Alloy Wheel Insurance

Alloy Wheel Insurance helps cover the cost of parts and labour needed to repair eligible accidental damage to the painted finish of your alloy wheels.

If an alloy wheel is damaged beyond repair, the policy may contribute towards the cost of a replacement wheel, subject to the claim limits, exclusions and conditions shown in your policy schedule and policy wording.

Even small alloy wheel damage can be expensive to repair. If left unrepaired, scuffs, scrapes or chips to the painted finish may also become more noticeable over time and could affect the overall appearance of your vehicle.

Sura Alloy Wheel Insurance helps cover the cost of eligible accidental damage to your alloy wheels, subject to the policy terms, limits and exclusions.

It gives you a simple way to manage unexpected alloy wheel repair costs and help keep your vehicle looking smart.

Your standard motor insurance may cover some types of cosmetic damage, but it is not always the most practical option for smaller alloy wheel repairs.

In many cases, the cost of repairing minor alloy wheel damage may be less than your motor insurance excess, meaning a claim may not be worthwhile.

Sura Alloy Wheel Insurance gives you a simpler way to deal with eligible alloy wheel damage, helping you manage repair costs without relying on your main motor insurance policy.

It can also help you avoid unnecessary claims on your standard motor insurance, reducing the risk of affecting your No Claims Bonus for relatively minor damage.

No. GAP Insurance and Alloy Wheel Insurance are separate products designed for different situations.

GAP Insurance is designed to help if your vehicle is written off or stolen and declared a total loss. Depending on the type of GAP cover you choose, it can help cover the difference between your motor insurer’s settlement and either the amount you originally paid for the vehicle or the amount still owed to your finance company.

Alloy Wheel Insurance is designed for eligible accidental damage to your alloy wheels, such as scuffs, scrapes or damage to the painted finish.

If the damage is limited to your alloy wheels, Alloy Wheel Insurance may be the more appropriate type of cover.

Yes, this policy can be purchased standalone or in conjunction with Gap Insurance.

Yes, non-standard alloys must be declared to your fully comprehensive motor insurer, and they can cause the cost of your premium to go up.

Yes. Upgrading, changing or repainting your alloy wheels could affect the cost of your cover, or whether the wheels are eligible under the policy.

Modified or upgraded alloys may be treated differently by insurers, particularly where they are higher value than the vehicle’s original wheels.

You should make sure any alloy wheel changes are declared before buying cover, and check the policy wording for full eligibility details, exclusions and conditions.

No, you can take out alloy insurance at any time provided your car is not over ten years old and has not done more than 100,000 miles. For a full list of exclusions, please refer to the policy wording.

Yes. If eligible damage to your alloy wheels happens as a result of an incident that was your fault, you can still make a claim under your Alloy Wheel Insurance.

However, cover will not apply where the damage is caused by fraud, dishonesty or false actions.

As with all insurance policies, exclusions and limits apply, so please check your policy wording for the full details.

Up to ten years old when you take out the policy. Your car must also have covered fewer than 100,000 miles at this time.

Yes, as long as the individual is a named driver on your comprehensive motor insurance policy.

Our new Alloy Wheel Insurance can be purchased at any time provided your vehicle is under ten years old and 100,000 miles. You will be required to submit photos of the current condition of your vehicle upon purchase.

The policy should always be in the name of the owner / hirer or registered keeper of the vehicle.

Yes, for the first 14 days of your alloy insurance, no claim will be accepted.

Your Alloy Wheel Insurance documents, together with confirmation of payment, are sent by email as soon as you make the purchase.

If your alloys become damaged, call the administrator on 0114 321 9877 within 30 days. You’ll be asked to provide various pieces of information, such as your policy number, vehicle registration and the nature of the damage. There may also be instances where you are required to supply photographic evidence to support your claim. If your claim is authorised, the administrator will organise an approved repairer to carry out the work.

No, rest assured that claiming for damage to your alloys with this form of cover will not affect your motor insurance policy.

Yes, a £10 excess is payable on all Alloy Wheel claims. This helps us reduce the risk of fraud which keep the cost of our policies down for the rest of our customers.

There are some situations where your Alloy Wheel Insurance will not provide cover.

For example, the policy does not cover split-rim alloy wheels. It also does not cover damage reported within the first 14 days of buying the policy.

General wear and tear, theft, and damage caused by driving while a tyre is deflated are also not covered.

These are only examples of policy exclusions. Please check the policy wording for the full list of exclusions, limits and conditions that apply.

Yes - alloy wheels with a chrome-effect finish or of split-rim construction.

The insurer of this policy is Helvetia Global Solutions Ltd, UK Branch. Establishment number: BR024650. Helvetia Global Solutions Ltd is authorised and regulated by the Liechtenstein Financial Market Authority, Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Registered on the Financial Services Register under the firm reference number 454140.

The policy is administered by Spectrum Insurance Services Limited who will provide administrative services on our behalf. Spectrum Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 309230). This information can be checked by visiting the Financial Conduct Authority’s website. Spectrum Insurance Services Limited is registered in England: under company number 05129413.

This policy is only valid within the UK Mainland and Northern Ireland only.

If you sell your vehicle during the policy term, you may transfer the benefits of your alloy insurance to the new owner of your vehicle, provided that you sell your vehicle privately and not through a garage, motor trader, auctioneers or similar company.

The transfer will be subject to a £35 administration fee. The transfer will be subject to the administrator’s approval and the fee will be returned in the event of non-acceptance.

Additionally, if you sell your vehicle, you may transfer the remaining cover to your eligible replacement vehicle, subject to the administrator’s agreement.  The first transfer is free of charge, subsequent transfers will be subject to a transfer fee of £35. Proof that the vehicle is free from damage may be required prior to acceptance of any transfer. If the new vehicle does not meet the eligibility requirements of this insurance, the transfer will be declined and any transfer fee paid will be refunded. All transfer requests must be made within 30 days of the date of sale of your vehicle.

Should you decide that you no longer want or require your Alloy Wheel & Tyre Insurance, you can cancel within a 30-day grace period (more than twice the legal obligation of 14 days) and receive a full refund. If those 30 days have elapsed, you will be refunded on a pro rata basis, minus a £35 cancellation fee.