Alloy Wheel Insurance

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. If your alloys are damaged beyond repair, we will contribute towards the cost of a new wheel (see your policy schedule for claim limits and exclusions).

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.

Get an Alloy Wheel Insurance quote.

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.

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.

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

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.

Yes, upgrading or repainting your alloys could affect the price of your premium. If you have better alloys, insurers may see them as a higher risk of theft, which would be reflected in the cost of your cover.

Get an Alloy Wheel Insurance quote.

No, you can take out alloy insurance at any time provided your car is not over ten years old and has not done more than 100,000 miles. For a full list of exclusions, please refer to the policy wording.

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.

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.

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

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

Our new Alloy Wheel Insurance can be purchased at any time provided your vehicle is under ten years old and 100,000 miles. You will be required to submit photos of the current condition of your vehicle upon purchase.

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 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 (1-3 years) and size of your alloys.

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 [email protected]

Get an Alloy Wheel Insurance quote.

Yes, for the first 14 days of your alloy insurance, no claim will be accepted. This also applies to Scratch & Dent and Tyre Insurance policies.

Your Alloy Wheel Insurance documents, together with confirmation of payment, are sent by email as soon as you make the purchase. You may also access your documenta through your online account.

If your alloys become damaged, call the administrator on 0114 321 9877 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.

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

Yes, a £10 excess is payable on all Alloy Wheel claims. This helps us reduce the risk of fraud which keep the cost of our policies down for the rest of our customers.

This policy does not cover alloys of split-rim construction, nor will you be covered for any damage reported within the first 14 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.

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

Our Alloy Wheel Insurance quotes start from just £175. However, the cost of your premium will depend on the length of policy and the size of your alloy wheels. To find out how much your Alloy Wheel Insurance will cost, hit the button below and get your quote in a matter of seconds.

Get an Alloy Wheel 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 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!

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.

This policy is only valid within the UK Mainland and Northern Ireland only.

If you sell your vehicle during the policy term, you may transfer the benefits of your alloy 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 decide that you no longer want or require your Alloy Wheel & Tyre 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 £35 cancellation fee.