Alloy Wheel Insurance

Alloy wheels can make for the perfect finishing touch to your vehicle. They’re lighter, more durable and offer a sleek aesthetic when compared to steel, so it’s little wonder they’ve become such a popular choice for drivers up and down the country.

However, accidents do happen, and a scrape with a kerb, bollard or a drystone wall can easily damage the wheels of your pride and joy. Even minor cosmetic touch-ups can prove pricey, so why not protect yourself and your vehicle with Alloy Wheel Insurance from Direct Gap.

It’s a policy that will cover the cost of parts and labour for repairs resulting from accidental damage, but please note it does not cover alloys with split-rim construction.

Alloy insurance can only be purchased in conjunction with Gap Insurance and within 30 days of vehicle delivery.

10 months interest-free credit available.

  • Covers up to four wheels per 12-month period
  • No claims excess
  • Cover available for 1-4 years
  • Mobile service-repairer comes to you
  • Nationwide repair network
  • Covers vehicles up to three years old
  • Covers vehicles up to 50,000 miles
  • No call out fees
  • Covers diamond-cut wheels (subject to terms)
  • £150 towards new wheel if damaged beyond repair

Why choose Direct Gap for your Alloy Wheel Insurance

Here are just some of the reasons that make Direct Gap the go-to choice for Alloy Wheel Insurance in the UK:

•  Flexibility: We’re committed to providing an alloy insurance policy that suits you and your car.

•  Knowledge: We understand what drivers want from their motor insurance and all of our claims are dealt with by our in-house specialists, so you’ll never be passed around a call centre.

•  Responsibility: We’re fully regulated by the Financial Conduct Authority, so you can be confident in the knowledge you’re dealing with a wholly reputable company.

•  Integrity: Our team will always act in your best interests – they don’t make any commission from the sale of Alloy Wheel Insurance policies.

•  Service: Our commitment to going the extra mile for our customers means we’re proud to boast a number of glowing reviews and a 5-star Feefo rating.


What is alloy wheel insurance and what does it cover?

Alloy wheel insurance covers the cost of parts and labour to carry out repairs to the painted finish of alloy wheels resulting from accidental damage occurring within the geographical area. If your alloys are damaged beyond repair, we will contribute £150 towards the cost of a new wheel.

Is Alloy Wheel Insurance worth it?

Even when the damage to your wheels seems fairly small, repairs can still prove pricey and if you decide not to do anything about the issue, fixing it further down the line could turn out to be even more expensive. However, an Alloy Wheel Insurance policy from Direct Gap means you are safe in the knowledge that any accidental damage will be covered in full.

Get an Alloy Wheel Insurance quote.

Does car insurance cover alloy wheels?

The majority of motor insurance policies will cover minor cosmetic damage to your car, but these repairs are likely to cost less than your excess. That means that taking out an Alloy Wheel Insurance policy could still prove a sensible choice, as you will avoid having to risk your no-claims bonus when fixing what is relatively minimal damage.

Does Gap Insurance cover alloy wheels?

No, Gap and Alloy Wheel Insurance are two separate policies. The idea of Gap Insurance is to cover the depreciation between your car’s value at the point of purchase and your motor insurer’s settlement when that vehicle is written off. However, in instances where your car only suffers relatively minor damage to the wheels, then alloy insurance is the most appropriate form of cover.

Can the Alloy Wheel cover be purchased on its own?

No, this policy can only be purchased in conjunction with Gap Insurance from Direct Gap.

Do alloy wheels increase your insurance premium?

Yes, non-standard alloys must be declared to your fully comprehensive motor insurer, and they can cause the cost of your premium to go up.

Is Alloy Wheel Insurance only for new cars?

No, you can take out alloy insurance provided your car is not over three years old and has not done more than 50,000 miles. For a full list of exclusions, please refer to your policy wording.

Can I get Alloy Wheel Insurance if I bought my car on finance?

Yes. As long as your alloy insurance is purchased in conjunction with a Gap Insurance policy, it doesn’t matter to us whether you bought your car up front or on finance.

Will I be covered by Alloy Wheel Insurance if I'm at fault?

Yes, if the damage to your alloys occurs as a result of fault on your part, this policy will still cover the cost of the repairs. Please note, however, that any damage as a result of fraud, false actions or dishonesty will not be covered. Your policy document contains a comprehensive list of the exclusions that apply.

