Combined Tyre and Alloy Insurance

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).

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

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.

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.

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.

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.

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.

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.

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

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

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

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

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 enquiries@directgap.co.uk.

Get a Tyre and Alloy Insurance quote

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

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

If your alloys or tyres become damaged, call the claims handler on 0161 451 4803 or email claims@defendinsurance.co.uk 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.

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

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

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.

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

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

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!

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.

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.

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.

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.