Combined Tyre and Alloy Insurance

As the contact point between your vehicle and the road, it’s crucial that you look after your tyres. If something were to happen to them, your car would be unsafe to drive and it could cost you a pretty penny to get the problem sorted out.

Meanwhile, alloy wheels can make for the perfect finishing touch. 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 punctures and tears or scrapes with kerbs, bollards or walls can easily damage the tyres and wheels of your pride and joy. Even relatively minor fixes can prove pricey, so why not protect yourself and your vehicle with Combined Tyre and Alloy Insurance from Direct Gap?

  • Covers 5 alloys (up to £150 per alloy)
  • Covers 5 new tyres (up to £250 per tyre)
  • Covers accidental and malicious damage
  • Cover available for 1 - 3 years
  • Mobile service-repairer comes to you
  • Nationwide repair network
  • Covers vehicles up to 7 years old
  • Covers vehicles up to 100,000 miles
  • Fitting and balancing included
  • Covers diamond-cut wheels (subject to terms)
  • No excess payable
  • No call-out fee

Why choose Direct Gap for your Tyre and Alloy 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 a policy that suits you and your car.

Knowledge: We understand what drivers want from their motor insurance and all 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 Tyre and Alloy 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.

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Comprehensive Insurance
Potential loss

Only £ 8,550 would be covered by your Comprehensive Car Insurance
leaving a gap of £10,450

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See what our customers are saying about us

natasha badger 28 Oct 2023

55 star rating

Easy to use and half the cost the dealership wanted for a gap policy

Paul Cross 26 Apr 2022

55 star rating

Quick, easy, and very competitive.

Syed Mubarak Syed Ahmad 16 Aug 2023

55 star rating

It was very easy to get the cover and the whole transaction took less than 10 minutes to complete.

Evonne Rogers 7 Aug 2022

55 star rating

Excellent service, easy to navigate website. Had the exact product I was looking for.

Gillian Millar 12 Jan 2023

55 star rating

Nice and easy website and good value compared to main dealer.

Dave Wilkinson 6 Sep 2023

55 star rating

Very straight-forward and a compoetitive price.

Anca Riglea 25 Aug 2022

55 star rating

Super easy to follow the website and purchase the insurance. Comparing to others, Direct Gap is so so affordable Amazing customer service

Surjit Pangli 15 Mar 2023

55 star rating

Easy to use site. Considerably less than dealer's quote.

Noel Egbury 22 Jun 2023

55 star rating

Very quick to obtain a quote and much, much cheaper than the main dealer price offered at the point of sale.

Beverley Williams 10 Nov 2022

55 star rating

Competitive prices + straightforward to purchase

clive williams 14 Jul 2023

55 star rating

As always great first class customer service. Have always used and will continue to do so. !! Thanks

Michael Voyzey 4 Jan 2024

55 star rating

Really easy to purchase a Gap Insurance Policy this is my second one with Direct Gap

Andy 11 Jun 2022

55 star rating

Great price, easy to set up. Customer service, very helpful

Robert Illingworth 29 Jun 2022

55 star rating

Easy to do and is very comprehensive.

Ranjit Ghag 11 Dec 2023

55 star rating

I have previously used this service and find it amazing, competitive prices and cheaper than buying direct from dealers.

Scott Selbie 8 Sep 2023

55 star rating

Very competitively priced and easy to complete website I would recommend to others

Richard. Alan. Smith 16 Jul 2023

55 star rating

Second time used for gap insurance, no hassle just straight forward application process and a sensible cost. Would highly recommend.

Susan Smith 13 Mar 2023

55 star rating

Much cheaper than other quotes. Easy to do. I phoned to talk to an adviser as never needed this type of insurance before. No hold time and very helpful.

S George 18 Dec 2013

55 star rating

Best price for level of cover I wanted. Website easy to navigate. The follow up administartion was also very good

James Batchelor 19 Dec 2013

55 star rating

High on Google search and competitive against others mentioned by Which.


55 star rating

I tried several. You came out top on clarity and price

James Grierson 23 Dec 2013

55 star rating

Only place I could find which allowed me to purchase tyre insurance without GAP insurance.

Joseph Adeleye 26 Mar 2018

55 star rating

I had my car stolen and direct gap were very considerate. They helped me through my claim and helped with the vehicle replacement. I would recommend direct gap to anyone looking fo…

Mr Matthew Jones 19 Dec 2013

55 star rating

Straight forward, liked the easy examples


What is Tyre and Alloy Insurance and what does it cover?

Tyre and Alloy Insurance covers the cost of parts and labour to carry out repairs to alloys or tyres that have suffered accidental or malicious damage. If they are damaged beyond repair, we will contribute £250 towards the cost of a replacement tyre or £150 for a new wheel. The maximum aggregate amount payable is limited to five claims per period of insurance.

