Tyre Insurance

Tyre Insurance is designed to help with the cost of repairing or replacing tyres that suffer eligible accidental or malicious damage.

Cover can apply to tyres, including winter tyres, provided they are fitted to the insured vehicle, match the manufacturer’s original specification and meet legal requirements.

Tyre Insurance is available for passenger cars, light four-wheel commercial vehicles and motorhomes under 3,500kg GVW.

The policy covers up to 5 claims per year, starting from the policy inception date.

Tyre repairs or replacements can be expensive, especially if your vehicle requires specialist, larger or high-performance tyres.

Sura Tyre Insurance helps reduce the impact of unexpected tyre damage by contributing towards the cost of eligible tyre repairs or replacements.

With up to 5 claims per year, the policy gives you a simple way to manage unexpected tyre costs and keep your vehicle road-ready, subject to the policy terms, limits and exclusions.

Standard motor insurance may not cover tyre damage in the way you expect. Damage such as punctures, cuts or bursts may not be covered, and you may also find that some tyre-related claims are not practical to make through your main motor insurance policy.

Sura Tyre Insurance gives you a simpler way to manage unexpected tyre repair or replacement costs.

It can help contribute towards eligible tyre claims, giving you added peace of mind if your tyres suffer accidental or malicious damage, subject to the policy terms, limits and exclusions.

No. GAP Insurance and Tyre 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 Insurance is designed to help with the cost of eligible tyre repairs or replacements if your tyres suffer accidental or malicious damage.

If the damage is limited to your tyres, Tyre Insurance may be the more appropriate type of cover.

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

No. Tyre Insurance is available for vehicles up to 10 years old, provided the vehicle meets the policy eligibility criteria.

Your vehicle must also have covered no more than 100,000 miles at the time you buy the policy.

Please check the policy wording for full eligibility details, exclusions and cover limits.

Yes. Whether you purchased your car outright or via a finance agreement, our Tyre Insurance cover is available to you.

Yes. If your tyres suffer eligible damage from an incident that was your fault, you can still make a claim under your Tyre Insurance.

However, cover will not apply if the driver was under the influence of alcohol or non-prescription drugs, involved in illegal activity, or if the claim relates to fraud or wilful negligence.

As with all insurance policies, exclusions and conditions apply, so please read your policy documents carefully for the full terms and conditions.

Yes, others are covered by your car’s Tyre Insurance as long as they are a named driver on your comprehensive motor insurance.

Yes, run flat tyres are included under the Tyre Insurance policy, provided this is noted on your policy schedule.

Yes, your Tyre Insurance policy will cover malicious damage to tyres provided that a police report is available.

When making a claim your claim handler will be able to share with you our approved retailers.

Tyre Insurance can be purchased at any time, however may be required to submit photos evidencing the current condition of your tyres.

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 car’s Tyre Insurance period, no claim will be accepted.

Your Tyre Insurance policy documents together with confirmation of payment are sent by email as soon as you make the payment. You may also view your policy documents by logging in to your online account.

If your tyres become damaged and need repairing or replacing, you can call the administrators claims number on 0114 321 9877.

This policy will allow up to 5 claims per year. Please see your policy documentation for further claim limit details.

No, a claim on this policy will have no impact on your standard motor insurance.

A £10 call-out-charge is payable when claiming on this policy. This helps us reduce fraud and keep premiums down for our customers.

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

For example, the policy will not cover damage that is not classed as accidental or malicious, damage that happened before your cover started, or damage caused by normal wear and tear.

It also does not cover issues caused by faulty tyre design or manufacture, road traffic accidents, including where the vehicle is written off, or problems linked to poor maintenance or incorrect setup. This includes things such as incorrect tyre pressure, wheel misalignment, wheel imbalance, or defective steering or suspension.

Tyres without an “E” mark are not covered, and the policy does not cover theft of tyres.

A claim may also be declined or reduced if you have reached the policy claim limit, do not pay the £10 excess per repair where required, or where the damage is the responsibility of someone else, such as a third party whose motor insurance should cover the incident.

You must get approval before any repair work is carried out. Damage must be reported within 30 days, and repairs must be completed within the covered territories, which are UK mainland, Jersey and Guernsey.

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

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 efficient and focusing on a high-volume online model, 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 approach to reduce unnecessary costs and focus on delivering 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 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 no longer want your Tyre Insurance policy, you are able to cancel. We offer a 30-day grace period (more than twice the legal requirement of 14 days) within which you will be entitled to a full refund. After those 30 days, you’ll be charged a £35 cancellation fee and will be refunded on a pro rata basis, provided no claims have been made.