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Alloy Wheel Insurance

How does it work?

Alloy Wheel Insurance will pay for the cost of repairs resulting from accidental damage to your alloy wheels.
This insurance is only available for vehicles supplied by a franchised (main agent) motor dealer or leasing company.

This insurance is not available to everyone.
Please refer to ‘Can I Buy It?’ below.

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It’s a fact.

Alloy Wheels are key focal points of any vehicle and are extremely susceptible to accidental damage caused by road debris or ‘kerbing’ whilst parking. Scuffed Alloy Wheels can adversely impact on the resale value of a vehicle and in some cases can affect the overall balancing of the wheel and tyre.

Alloy Wheel DamageOur Alloy Wheel Insurance is available to motorists who wish to maintain the cosmetic appearance and protect the value of their vehicle without impacting greatly on their personal budget when damage occurs.

With three periods of cover to choose from, Alloy Wheel Insurance will pay up to £100.00 per repair and will provide up to three repairs per year. An excess of £10 per claim is payable. The insurers current approved alloy wheel refurbisher is an organisation called ‘Revive’, designated as an Approved Centre by the Institute of the Motor Industry (IMI) Awards. You can learn more about ‘Revive’ by visiting their web site at https://revive-uk.com/

Please be aware;

Chrome Effect, Split Rim and Diamond Cut alloy wheels are not covered by this insurance. If you are unsure about your alloy wheel type – please consult the dealership that supplied your vehicle. If cover is later cancelled by you, us, or the insurer due to ineligibility – the sum of £20.00 will be deducted from the refunded premium to cover costs.

Example

Whilst parking in town, John reverses into a space and accidentally hits the kerbstone with his rear alloy wheel. When John finished parking he saw that he had damaged the rim of his alloy wheel.

Later that day John referred to his Alloy Wheel Insurance policy and as the claims process suggested, John took a digital photograph of the damage. John called the insurers claims team and made his claim. The claims team asked John to email the photograph and they agreed it did appear to be cosmetically repairable and was likely to be a valid claim. John paid his £10 excess knowing that this would be returned if the repair did not proceed.

The claims team arranged for their approved alloy wheel refurbisher’s to call John to arrange to assess the damage and carry out a repair at his home or place of work.

The refurbisher arrived as arranged and reported to the claims team that this was indeed a valid claim and repairable damage. The repair was authorised and completed in quick time to Johns satisfaction.

John was delighted that he made the decision to protect against damage of this kind and that what could have been an expensive repair without insurance has only cost him a £10 excess.

Due to the high risk nature of this type of insurance and the 30 day period in which it can be purchased, claims cannot be made within the first 14 days of cover and this period commences from date of policy purchase.

Why not combine it with Tyre Insurance and or SMART Insurance?.

Alloy Wheel Insurance helps retain the visual appeal and value of your vehicle. Scratch and Dent Insurance will do the same and will pay for minor cosmetic damage to your vehicle bodywork. Please see terms and conditions for more information.

Buy Gap Insurance at the same time and receive 10% off your Gap Insurance premium.

If you are considering purchasing Alloy Wheel Insurance and Gap Insurance or indeed any other product with Gap Insurance – we will be delighted to reduce your Gap Insurance premium by 10%.

So, do you need Alloy Wheel Insurance it and is it a worthwhile investment and good value? – That is for you to decide, but if you are a proud owner or simply one that wishes to protect the value of their investment – then our Alloy & Tyre and SMART & Alloy wheel insurances could be well worth considering.

We know you will not find a better Alloy Wheel Insurance product*

  • All alloy wheel sizes are covered (diamond cut, chrome effect and split rim alloys are excluded from cover),
  • Refurbishments carried out by motor industry (IMI) award winning organisation,
  • Covers incidents in mainland Great Britain,
  • Repairs carried out at your home or place of work,
  • Up to three claims per year,
  • Minimal excess of £10 per claim,
  • Up to £100.00 paid per claim,
  • Where an alloy wheel is damaged and requires replacement, this policy will pay up to £100 toward a replacement wheel,
  • Repairs covered by a 2 year guarantee,
  • Major ‘A’ rated underwriter with UK claims team,
  • 1-2 and 3 year periods of cover available, please be aware this cover is not extendable or renewable,
  • FREE policy amendments. No charge for changing address or registration number,
  • Provided you have not made a claim you may cancel your policy after the 30 day cooling off period and receive a pro rata refund of unused premium, less a £20 cancellation fee.

The above list represents some of the key benefit features, please refer to the full policy terms and conditions for greater detail.  Always read the Policy Terms and Conditions before buying anywhere!

* The policy Terms & Conditions and features apply to policies purchased from 1st February 2017, for  terms and features on policies purchased before the 1st February 2017 please refer to your original policy documents issued.

