Alloy Wheel Insurance

This insurance policy will cover the cost of parts and labour to carry out repairs to the painted finish of Alloy Wheels resulting from:

Accidental Damage to Your alloy wheels.

Please note that this policy does not cover alloy wheels with a chrome effect finish or of split rim construction and/or diamond cut wheels.

This policy can only be purchased in conjunction with Gap Insurance and be purchased within 90 days of vehicle delivery.


Alloy Wheel Insurance
  • Covers up to 5 wheels in the insured period.
  • Covers 2 Claims Per 12 month period
  • Claim limit of up to £250 per repair
  • Cover available for 1,2 & 3 Years
  • Mobile service-repairer comes to you
  • Nationwide Repair Network
  • Covers vehicles up to 2 years old
  • Covers vehicles up to 20,000 Miles


  • 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?

    The insurer, AmTrust International Underwriters, is a major insurer in the UK and Europe and is authorised by the Financial Conduct Authority, authorisation number 203014. 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?

    The claim limit is up to £250 per claim and £500 per annum.

  • 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?

    All premiums are single one off payments to cover you for the selected term.

  • Is an excess payable on this policy?

    Yes £25 per claim.

  • 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).

  • When can I purchase the cover?

    This cover must be purchased within 60 days of delivery of the vehicle.

  • How many claims can I make?

    You can make 2 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.