Combined Tyre & Alloy Insurance

Tyre & Alloy Insurance helps cover the cost of parts and labour if your tyres or alloy wheels suffer eligible accidental or malicious damage.

The policy provides cover for up to 4 alloy wheel claims and 4 tyre claims for each year of cover, helping you manage the cost of unexpected tyre and wheel repairs.

Even small tyre or alloy wheel damage can be costly to put right. If left unrepaired, damage to a tyre or wheel could also affect the safety, appearance or performance of your vehicle.

Sura Tyre & Alloy Insurance helps cover the cost of eligible repairs following accidental or malicious damage, subject to the policy terms, limits and exclusions.

It gives you a simple way to manage unexpected tyre and alloy repair costs, helping keep your vehicle safe, smart and road-ready.

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

Tyre damage, such as punctures, cuts or bursts, may also not be covered by standard motor insurance in the way you might expect.

Sura Tyre & Alloy Insurance gives you a simpler way to deal with eligible tyre and alloy wheel damage, helping you manage repair or replacement 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 Tyre & Alloy 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.

Tyre & Alloy Insurance is designed for eligible damage to your tyres or alloy wheels, such as accidental or malicious damage.

Tyre & Alloy Insurance can only be purchased alongside a GAP Insurance policy.

No, you can take out Tyre and Alloy Insurance provided your vehicle is not over ten years old and has not done more than 100,000 miles. For a full list of exclusions, please refer to your policy wording.

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

Yes, your Tyre and Alloy Insurance policy will cover malicious damage provided a police report is available.

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

We aim to make buying cover simple and straightforward.

You can get a Tyre & Alloy Insurance quote online in just a few steps. Simply choose your preferred policy term of 1, 2 or 3 years, select your claim limit and enter the required vehicle details.

Our online quote journey will show the cover available, so you can review your options before deciding whether the policy is right for you.

If you would prefer to speak to us, our team can guide you through the process, explain the cover and answer any questions you may have.

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

Your Tyre and Alloy Insurance documents, together with confirmation of payment, are sent by email as soon as you make the purchase. You may also access your documents through your online account.

If your alloys or tyres become damaged, call the claims handler on 0114 321 9878  within 30 days. Your handler will then tell you what you need to do to submit your claim. They may ask for photographs as supporting evidence. If the damage is malicious you will need to obtain a crime reference number from the police.

No, rest assured that claiming 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.

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

For example, the policy does not cover wear and tear, or damage relating to a tyre or wheel that was fitted after the policy started.

It also does not cover claims arising from a road traffic accident, fire, theft or flood. Claims will also not be paid where the tyre tread does not meet UK legal requirements.

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 split-rim construction.

Sura is an online insurance provider, which helps us keep our operating costs lower than many traditional sales channels, such as motor dealers.

By keeping our process simple and efficient, we aim to offer quality cover at a competitive price.

A lower price does not mean a lower-quality policy. It means we have designed our online journey to reduce unnecessary costs and focus on providing fair value for customers.

As always, you should check the policy wording, cover limits and exclusions to make sure the product is right for you before buying.

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.

If you sell your vehicle during the policy term, you may be able to transfer the remaining benefit of your Tyre & Alloy Insurance.

If the vehicle is sold privately, you may be able to transfer the policy to the new owner. This does not apply if the vehicle is sold through a garage, motor trader, auctioneer or similar business.

A £35 administration fee applies to this type of transfer. The transfer is subject to approval by the administrator, and the fee will be refunded if the transfer is not accepted.

You may also be able to transfer the remaining cover to an eligible replacement vehicle, subject to the administrator’s agreement. The first vehicle transfer is free of charge. Any further transfers will be subject to a £35 transfer fee.

You may need to provide evidence that the replacement vehicle is free from damage before the transfer can be accepted.

If the replacement vehicle does not meet the policy eligibility requirements, 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 you sell 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.