You can buy this cover if…

  • Your vehicle is under 7 years of age and less than 70,000 miles at the start of cover,
  • Cover is purchased within 30 days of vehicle purchase,
  • You reside in Mainland Britain,
  • You purchased your vehicle from a franchised motor dealer, either directly or via an internet broker, or leasing company,
  • Your vehicle invoice price did not exceed £125,000 at time of purchase,
  • Your vehicle is listed in the Glass’s Guide and principally used in the UK,
  • You are not buying this policy to make a claim on pre-existing alloy wheel damage,
  • You have read the eligibility and policy Terms & Conditions. Please view the Alloy Wheel Insurance Policy Document.

You can’t buy this cover if…

  • Your alloys are diamond cut, chrome effect or split rim alloys as these are excluded from cover,
  • You reside outside Mainland Britain,
  • Your vehicle has been modified, unless with our prior authorisation,
  • Your vehicle is used for competition, road racing, pace making or off road use,
  • Your vehicle is used as an emergency service vehicle, heavy goods vehicle or mini-buses over 19 seats,
  • Vehicles over 3500kg gross weight.
  • The following vehicles are not covered; Taxi’s, Driving School Tuition Vehicles, Minicabs, any vehicle not listed in UK Glasses Guide or over 3500kg GVW and kit cars.
  • You are purchasing cover to claim for pre-existing damage,
  • You are using the vehicle for business use other than travel to and from a permanent place of work.

For full eligibility and policy Terms & Conditions please view the Alloy Wheel Insurance policy document.

We exceed expectations and have led our market for 10 years.

All insurances on this web site have been designed by us because we know the Alloy Wheel Insurance market.

Using our 40 years experience we worked with our insurer to eliminate the negatives aspects of many Alloy Wheel Insurance policies on the market, improve customer benefits and make our terms and conditions transparent, fair and simple to understand. We have reduced confusing ‘jargon’ to a minimum and we hope like thousands of others – you enjoy the result.

Please view the policy here.

You can open, download or print the policy Key Facts and Terms and Conditions booklet by clicking on the pdf document icon or link text below. The policy Key facts and our Initial Disclosure Document is also available for viewing or print here;

Comparer beware!

Whilst parking in town, John reverses into a space and accidentally hits the kerbstone with his rear alloy wheel. When John finished parking he saw that he had damaged the rim of his alloy wheel.

Later that day John referred to his Alloy Wheel Insurance policy and as the claims process suggested, John took a digital photograph of the damage. John called the insurers claims team and made his claim. The claims team asked John to email the photograph and they agreed it did appear to be cosmetically repairable and was likely to be a valid claim. John paid his £10 excess knowing that this would be returned if the repair did not proceed.

The claims team arranged for their approved alloy wheel refurbisher’s to call John to arrange to assess the damage and carry out a repair at his home or place of work.

The refurbisher arrived as arranged and reported to the claims team that this was indeed a valid claim and repairable damage. The repair was authorised and completed in quick time to Johns satisfaction.

John was delighted that he made the decision to protect against damage of this kind and that what could have been an expensive repair without insurance has only cost him a £10 excess.

* The policy Terms & Conditions and features apply to policies purchased from 1st February 2017, for  terms and features on policies purchased before the 1st February 2017 please refer to your original policy documents issued.

Significant Exclusions.

This policy does not cover….

    1. Some alloy wheels are not covered by this policy. They are Diamond Cut, Split Rim and Chrome Effect alloy wheels.
    2. You cannot make a claim in the first 14 days of the policy,
    3. There is an excess payable of £10 per claim,
    4. Alloy wheel insurance is not transferable to another person or vehicle or renewable.
    5. Policy holders who do NOT reside in Mainland Britain,
    6. You are using the vehicle for business use other than travel to and from a permanent place of work,
    7. Please refer to the full Policy Terms and Conditions for a list of the exclusions.

A £20 cancellation fee applies (beyond the 30 day cooling off period). Policies can only be cancelled where no claims have been made.

Please be aware we are not responsible for identifying and confirming the eligibility of your alloy wheels. If cover is purchased and subsequently cancelled due to ineligibility, we deduct £20.00 from your premium refund to cover costs in these cases.

Full policy Terms & Conditions can be viewed online here. If you have any questions regarding the policies we offer, we offer many ways to contact us, click here to contact us.

* The policy Terms & Conditions and features apply to policies purchased from 1st February 2017, for  terms and features on policies purchased before the 1st February 2017 please refer to your original policy documents issued.

For Your Peace of Mind

Read our testimonials

"Thank you for giving me a replacement gap cover insurance for my new car free of charge. After the hassle of having my car written off, this is a nice little bonus. Also the experience of claiming from your company was very pleasing and hassle free" Mr D Day, Kent, February 2016

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