Tyre Insurance

The purpose of Tyre Insurance is to contribute towards the cost of the repair or replacement of tyres that have suffered accidental or malicious damage.

This policy covers tyres, including winter tyres, fitted to the vehicle provided these are in accordance with the manufacturer's original specification and within legal limits. Tyre Insurance cover is available for passenger cars, light four-wheel commercials and motorhomes (under 3500 GVW).

The policy covers up to 5 claims per year, starting from the inception date of the policy.

Should your tyres become damaged and need replacing or repairing, it could become expensive, especially if the tyres required for your vehicle are specialist or need to be of high performance. Without Tyre Insurance, you might find yourself significantly out of pocket, so why take that risk?

With a robust Tyre Insurance policy from Direct Gap, you can get behind the wheel safe in the knowledge that our cover will contribute up to 5 times a year towards the cost of any tyre repairs or replacements – a major saving by anyone’s standards.

Get a Tyre Insurance quote.

The likes of punctures, cuts or bursts and any damage caused by braking will not be covered by most motor insurance policies. That’s why Tyre Insurance with Direct Gap can prove a sensible solution. It offers you added peace of mind that, should anything go wrong with your tyres, you won’t have to fork out a fortune for their repair or replacement.

No, Gap and Tyre Insurance are separate products. A Gap Insurance policy covers the difference between your vehicle’s initial purchase price and its value at the point where it is declared a total loss. Tyre Insurance is a specific form of cover that will contribute towards the cost of replacement or repairs should your tyres suffer accidental or malicious damage.

Yes, this policy can be purchased standalone or in conjunction with Gap Insurance.

No, we have Tyre Insurance for older cars up to ten years in age. However, please note that the maximum permitted mileage at the date of the policy purchase is 100,000 miles.

Get a Tyre Insurance quote.

Yes. Whether you purchased your car outright or via a finance agreement, our Tyre Insurance cover is available to you.

Yes, your policy will cover you even if the incident that caused your tyres to become damaged was your fault. However, please note that you will not be covered if the driver of the car is under the influence of alcohol, non-prescription drugs, is involved in illegal activity, fraud or an act of wilful negligence. We recommend that you carefully read through your policy documents for full terms and conditions.

Yes, others are covered by your car’s Tyre Insurance as long as they are a named driver on your comprehensive motor insurance.

Yes, run flat tyres are included under the Tyre Insurance policy, provided this is noted on your policy schedule.

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

Yes, your Tyre Insurance policy will cover malicious damage to tyres provided that a police report is available.

When making a claim your claim handler will be able to share with you our approved retailers.

Tyre Insurance can be purchased at any time, however may be required to submit photos evidencing the current condition of your tyres.

Get a Tyre Insurance quote.

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

Here at Direct Gap, we believe in making life as easy as possible for our customers, and taking out a Tyre Insurance policy is certainly no different. You can calculate your quote online – all you need to do is fill in the desired length of policy and your tyre size, and we’ll provide you with a quote in seconds – it’s that simple.

Of course, you can always get in touch with a member of our expert, friendly team – they’ll be only too happy to help you out. You can email us at [email protected] or call us on 01422 756100.

Get a Tyre Insurance quote.

Yes – for the first 14 days of your car’s Tyre Insurance period, no claim will be accepted. This also applies to our Alloy Wheel and Scratch & Dent policies.

Your Tyre Insurance policy documents together with confirmation of payment are sent by email as soon as you make the payment. You may also view your policy documents by logging in to your online account.

If your tyres become damaged and need repairing or replacing, you can call the administrators claims number on 0114 321 9877.

This policy will allow up to 5 claims per year. Please see your policy documentation for further claim limit details.

No, a claim on this policy will have no impact on your standard motor insurance.

A £10 call-out-charge is payable when claiming on this policy. This helps us reduce fraud and keep premiums down for our customers.

Your policy won’t pay out for damage that isn’t classed as accidental or malicious, happened before your cover started, or is down to normal wear and tear. It also won’t cover issues caused by faulty tyre design/manufacture, a road traffic accident (including where the vehicle is written off), or problems linked to poor maintenance or incorrect setup — like wrong tyre pressure, misalignment, imbalance, or defective steering/suspension. Tyres without an “E” mark aren’t covered, and theft of tyres isn’t covered either.

Claims can be declined or reduced if you exceed the policy’s claims limit, don’t pay the £10 excess per repair (unless you’ve paid a call-out charge), or if the damage is someone else’s responsibility (for example, a third-party collision covered by their motor insurance). You must get approval before repairs are carried out, report damage within 30 days, and have repairs done within the covered territories (UK mainland, Jersey, or Guernsey).

Our Tyre Insurance policies start from just £147, but the cost of your premium will depend on the length of cover and tyre size. The easiest way to work out how much your Tyre Insurance will cost is to hit the button below and get a quote in a matter of seconds.

Get a Tyre Insurance quote.

We are an internet-based provider and we have lower overheads than motor dealers. We sell a high volume of insurance products, so 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 doesn’t mean that you are buying an inferior product, it just means that they are making more profit from your purchase!

The insurer of this policy is Helvetia Global Solutions Ltd, UK Branch. Establishment number: BR024650. Helvetia Global Solutions Ltd is authorised and regulated by the Liechtenstein Financial Market Authority, Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Registered on the Financial Services Register under the firm reference number 454140.

The policy is administered by Spectrum Insurance Services Limited who will provide administrative services on our behalf. Spectrum Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 309230). This information can be checked by visiting the Financial Conduct Authority’s website. Spectrum Insurance Services Limited is registered in England: under company number 05129413.

If you sell your vehicle during the policy term, you may transfer the benefits of your tyre insurance to the new owner of your vehicle, provided that you sell your vehicle privately and not through a garage, motor trader, auctioneers or similar company.

The transfer will be subject to a £35 administration fee. The transfer will be subject to the administrator’s approval and the fee will be returned in the event of non-acceptance.

Additionally, if you sell your vehicle, you may transfer the remaining cover to your eligible replacement vehicle, subject to the administrator’s agreement.  The first transfer is free of charge, subsequent transfers will be subject to a transfer fee of £35. Proof that the vehicle is free from damage may be required prior to acceptance of any transfer. If the new vehicle does not meet the eligibility requirements of this insurance, the transfer will be declined and any transfer fee paid will be refunded. All transfer requests must be made within 30 days of the date of sale of your vehicle.

Should you no longer want your Tyre Insurance policy, you are able to cancel. We offer a 30-day grace period (more than twice the legal requirement of 14 days) within which you will be entitled to a full refund. After those 30 days, you’ll be charged a £35 cancellation fee and will be refunded on a pro rata basis, provided no claims have been made.