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Alloy Wheel Insurance from Total Loss Gap.


Why Alloy Wheel Insurance for your car, and what makes Total Loss Gap the logical choice to protect your alloys?


What is Alloy Wheel Insurance?  Alloy Wheel Insurance from Total Loss Gap can cover the cost of cosmetic repairs to car alloys.


We all know how easy it is to scuff an alloy wheel accidentally and how frustrating that can be.


Scuffs can be annoying and have a detrimental effect on the resale value of your vehicle. Further damage to untreated scrapes can occur where water ingress leads to corrosion and could even damage the integrity of your wheel, making it unsafe to use. Repair bills can be expensive and unexpected. The great news is that you can buy alloy wheel insurance to cover the cost of cosmetic repairs. 


  Your Total Loss Alloy Wheel Insurance Policy Covers vehicles with up to 22 inch wheels  You can buy up to 4 years alloy wheel insurance


Key Features for Alloy Wheel Insurance from Total Loss Gap

  • Choose either 2 or 4 claims per 12-month period
  • Including damage to diamond or laser-cut alloys
  • No excess when you make a claim
  • Mobile service to your home or work. 
  • Nominate your local repairer on a pay-for-claim basis.
  • Uk-Based Claims Team.
  • Uk-Based Call Centers.
  • 30-day Cooling Off periods.
  • Cash Settlements if your wheel is beyond repair.
  • Cover for up to an including 22-inch Alloy Wheels.
  • Instant cover with no waiting period.*

* No waiting period, provided you have bought a Brand New car and purchased your policy before taking delivery.

Every policy we offer has terms and conditions, and we have tried wherever possible to make them as simple and easy to understand as possible. So before you buy alloy wheel insurance from your dealership, why not compare our policy benefits and prices and see how quick, easy, and affordable it can be to protect your alloy wheels with a policy?


Alloy Wheel Insurance is available for:

  • Cars less than five years old
  • Covers Diamond Cut alloy Wheels
  • Covers Laser Cut Alloy Wheels
  • Covers Painted Alloy Wheels
  • Less than 50,000 miles on the clock.
  • It was bought from a franchised main dealership within the last 30 days. 


Our Alloy Wheel repair insurance is the market leader for many reasons. Here, we will explain why. Alloy Wheel Insurance can be purchased from many sources. Your motor dealer will often have a product they can provide you and usually find alternatives online.  


Diamond and laser-cut alloy Wheels

What is a Diamond or Laser Cut Alloy Wheel?


A diamond or laser-cut alloy repair can be more complicated than a repair on a standard construction alloy. Often, the alloy may need to go to a specialist for repair. It could mean a higher repair cost. This can be why most alloy wheel insurance excludes these wheels from cover.

When you compare Alloy Insurance products in the market, you find few that cover diamond/laser cut.

Please Note: Not all Alloy Wheel Insurance policies are the same.

We offer more potential claims covered and less excluded alloys.  

Plus, higher replacement alloy contributions when your current alloy suffers irreparable damage. 

This shows why Total Loss Gap Alloy Wheel Insurance gives more cover and value!


What Alloy Wheel Insurance from Total Loss Gap will not cover.


Significant exclusions (these are examples and not exhaustive. For full terms and conditions, please click the policy terms links at the bottom of the page)

  • Damage that is not due to accidental or malicious incidents. For example, fading of lacquer finish, chemical reaction, or corrosion.
  • Damage that occurred before you purchased the Alloy Wheel Insurance policy from Total Loss Gap
  • Aftermarket Alloys wheels that are not the original to your vehicle
  • Alloys fitted to motorbikes, scooters, three-wheeled vehicles, quad bikes, kit cars, commercial vehicles, panel vans, vehicles over 3500kgs
  • Pre-existing damage
  • Any claim that exceeds the total number of claims you chose within a 12-month. 
  • Any replacement alloy cost above £150
  • Any claim made more than 30 days from the incident that caused the damage.
  • Any repair required outside mainland UK, Jersey or Guernsey.



How are diamond-cut finish alloy wheels repaired?


With the Alloy Wheel Insurance from Total Loss Gap, there are several approaches that we can take to the process of repairing a diamond-cut alloy.

  1. The first option is to get a mobile repairer to visit your home or place of work (whichever is suitable and safe for repair). For this purpose, the claims team may use a national franchise. 
  2. If this option is unsuitable, you can nominate your local repairer with the claims team's authorisation. In this case, you would drive in, have the repair done, pay for the claim and then send the invoice for reimbursement.

It may not be surprising to learn that refurbishing a diamond-cut alloy wheel is hardly a DIY job for the unskilled hand. As the term' diamond cut' may indicate, these style of alloys get their name through the diamond-tipped tool used to machine finish the surface of the alloy.


