Alloy Wheel Insurance

Alloy wheel insurance policy will cover the cost of parts and labour to carry out repairs to your Alloy Wheels 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 be purchased within 30 days of vehicle delivery.

10 Months Interest Free Credit Available.

Alloy Wheel Insurance
  • Covers up to 4 Wheels per 12 month period
  • No Claims Excess
  • Cover available for 1,2 & 3 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?

    This 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.

  • 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 and the Prudential Regulation Authority under number 202875.  This can be checked at

    The Insurer is covered by the FSCS. 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 this a one off or annual payment?

    It can either be a single, one-off payment with the use of a credit/debit card without any card charges, or alternatively we can arrange for interest free payments over 10 months. 

    This applies to all Tyre Insurance,  Alloy Wheel and Scratch & Dent policies.

  • What is the Geographic Area of cover?

    The United Kingdom, excluding the Isle of Wight and the Islands of Scotland (including the Shetland, Orkney, Inner Hebrides and Outer Hebrides Islands). Please note that this means the Isle of Man is also excluded.

  • 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 can only be purchased in conjunction with the purchase of a gap insurance policy from Direct Gap Insurance (No single sales allowed).

  • 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 within 30 days of delivery of the vehicle.