Alloy Wheel Insurance

An alloy wheel insurance policy from Direct Gap will cover the cost of parts and labour to carry out repairs resulting from:

Accidental damage to your alloy wheels.

Please note that this policy does not cover alloy wheels with split rim construction.

This policy 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 4 Wheels per 12 month period
  • No Claims Excess
  • Cover available for 1,2,3 & 4 Years
  • Mobile service-repairer comes to you
  • Nationwide repair network
  • Covers vehicles up to 3 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


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.

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.

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 under number 202875. This can be checked at

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 claim limit?

We will pay for the repair in full and you can claim up to 4 times in any 12 month period of insurance.

When and how do I receive my policy documents?

Policy documents together with confirmation of payment are sent by email as soon as you make the payment.

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.

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

We are an internet based provider and as such we have lower overheads than motor dealers.

As a result of the high volume of GAP insurance that we sell annually, 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 web sites.

Paying less than you have been quoted elsewhere in no way means that you are buying an inferior product, it just means that they are making more profit from your purchase!

Is an excess payable on this policy?

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

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.

Are any wheels excluded?

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

How many claims can I make?

You can make up to 4 claims in each 12 months period.

Is there a waiting period?

Yes - the first 30 days following the inception of this Insurance during which time no claim will be accepted. This applies to all Alloy Wheel, Scratch & Dent and Tyre Insurance policies.

When can I purchase the cover?

Alloy wheel insurance must be purchased in conjunction with gap insurance and within 30 days of delivery of the vehicle.

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?

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 wheel insurance is the most appropriate form of cover.

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 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 to your wheels will be covered in full.

Can I get allow wheel insurance if I bought my car on finance?

Yes. As long as your alloy wheel cover 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.

Is alloy wheel insurance only for new cars?

No, you can take out alloy wheel cover provided your car is not over 3 years old and has not done more than 50,000 miles. For a full list of exclusions, please refer to your policy wording.

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 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 756 100 or by sending an email to

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 then 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.

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.

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.

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.

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.

How old can my car be to buy alloy wheel insurance?

Up to 3 years old when you take out the policy. Your car must also have covered fewer than 50,000 miles at this time.

Will a claim on my allow 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.

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.

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