To refurbish the damaged wheel, 

  • The wheel is removed
  • The damaged area is cleaned and rubbed down. 
  • Then, the wheel is primed
  • Finally painted. 
  • The face of the alloy wheel is then 'mapped' on a computer to allow the diamond-cutting process to remove a very thin layer of metal. 
  • This provides the two-tone finish often seen with diamond-cut wheels.
  • The alloy is lacquered and baked to a hard finish.
  • The repaired wheel is then re-fitted.


Alloy Wheel Insurance FAQ's


How many claims would this be if I claim for two alloy wheels simultaneously?



You can claim two different repairs simultaneously (you may have caught both the front and rear alloy on a kerb at the same time). This will count as two claims on your policy.


Can I save up all my claims until the end of my policy and claim all at once?

No. You must report any damage as soon as you see it. This is because any exposed metal surface may see water ingress. This can further damage the alloy and make any repair impossible. We ask that you contact the claims team as soon as you can, up to 30 days from the incident that caused the damage. If the damage is reported outside this timescale, we cannot guarantee a claim can be processed. 

Do claims carry over if I do not make 4 in a year?

No. The maximum number of claims we allow is 4 in 12 months. This allows for, on a 3-year policy, 4 in year one, 4 in year two, and 4 in year three.

I have ordered an upgrade on the standard alloys. Will these be covered?


If they are manufacturers' standard alloys, then this would be fine. Many models offer a primary alloy and upgrades for higher-spec alloys fitted at the factory. Our Alloy Wheel cover can accommodate this.


I am considering buying 'aftermarket' alloys. Can these be covered?

No. We cannot cover alloys that were not the original manufacturer-supplied alloys with the vehicle.


A specialist tool is required to remove my wheel; can you cover this?

Some manufacturers require a unique tool to remove the vehicle. This may involve the wheel returning to a franchised dealer to complete this process. We are unable to cover a car that requires this process.


I live on the main road. Will the mobile technician be able to complete a repair?

Any mobile repair must be done in a safe environment. A mobile repairer cannot do this on the side of a road. Ideally, they will need a driveway or works car park. They may also need access to a power source.


What happens if a mobile repairer can't repair the wheel?

If a mobile repair is inappropriate, you can nominate your local repairer with the claims team's authorisation. Drive in and have the repair done on a pay-for-claim basis. 


Do I have to take other products from Total Loss Gap to buy Alloy Wheel protection?


No. Some providers require you to buy Gap Insurance to qualify for Alloy Wheel Insurance. We do not. Total Loss Gap does offer a range of products, and you can buy them all individually. 


How much does it cost to repair an alloy wheel?


Costs can vary depending on the type of repair (mobile or unit repair), the wheel size, and whether they are standard or diamond-cut wheels. We expect a typical standard wheel repair to start at £110 & VAT to £200 & VAT. 


Are alloy wheel sizes covered with a Total Loss Gap Alloy Wheel policy?


We can cover alloy wheels up to and including 22 inches in diameter. 


Is the price I get for an alloy wheel quote a one-off premium for the entire term or an annual premium charge?


The price you are quoted is for the entire term you have in the quote. For example, if you are quoted £199 for three years, that covers the full 3-year term.


Can I transfer the policy to a new owner of the vehicle?


If you sell the vehicle privately, the policy can be transferred to the new owner. An administration fee of £35 is payable to do so. A nice little added extra to help you sell the vehicle!


Can I buy Alloy Wheel Insurance if I buy the vehicle privately?


No, we can only provide cover if you have bought the vehicle within the last 30 days from a franchised motor dealer (i.e. the main dealer).

How am I protected if something goes wrong?


If you are unhappy with your policy or claim, we request that you contact us immediately. We have a formal claims procedure in the policy terms, but a quick telephone call can often resolve a situation quickly. You are our customer, and we want to ensure things go smoothly.

If you have a problem with a repair that has been provided, then the repairer will have guaranteed their work. Please call our claims team to discuss and agree on a rectification route.


Am I protected if the alloy wheels are stolen?


No, alloy wheel insurance only covers cosmetic repair following accidental or malicious damage. If the alloys are stolen, then that is something you would need to discuss with your motor insurer.


Can the insurance cover an alloy wheel that is corroded?


No. It would be impossible for a repairer to guarantee a repair on a corroded alloy wheel. Water or chemical ingress means that, even after a repair, corrosion can break out again on the repair site. Therefore, you must report any damage immediately after you have spotted it. To confirm, our Alloy Wheel Insurance WILL NOT cover any repair where the alloy wheel is corroded or discoloured.


How long does it take to repair an alloy wheel?

This depends on the type of damage and how it can be repaired. If you make a claim, the claims team can advise better once the damage has been assessed.

Pdf IconAlloy Wheel IPID After March 2023                  Pdf IconAlloy Wheel T&C After March 2023      

Pdf IconAlloy Wheel IPID Before March 2023               Pdf IconAlloy Wheel T&C Before March 2023    


  Choice of 2 or 4 claims per year  You do not have to pay an excess when you make a Total Loss Alloy Wheel Insurance Claim