Tyre & Alloy Wheel Insurance

We will not pay any claims in respect of:

a) More than 5 Alloy Wheel claims in any policy period

b) Where the damage of Your Alloy Wheels is deemed to be a manufacturing defect.

c) Theft of Alloy Wheels.

d) Cracked or buckled Alloy Wheel(s).

e) Alloy Wheels with split rim construction or with chrome effect finishes.

f) Non- standard or aftermarket Alloy Wheels.

g) Damage caused by driving whilst a tyre is deflated or because of tyre replacement.

h) Damage present on any Alloy Wheels prior to the start of this policy.

i) Any deliberate damage caused by You or any omission on Your part.

j) Failure of the Approved Repairer to match the cosmetic finish of any other Alloy Wheel on the Vehicle.

We will not pay any claims in respect of:

a) Wear and Tear, including any unevenly worn Tyres caused by defective steering geometry

b) Outside manufacturer’s recommended limits, or wheel balance; failure of a suspension component or shock absorber or which in the opinion of a qualified engineer was caused wholly or partly from a lack of maintenance e.g. incorrect Tyre pressure. More than 5 Tyre claims for Vehicles in the Period of Insurance Tyre(s) fitted to Vehicle

d) Which have been modified in any way from the manufacturer’s specification, or

e) Any Damage where the fault or Damage occurred before the inception of this insurance, or

f) Incurred due to the Vehicle being driven following the initial failure.

g) Caused by fire, any road traffic accident, or where the Vehicle is a total loss.

h) Where Damage is caused to any other part of the Vehicle by the same incident

i) Which is part of a road traffic accident or road risk insurance claim.

j) Loss of whatsoever nature arising directly or indirectly, in whole or in part, due to any act or omission which is wilful, unlawful or negligent on Your part.

k) Any malicious Damage claim, which is not accompanied by a valid and substantiated crime reference number.

l) Theft of the Tyre(s).

m) Any claim where at the time of Damage the Tyre tread depth is less than 2mm across the full tread area of the Tyre.

n) Manufacturing defects or faults including manufacturer’s recall.

o) Tyre(s), which are not ‘E’ Marked and any claim where there has been an attempt to remove the serial number or other identifying marks from the Tyre(s).

• Any alloy wheel or tyre damage which is not reported within thirty (30) days of the date of loss.
• Any amount in excess of the maximum limits shown in the policy schedule.
• Any claim relating to a tyre or alloy wheel that is not fitted to the vehicle or damage that was present at the start of the policy.
• Any alloy wheel which has a chrome finish or split rim construction.
• Any claim relating to a road traffic accident or as a result of fire, theft or flood.
• Any claim where the tyre tread depth does not comply with UK road traffic regulations at the date of loss.
• Any alloy wheel or tyre damage where the damage has been accumulated over an extended period, which is deemed to be wear and tear.
• Any damage to an alloy wheel showing evidence of rust or corrosion.
• Any claim for malicious damage that is not accompanied by a crime reference number.
• For consequential damage of any kind or any consequential loss, injury or damage.
• Any damage the occurs within 14 days of the Policy start date.

• Cover only applies where the accidental or malicious damage is a result of a sudden and unforeseen event.
• You must be resident in the United Kingdom, Channel Islands or the Isle of Man.
• You must have purchased the policy from the policy retailer no later than thirty (90) days after purchasing the vehicle.
• The vehicle must not be an emergency vehicle, commercial vehicle over 3.5t, taxi, courier vehicle, bus, minibus, coach, truck, motor home, trailer, heavy goods vehicle, licensed private hire vehicle, daily rental vehicle or breakdown and recovery vehicle.
• The vehicle must not be used for hire and reward, driving school tuition, chauffeuring, road racing, track days (timed or untimed), rallying, pace-making, speed testing or any other competitive event.
• The vehicle must not be older than seven (7) years or covered more than 100,000 miles at the start of the policy.
• You must provide two images per alloy/tyre, one showing the full alloy and side of the tyre and the other including the side panel of the Vehicle within fourteen (14)days of purchasing the policy.

This policy covers your Alloy Wheels for accidental scuffs and scrapes and any accidental or malicious damage to your tyres which causes them to deflate (so long as you have a crime reference number)

This policy is for vehicles that are a maximum of 7 years old and must have completed less than 100,000 miles at the start date of this policy. Your vehicle must also be registered in the United Kingdom, the Channel Islands or the Isle of Man. We recommend reading all the Ts and Cs before purchasing any kind of insurance – so make sure you have a read of these.

No, there is no excess to pay on this insurance cover.

You can make up to 5 claims per policy for your Alloy Wheels and make up to 5 claims over the policy term for your tyres.

SMART stands for “small to medium area repair technique and it repairs minor cosmetic damage and defects. If a cosmetic repair is not possible, we will give you £150 towards a replacement Alloy Wheel.

It is worth noting that SMART repair would not be able to repair structural damage including cracked, buckled or distorted wheels.

Yes we do! Other insurance companies don’t cover these; but we are happy to say that under this policy; your diamond cut alloys are covered.

In some cases, the damaged alloy may need to be removed and sent away for repair which can take up to 10 working days. If your car does not have a spare wheel you will need to use an alternative mode of transport and these costs are not covered by the policy.

Yes you can! You can purchase this insurance as a standalone product or alongside one of our other policies. We think it’s a good accompaniment to one of our GAP insurance policies.

You can buy a 1, 2 or 3 year Tyre and Alloy Wheel insurance policy too, so depending on how long you think you’ll have your car for – you are sorted.