This policy covers alloys and tyres, including winter tyres, fitted to the vehicle provided these are in accordance with the manufacturer's original specification and within legal limits. Tyre and Alloy Insurance is available for passenger cars, light four-wheel commercials and motorhomes (under 3,500kg GVW).

Is Tyre and Alloy Insurance worth it?

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

Get a Tyre and Alloy Insurance quote

Does car insurance cover alloys and tyres?

The majority of motor insurance policies will cover minor cosmetic damage to your wheels, but these repairs are likely to cost less than your excess. Meanwhile, the likes of punctures, cuts or bursts and any damage caused by braking will not be covered by most insurers.

So, taking out a Tyre and Alloy Insurance policy could still prove a sensible choice. It means you won’t have to fork out a fortune for repairs or replacements and you’ll avoid having to risk your no-claims bonus when fixing what is relatively minimal damage.

Does Gap Insurance cover tyres and alloy wheels?

No, they 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. Tyre and Alloy Insurance is the most appropriate form of cover in instances where the damage is confined to the wheels or tyres, but it can only be bought in combination with a Gap Insurance policy.

Is Tyre and Alloy Insurance only for new cars?

No, you can take out Tyre and Alloy Insurance provided your vehicle is not over 7 years old and has not done more than 100,000 miles. For a full list of exclusions, please refer to your policy wording.

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

Yes. As long as your 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.

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

Yes, if the damage to your alloys or tyres 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 Tyre and Alloy Insurance?

Up to seven years old when you take out the policy. Your car must also have covered fewer than 100,000 miles at this time.

Are there any wear and tear deductions?

No, there is no charge for betterment, but the tyres and alloys must comply with the legal requirements.

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

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

Am I covered for malicious damage?

Yes, your Tyre and Alloy Insurance policy will cover malicious damage provided a police report is available.

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 Tyre and Alloy Insurance?

We like to keep things simple, and taking out Tyre and Alloy 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 (1-3 years) and the claim limit.

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 a Tyre and Alloy Insurance quote

Is there a waiting period?

Yes, for the first 14 days of your cover, no claim will be accepted. This also applies to our Scratch and Dent Insurance.

When and how do I receive my policy documents?

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

How do I claim on my Tyre and Alloy Insurance?

If your alloys or tyres become damaged, call the claims handler on 0161 451 4803 or email within 30 days. Your handler will then tell you what you need to do to submit your claim. They may ask for photographs as supporting evidence. If the damage is malicious you will need to obtain a crime reference number from the police.

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

No, rest assured that claiming 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 Tyre and Alloy Insurance not pay out?

This policy does not cover wear and tear or anything relating to a tyre or wheel that has been fitted since the period of cover began. It also excludes any claim that comes as a result of a road traffic accident, fire, theft or flood, and there won’t be any payout for claims where the tyre’s tread does not comply with UK law. 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 split-rim construction.

How much does Tyre and Alloy Wheel Insurance cost?

Our Tyre and Alloy Insurance quotes start from just £299. However, the cost of your premium will depend on the length of the policy and the make and model of your vehicle. To find out how much your premium will be, hit the button below and get your quote in a matter of seconds.

Get a Tyre and Alloy Insurance quote

Why is Direct Gap so much cheaper than motor dealer quotes?

We are an internet-based provider, so we have lower overheads than motor dealers. We sell a high volume of insurance, which means we can 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 you are buying an inferior product; it just means others are making more profit from your purchase!

Who is the insurer of this policy?

Fortegra Europe Insurance Company Ltd (Malta Company Registration Number C 84703), Office 13, SOHO Office The Strand, Fawwara Building, Triq I-Imsida, Gzira, GZR 1401, Malta. Fortegra Europe Insurance Company Ltd is authorised under the Insurance Business Act 1998 of the laws of Malta to carry out general business, and is regulated by the Malta Financial Services Authority, Triq l-Imdina, Zone 1, Central Business District, Birkirkara, CBD 1010, Malta. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority under reference number 805770, and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permission Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Annual reports on our solvency and financial position can be found here.

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 the Outer Hebrides). Please note that this means the Isle of Man is also excluded.

Can I transfer my policy?

No, Tyre and Alloy 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 £35 cancellation fee – provided that no claims have been made.

Can I cancel my Tyre and Alloy Insurance?

Should you decide that you no longer want or require your policy, you can cancel within a 30-day grace period (more than twice the legal obligation of 14 days) and receive a full refund, minus a £15 cancellation fee. If those 30 days have elapsed, you will be refunded on a pro rata basis, minus a £35 cancellation fee.