Alloy wheel insurance explained
Alloy wheel insurance is a separate policy that pays towards repairing cosmetic damage such as kerb rash, scuffs and scratches. It is worth buying if you park on the street and your wheels are expensive to refinish, and not worth it if the excess and exclusions eat most of the benefit.
What it usually covers
Most policies cover cosmetic damage to the face and rim edge of the wheel. Some bundles add tyre cover for punctures and sidewall damage. The policy wording defines what counts as cosmetic, so read that definition first. Exclusions differ between providers, so treat this as a checklist of questions to ask.
Quick answers
Is alloy wheel insurance worth it?
It suits drivers who park on the street and own wheels that are costly to refinish. Compare the premium and excess with a photo quote for your own wheels before deciding.
Does alloy wheel insurance cover cracked or bent wheels?
Often it does not, because policies focus on cosmetic damage. Read the structural damage clause, and ask the provider before you rely on it.
Can I claim on car insurance for kerb rash?
You can ask, but the excess may take up most of a small repair and a claim may affect your no-claims bonus. Check your policy and speak to your insurer before you decide.
How do I get a quote for an insured repair?
Send us photos of the damage along with your claim details. We reply within 24 hours with what the repair involves.
Contact
Get a free photo quote
Phone
020 7060 3666
WhatsApp
+447512308716
Address
Unit 1, 38 Crown Road
Enfield
EN1 1TH
Enfield
EN1 1TH