How old can my car be for me to buy Alloy Wheel Insurance?

Up to three years old when you take out the policy. Your car must also have covered fewer than 50,000 miles at this time.

Can anyone drive my car and still be covered by my Alloy Wheel Insurance?

Yes, as long as the individual is a named driver on your comprehensive motor insurance policy.

When can I purchase alloy insurance?

Alloy Wheel Insurance must be purchased in conjunction with Gap Insurance and within 30 days of delivery of the vehicle.

Get an Alloy Wheel Insurance quote.

Whose name should the policy be in?

The policy should always be in the name of the owner / hirer or registered keeper of the vehicle.

How do I take out Alloy Wheel Insurance?

We like to keep things simple, and taking out Alloy Wheel Insurance with Direct Gap is certainly straightforward. To get a quote online, all you have to do is enter the desired term of your policy (1-4 years) and the make of your vehicle.

Of course, should you wish to speak to a member of our friendly team, just get in touch and we’ll be able to talk you through the process of taking out a policy. You can contact us by phoning 01422 756100 or by sending an email to

Get an Alloy Wheel Insurance quote.

Is there a waiting period?

Yes, for the first 30 days of your alloy insurance, no claim will be accepted. This also applies to Scratch & Dent and Tyre Insurance policies.

When and how do I receive my policy documents?

Your Alloy Wheel Insurance documents, together with confirmation of payment, are sent by email as soon as you make the purchase.

How do I claim on my Alloy Wheel Insurance?

If your alloys become damaged, call the administrator on 0344 573 8129 within 30 days. You’ll be asked to provide various pieces of information, such as your policy number, vehicle registration and the nature of the damage. There may also be instances where you are required to supply photographic evidence to support your claim. If your claim is authorised, the administrator will organise an approved repairer to carry out the work.

What is the claim limit?

We will pay for the repair in full and you can claim up to four times in any 12-month period of insurance.

Will a claim on my Alloy Wheel Insurance affect my no-claims bonus?

No, rest assured that claiming for damage to your alloys with this form of cover will not affect your motor insurance policy.

Is an excess payable on this policy?

No, there are no excesses to pay on our policies.

Why would my Alloy Wheel Insurance not pay out?

This policy does not cover alloys of split-rim construction, nor will you be covered for any damage reported within the first 30 days of purchasing the policy. General wear and tear and theft does not fall under the remit of your Alloy Wheel Insurance, nor does any damage caused by driving when the tyre is deflated. The examples mentioned here are just some of the exclusions that apply; for a full list, please consult your policy wording.

Are any wheels excluded?

Yes - alloy wheels with a chrome-effect finish or of split-rim construction.

Why is Direct Gap so much cheaper than motor dealers quote?

We are an internet-based provider, so we have lower overheads than motor dealers. We sell a high volume of insurance, which means we are able to provide quality policies at the keenest prices.

You can be confident that our prices are lower than those quoted by dealers and many other websites. Paying less than you have been quoted elsewhere does not mean that you are buying an inferior product, it just means others are making more profit from your purchase!

Who is the insurer of this policy?

Motors Insurance Company Limited (MICL), which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority under number 202875. This can be checked via the FCA Register.

The insurer is covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if the insurer cannot complete their obligations. This depends on the type of business and the circumstances of the claim. For claims against insurers, 90% of the claim is covered with no upper limit.

What is the Geographic Area of cover?

The United Kingdom, excluding the Isle of Wight and the Islands of Scotland (including Shetland, Orkney, the Inner Hebrides and Outer Hebrides). Please note that this means the Isle of Man is also excluded.

Can I transfer my Alloy Wheel Insurance policy?

No, Alloy Wheel Insurance is not a transferable form of cover. If you change your car, you can earn a pro rata refund on your policy – with a £20 cancellation fee – provided that no claims have been made.

Can I cancel my alloy wheel insurance?

Should you decide that you no longer want or require your Alloy Wheel Insurance, you can cancel within a 30-day grace period (more than twice the legal obligation of 14 days) and receive a full refund. If those 30 days have elapsed, you will be refunded on a pro rata basis, minus a £20 cancellation fee.