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Tyre and Alloy Wheel Insurance from GapInsurance123 provides, in our view, one of the best value products of its type in the UK marketplace today. Here we tell you why.
Tyre and Alloy Wheel Insurance is a combined insurance policy that can provide a number of benefits for you.
Tyres - you can cover the costs of replacement tyres, or puncture repairs if you suffer accidental or malicious damage that would result in your tyre failing an MOT on safety grounds.
Alloy Wheels - you can cover the costs of repairing cosmetic damage to your alloy wheels following accidental damage, typically kerbing of the wheel when you park. If a repair is not possible then a contribution towards a replacement alloy wheel may be available.
Up to 5 claims for tyre replacements during the policy term.
Up to 5 claims for alloy wheel repairs or replacement contributions for the policy term.
Both Standard and Run Flat tyres are covered at the same premium prices.
Unlimited puncture repairs for damaged tyres.
NO EXCESS per claim.
NO WAITING PERIOD if you buy your policy before you take delivery/collection of your car.
Up to £300 per replacement tyre.
Up to £150 per alloy wheel repair - if repair is not possible with our approved repairer then a £150 contribution towards an alternative repair or a replacement alloy wheel is available.
Total claims aggregate for tyres a maximum of £1500 for the policy term.
Total claims aggregate for alloy wheels of £750 for the policy term.
Available for cars up to 1-year-old at the policy start date.
Available for cars bought within 30 days of the policy start date from a VAT-registered motor dealer.
Tyres on modern cars can be expensive to replace, and if you have a blowout or any other type of incident where the tyre needs replacing then this can come at the most inopportune moment.
Tyre safety is not something anyone should take a gamble with, and indeed can mean you are driving the vehicle illegally if you do not attend to the issue.
By insuring against this you can look to claim back the costs of the tyre replacement, in the case of GapInsurance123 branded cover, without any excess payment costs to you either.
Alloy wheels are a prominent styling feature of modern cars. There are very few vehicles with plastic wheel trims these days. Alloy Wheels are also generally bigger than they have ever been before.
All these factors mean it may be easier to damage an alloy wheel than ever before. This normally happens when you are trying to park your car and you clip the alloy wheel edge on the kerb stone, aka kerbing.
There are a couple of issues with this type of cosmetic damage. Firstly, it looks terrible! It can leave quite obvious visible damage that is easily caught by the eye. Secondly, it can cause the value of your car to decrease. If you look to part exchange the vehicle you may be offered less than the true value due to the damage to the alloy wheels. Also if you have your car on a lease, then when you come to hand back the vehicle you can find yourself hit with 'hand back' charges for the damage.
Alloy Wheel Insurance can help cover the costs of cosmetic repairs to your alloy wheels, keeping them in as pristine condition as possible.
Taking Tyre and alloy wheel insurance as a combined product will normally offer you much better value than buying tyre insurance and alloy wheel insurance separately. Insurers often reduce the underwriting costs when you spread the risk on cover across two different types of insurance.
However, in combining cover you are also protecting against damage to your tyres and alloy wheels, which can often suffer damage in the same incident.
If you were involved in a road traffic accident, and you incurred alloy wheel damage then could you claim on your own motor insurer for a repair or a replacement wheel?
The answer is that your own motor insurance company may well cover you for damage to your tyres or alloy wheels. However, why would you make claims on your comprehensive motor insurance policy for such a relatively minor financial claim? The impact could be you lose your no-claims bonus and you may see your next annual motor insurance premium increase because of this.
Also, you may have your own motor insurance companies excess to pay for any claim against your comprehensive cover. With our Tyre and alloy wheel insurance policy there is no excess to pay.
Insuring your tyres and alloy wheels against damage separately can save you in the long term as you can protect your motor insurance claim history.
Unlikely. Insurance policies in general can cover you against events that may happen but are not guaranteed. Wear and tear on your tyres, for example, is just a consequence of normal driving.
If you suffer accidental or malicious damage to your tyres or alloy wheels then these can normally be covered by these types of products.
If you suffer a puncture, blow out or some form of damage that would mean that your tyre would not pass an MOT, you can qualify for an eligible claim.
All tyre claims are made on a 'pay and claim' basis. This means you can take your car to any VAT-registered tyre specialist like Kwik Fit, National Tyres or Halfords Autocentre.
