Tyre Insurance

Covers the cost of the replacement or repair of the tyres fitted to your vehicle that have sustained either accidental or malicious damage.

It will cover up to 4 tyres each year, and will pay up to £300 towards the cost of a replacement tyre.

This policy can only be purchased in conjunction with Gap Insurance and be purchased within 30 days of vehicle delivery.

Tyre Insurance
  • Covers New & Used Cars
  • Cover from 1 to 3 years
  • 4 Claims Per 12 Month Period Permitted
  • Fitting & Balancing Included
  • Claim limits of £150 or £300
  • Covers Run Flats and Tyres over 18"
  • No Wear & Tear Deductions
  • Covers Accidental and Malicious damage
  • Covers all drivers on your insurance policy
  • Covers vehicles up to 3 years old
  • Covers vehicles up to 50,000 miles
  • Standard & Run Flat Plan Options
  • No Excess Charges Payable
  • £50 towards puncture repair

FAQ's

  • What cover does Tyre Insurance provide?

    The purpose of this Insurance is to contribute towards the cost of the repair or replacement of the tyres fitted to your vehicles that have sustained either accidental or malicious damage which results in deflation.

    This insurance covers tyres, including winter tyres, fitted to the vehicle provided these are in accordance with the manufacturer's original specification and within legal limits. Cover is available for passenger cars, light 4 wheel commercials and motor homes (under 3500 GVW).

    The maximum amount that the insurer will pay for any single claim will be limited to either £150 or £300 per, tyre per occasion depending on the claim limit you have selected. This will include a valve, balance and VAT.

    The maximum aggregate amount payable throughout the period of insurance is limited to 4 claims per 12 month period of insurance.

  • 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 register.fca.org.uk

    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 maximum amount that the insurer will pay for any single claim will be limited to either £150 or £300 per, tyre per occasion depending on the claim limit you have selected. This will include a valve, balance and VAT.

    The maximum aggregate amount payable throughout the period of insurance is limited to 4 claims per 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?

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

  • 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.

  • Are run flat tyres covered?

    Yes; run flat tyres are included in the policy, provided you have selected and paid for the run flat product.

  • Are there any wear and tear deductions?

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

  • Am I covered for malicious damage?

    Yes; the policy will cover malicious damage to tyres provided that a police report is available.

  • Where do I need to buy my tyres from?

    Tyres must be either repaired by or purchased from a VAT registered tyre supplier or dealer.

    This can be a supplier of your choice or in certain circustances the insurer has a fleet account with Kwik Fit and you will not be required to make payment.

  • What is the maximum permitted mileage at time of policy inception?

    Maximum permitted is 50,000 miles at date of policy purchase.

  • 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.

  • When can I purchase the cover?

    This cover must be purchased within 30 days of delivery of the vehicle.