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Tyre and Alloy Wheel Insurance
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.
What is Tyre and Alloy Wheel Insurance?
Tyre and Alloy Wheel Insurance is a combined insurance policy.
- 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. (This is not a maintenance package, so if your Tyre wears out, you would need to buy another.)
- Alloy Wheels—You can cover the costs of repairing cosmetic damage to your alloy wheels following accidental damage, typically kerbing the wheel when you park. If a repair is not possible, then a contribution towards a replacement alloy wheel may be available.
Key Features of Tyre and Alloy Wheel Insurance from GapInsurance123
- You can make up to 4 claims for tyre replacements or puncture repairs per year.
- You can make up to 4 claims for alloy wheel repairs per year.
- Standard, Low profile and self-healing tyres are covered, as well as Runflat.
- Up to £50 per puncture repair for damaged tyres.
- There is no excess to pay when making a claim.
- There is no waiting period if you buy a brand new vehicle and take out your policy before you take delivery or collection of your car.
- Up to £350 per replacement tyre.
- Up to £250 per alloy wheel repair- if a mobile repair to your alloy wheel is not possible, with the claims team's approval, you can nominate your local repairer and claim it is not possible with our approved repairer. Then, a £150 contribution towards an alternative repair or a replacement alloy wheel is available.
- Available for cars up to 8 years old at the policy start date.
- Available for cars bought within 30 days of the policy start date from a VAT-registered motor dealer.
Why buy Tyre and alloy wheel Insurance to protect your tyres?
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, this can come at the most inopportune moment. Tyre safety is not something anyone should gamble with, and failing to address the issue can result in driving the vehicle illegally.
By insuring against this, with a tyre and ally wheel insurance policy, you can claim back the costs of the tyre replacement without any excess payment costs to you.
Why buy Tyre and Alloy Wheel insurance to protect Alloy Wheels?
Alloy wheels are a prominent styling feature of modern cars. Very few vehicles have plastic wheel trims these days, and Alloy Wheels are generally bigger than they have ever been. 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, you can find yourself hit with 'hand back' charges for the damage when you come to hand back the vehicle.
A Tyre and Alloy Wheel Insurance can help cover the costs of cosmetic repairs to your alloy wheels, keeping them in as pristine condition as possible.
Why buy Tyre and Alloy Insurance together?
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 they spread the risk on cover across two different types of insurance.
However, by combining cover, you are also protecting against damage to your tyres and alloy wheels, which can often be damaged in the same incident.
Can my own motor insurance cover damage to tyres and alloy wheels?
If you were involved in a road traffic accident and your alloy wheels were damaged, could you claim on your own motor insurer for a repair or a replacement wheel?
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? You may lose your no-claims bonus, and your next annual motor insurance premium may increase.
Also, you may have your own motor insurance company's excess to pay for any claim against your comprehensive coverage. 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 money in the long term, as it can protect your motor insurance claim history.
Does a Tyre and Alloy Wheel policy cover you against normal wear and tear?
Unlikely. Insurance policies 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, these products can normally cover the cost.
How to make Tyre and Alloy Wheel Insurance claim
Make a claim for a tyre
If you suffer a puncture, blowout, or other damage that would prevent your Tyre from passing 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, Halfords Autocentre, or any other Tyre specialist you are happy to use.
You can ask the tyre retailer whether it can be repaired or 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 of the damage on your mobile phone. 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.
Make a claim for an Alloy Wheel Repair
If you suffer alloy wheel damage following a kerbing incident or hitting a pothole, for example, then you can 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 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 necessary equipment . 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, you can use your own local repairer with the claims team's authority. You would have to pay the invoice up to £250 and then send it to the claims team for a refund.
If your alloy wheel was damaged beyond repair, e.g., cracked, the insurer can grant a cash contribution of up to £150.
What types of alloy wheels will your policy cover?
- Diamond cut alloy wheels
- Painted Alloy wheels
- Lazer cut alloy wheels
Exclusions on your alloy wheel and tyre 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.
Tyre and alloy wheel Insurance terms and conditions Tyre and Alloy wheel Insurance IPID's ( key facts )
Tyre Insurance exclusions
What will your tyre and alloy wheel insurance policy not cover concerning a tyre claim?
- 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 still passes an MOT, then this would be classed as cosmetic damage only, and your tyre insurance would not cover this.
- 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.
Alloy Insurance exclusions
What will your tyre and alloy wheel Insurance policy not cover concerning an alloy claim?
- Pre-existing damage. If your car's wheels were already damaged before you bought 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
- Any vehicle used for hire and reward
- Any claim made after the policy has expired.
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Easy straight forward and good value.
Really easy to understand, good value, simple to set up
Very impressed with the help I received over the phone from **** explained my options very clearly and guided me through the process of applying for cover. I've used GapInsurance123 before and am very happy to do so again!
Nice and easy
Amazing & easy
Always easy to do business with and staff are very helpful and efficient
Thank you Jackie for your help. Highly appreciated for great service...!
Quick simple process, appreciate note about 12 month vehicle replacement may be covered on my insurance already, it was.
I called to clarify a couple of things before purchasing and spoke to a lady called Jackie, very pleasant and extremely helpful. I wouldn't hesitate to recommend GAP 123.
Great service, very friendly call handler
easy site to used very pleased with price
VERY EASY TO USE AND COMPLETE. EXCELLANT PRICE HIGHLY RECOMMEND.
Very quick an easy, but the only slight disappointment is that is no where to get your existing customer discount on the web site. You have to phone for that and if you need the cover to start at the weekend you miss out. Shame.
good
Really easy to understand and follow.
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