You can take advice from the tyre retailer as to whether the tyre can be repaired or if it needs to be replaced as it would not pass an MOT on safety grounds.
Whatever the course of action, a puncture repair for a flat tyre or a tyre replacement, you can go ahead with that process and you must pay the invoice yourself.
Ask the tyre technician to take photographs on your mobile phone, showing the damage. Also, ask them to note the tyre tread depth on the invoice for the work.
Call the claims team (details on your policy documents) to lodge your claim. The claims team can process your payment for any eligible claim.
If you suffer alloy wheel damage following a kerbing incident or hitting a pothole, for example, then you can make a claim to cover the alloy wheel repair costs.
Before you call the claims team to lodge your claim, please take some photographs of the damage on your mobile phone. The claims team may ask for these to assess your claim.
Call the claims team to lodge your claim. Once the claim has been assessed as eligible the claims team will assist in making an appointment with an approved repairer.
The repairer will provide a mobile service. This means they will come to your home, or place of work, in order to make the repair.
IMPORTANT - you must be able to provide a safe environment for the mobile repairer to complete the repair work. A driveway or works car park is ideal for this. They may also need a source of power so they can plug in any equipment that may be necessary.
Repairing an alloy wheel at the side of a road is not permitted on health and safety grounds.
If a mobile repair is not suitable, or the wheel is not repairable then the insurer can grant a contribution of up to £150 towards the cost of an alternative repair, or as a contribution towards a replacement alloy wheel.
An alternative repair could be where you have a diamond-cut alloy wheel, and the repair process requires a full lathe skim. A mobile repairer may not have this facility available to them. In this case, you could source your own repair from a unit-based company close to your home.
For any contributions to be made this must first be agreed upon with the claims team and an invoice for the work carried out must be supplied as part of your claim for your alloy wheel repair insurance.
Please check the policy terms and conditions and Insurance Product Information Document for a comprehensive list of exclusions, but here are a few of the more common ones.
You have a maximum of 5 claims for replacement tyres for the full duration of the policy. Any further claims would be excluded.
There is a maximum replacement cost of £300 per tyre and a total claims aggregate of £1500 (both figures including VAT). Once this monetary limit has been reached then no further claims can be made.
Unlimited claims for puncture repairs can be made, but please bear in mind the cost of the repairs does count towards your maximum £1500 tyre claims aggregate.
Where the tread depth on your tyres is below 2mm.
Damage to your tyres that would still pass an MOT. Tyre damage can only be claimed where the safety of the tyre is compromised such that it would not pass an MOT. For example, if you graze the sidewall of the tyre, but it would still pass an MOT, then this is cosmetic damage only and this would not be covered on your tyre insurance.
Damage to the tyre that happened before the policy started. For example, you cannot suffer tyre damage and then buy tyre and alloy wheel insurance to claim for that damage.
Pre-existing damage. If your car's wheels are already damaged prior to you buying the tyre and alloy insurance cover then any claim for this damage will not be processed.
Where minor cosmetic damage occurs to alloys that have a chrome effect finish
Where the alloy wheel is of split rim construction
You are allowed a maximum of 5 alloy wheel claims for the duration of the policy term. These 5 claims may be for repair/refurbishment or a contribution towards the replacement cost of the alloy wheel if a repair is not possible.
The total aggregate costs of alloy wheel repairs exceed £750 including VAT
Where a single alloy wheel repair exceeds the maximum claim limit of £150 including VAT. A maximum of £150 including VAT can be paid, any amount more than that must be paid by the policyholder.
Non-standard or aftermarket alloy wheels. The alloy wheels must be the original alloys fitted to the car when new by the manufacturer.
Our combined Tyre and Alloy Wheel Insurance policy is underwritten by UK-based insurer Financial & Legal Insurance Company Ltd.
Claims for the tyre and alloy insurance are processed, on behalf of the insurer, By Lexelle Ltd. Lexelle is a specialist claims management company based in Sheffield.
Aequitas Automotive Ltd, a UK-based insurance broker, trading as GapInsurance123.co.uk is authorised and regulated by the Financial Conduct Authority (FRN 821163).
The policy is underwritten by Financial & Legal Insurance Company Ltd, a UK-based insurer authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
The policy is also covered by the Financial Ombudsmen Service and the Financial Services Compensation Scheme in the UK.
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