Tyre and Alloy Wheel insurance For Private Vehicles

Also known as Tyre and Alloy Cover or Alloy Wheel and Tyre Insurance, it provides a payment to you to help cover the cost of damage to your tyres or alloy wheels.

You pay the first £:;15 of each claim.

You can claim up to £:;150 per alloy repair or replacement and up to three alloy claims in any one period of insurance. For tyres, you can claim for up to three tyres within the period of insurance for cars and vans, while for motorcycles, it’s a max of two tyre claims within the period of insurance. There’s no specific limit on the cost of the tyre repair or replacement. However, the total you can claim in any policy period is £:;1,500.

No, the policy only covers the cost of the repairs themselves. For roadside assistance and tow trucks, we offer breakdown insurance separately, find out more here.

No, we only cover the alloy wheels that came with the car when it was new.

Yes, as long as the tyres fitted to the vehicle are both 'E' marked and based on the manufacturer's specifications, we cover both standard and run-flat tyres.

We don't offer cover for tyres used for competition, including track days, racing, pace making, hire or reward, or off-road use (including all quad bikes). Tyres used for driving school, transportation of goods, delivery courier, public service vehicles or designed to carry more than eight people, including the driver, are also not covered.

Yes, as long as it’s in line with the policy coverage, i.e. the types of damage we cover, and up the terms of the policy limit, which is up to £:;150 per alloy wheel replacement or repair. There’s no set limit for the cost of tyres, but for all claims, there’s a maximum of £:;1,500 per policy year.

Unfortunately, our policy doesn’t cover theft, or damage caused by a road traffic accident, but there’s a reasonable chance your standard motor insurance policy does, so do check.

One way to help you decide is to take a look at how much it costs to repair or replace tyres and alloy wheels. New tyres can cost from about £:;50 to £:;200 for standard tyres or up to £:;1,200 for premium tyres – the kind you might find on sports cars. Repairs to alloy wheels typically cost from about £:;50 to £:;150 (see: https://www.checkatrade.com/blog/cost-guides/alloy-wheel-refurbishment-cost/). Most alloys can be repaired, while in most cases, tyres have to be replaced. But if your alloys do need to be replaced, you’re covered for that, too, up to £:;150 per alloy.

You can save money by locking into a longer policy term - the longer the policy, the cheaper it costs per year. Plus, if you annually renew, the price may have increased by the time your policy is due for renewal.

You'd need to check the terms and conditions of your motor insurance policy to be sure. Some include it, some don't.

You need to check the terms and conditions of your motor insurance policy, to find out your motor insurer's rules around this.