy.

 

 

Can I buy Tyre and Alloy Wheel insurance on it’s own?

Yes you can! You can purchase this insurance as a standalone product or alongside one of our other policies. We think it’s a good accompaniment to one of our GAP insurance policies.

You can buy a 1, 2 or 3 year Tyre and Alloy Wheel insurance policy too, so depending on how long you think you’ll have your car for – you are sorted.