Alloy Wheel Insurance

Nothing is more frustrating than curbing an alloy wheel. Our alloy insurance protects against unexpected damage so your customers can keep their vehicle looking showroom fresh.

Did you know almost all vehicles suffer some form of alloy wheel damage

4 things to consider

1 > If you claim on your motor insurance for alloy wheel damage, your renewal premium may increase

2 > If you claim on your motor insurance for alloy wheel damage, you could lose your no claims bonus

3 > If you claim on your motor insurance for alloy wheel damage, the excess may be more than the cost of repair

4 > If you finance using PCP or Contract Hire, on return, you are likely to be charged for alloy wheel damage

If your car is fitted with alloy wheels, you will appreciate the detail and beauty of their design. Unfortunately there are occasions, normally when parking in a tight spot, where the wheel and kerb come together. These minor skirmishes shouldn't take the shine off your car and Alloy Wheel Repair Insurance could help to maintain your car's appearance for longer.

How it works

Kerbing a wheel or hitting a pothole is a common occurrence and an unexpected expense. With our market-leading alloy Wheel Insurance in place, you can now keep your alloy wheels in pristine condition and be safe in the knowledge your damaged wheel has been safety checked and lovingly repaired.

Claiming and arranging a repair could not be easier. Simply take a few digital images, email them to our insurer's claims team - and arrangements will be made for a repair to be completed at your home or place of work. No loss of vehicle use inconvenience (unless your wheel needs to be sent away for a specialist repair) and no excess to pay!

What is insured?

Provided your vehicle:

Is eight years old or under and has covered less than 80,000 miles at the start date of the policy;

Then during the period of insurance, we will pay for the cost of repairs resulting from accidental or malicious damage which has occurred to your alloy wheels up to the claim limit shown in the Validation Certificate.

In the event your alloy wheel is damaged beyond a point whereby a reasonable cosmetic repair can be carried out then the policy provides two options:

1) If the damage to the alloy wheel is such that a lathe skim repair can be carried out, then the policy will contribute a maximum amount of £110 including VAT towards allowing you to have this repaired locally at your choice;

2) If the damage to the alloy wheel is such that no kind of repair can be carried out, the policy will contribute a maximum amount of £150 including VAT towards the replacement of the alloy wheel.

Both options will count as 1 claim under your policy.

What is not insured?

x Alloy wheels that are aftermarket fitment or not of the original specification for the vehicle.

x General wear and tear, corrosion, pitting, discolouration, tar staining, neglect or cracked or buckled wheels.

x Theft of the alloy wheel(s).

x Damage present on an alloy wheel prior to the commencement of the policy.

x Alloy wheel(s) of split rim construction, with a machine polished (chrome effect) finish, or with a recessed, rebated or raised profile to the rim section. Plastic trims attached to the alloy wheel are also excluded (and must be removed prior to any repair to any covered alloy wheel).

x Damage caused by driving the vehicle while the tyre is deflated; or a replacement tyre being fitted to the alloy wheel.

x Any claim which is the subject of fraud, false actions or dishonesty; where the loss is covered by any other insurance; or where it is discovered that the policy was purchased more than 30 days following the original purchase date of the vehicle.

Terms and Conditions
This insurance is underwritten by Motors Insurance Company Limited which is registered in the UK. Motors Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Financial Services Register number: 202875.
Full terms and conditions of the policy are provided in the policy document. Please take time to read this policy document to make sure you understand the cover it provides.