BIBA
GeoTrust
Need Help? Calling from a mobile please call 0151 647 7556
0800 195 4926
Do you have a question? or need help?
Lines Open Mon - Fri: 9am - 6pm, Sat: 10am - 4pm

Alloy Wheel Insurance from Total Loss Gap, including cover for laser and diamond cut finishes

Updated 31st March 2018

 

What does this policy cover?

 

Alloy Wheel Insurance from Total Loss Gap can cover the cost of cosmetic repairs to alloys following a scraping or kerbing of the alloy. Alloy Wheel protection from TLG would include cover for diamond and laser cut alloys, which are often excluded from cover from other policies in the market.

 

Cover is available for:

  • cars less than 3 years old
  • less than 50,000 miles on the clock
  • bought from a Franchised Main Dealership within 30 days of buying our Alloy Wheel policy. 

We believe our Alloy Wheel repair insurance is, in our view, the market leader for many reasons. Here we will explain why.

 

 

Key areas

Why Alloy Wheel Insurance for your car?

What is a Diamond or Laser Cut Alloy Wheel?

Key Features for Alloy Wheel Insurance from Total Loss Gap

Can I buy Alloy Wheel Insurance from Total Loss Gap?

How does an alloy wheel insurance claim work with Total Loss Gap?

What Alloy Wheel Insurance from Total Loss Gap will not cover

How are Diamond cut finish alloy wheels repaired?

 

Why Alloy Wheel Insurance for your car?

scuffed alloy wheel

 

We all know how easy it is to scuff an alloy wheel accidentally, and how frustrating that can be. The joys of 'kerbing' an alloy is easily recognisable with the unmistakeable sound of the grinding wheel against a kerbstone. Unsightly scuffs and scrapes can be not only annoying but also have a detrimental effect on the resale value of your vehicle.

Further damage to untreated areas can occur where water ingress can even lead to corrosion. Leaving 'kerbed' alloys is not always a good idea.

 

Repair bills can be expensive and unexpected. The great news is that you can get insurance to cover the cost of cosmetic repairs for scuffs and scrapes on your wheels from Total Loss Gap. 

 

Alloy Wheel Insurance can be purchased from many sources these days. The motor dealer you buy your vehicle from will often have a product they can provide to you, and alternatives can be found online. However, many other providers EXCLUDE the popular diamond and laser cut alloys often provided on modern cars, our policy does not. In fact, many car owners do not even know they have diamond or laser cut alloys, and can quite innocently buy standard alloy wheel insurance only to find a claim rejected when they find out they have an excluded style of alloys.

 

Back to Key Area's Menu

 

What is a Diamond or Laser Cut Alloy Wheel?

Alloy Wheel Insurance Quote Total Loss Gap

 

A repair on a diamond or laser cut alloy can be far more complicated than a repair on a standard construction alloy. Often it may require the alloy to be sent to a specialist for a repair. This means a higher repair cost, and this is a major reason why most alloy wheel insurance excluded these types of alloys from cover.

 

When you review Alloy Wheel Insurance products in the market you will see few cover diamond or laser cut finishes.

 

The good news is that Alloy Wheel Insurance from Total Loss Gap can include standard construction finish alloys as well as diamond or laser cut alloys as part of our policy. Click or call for a quote to find out more.

 

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

If you want more potential claims covered, lower excesses, less excluded alloys and higher replacement alloy contributions when your current alloy suffers irreparable damage then you are in the right place! Total Loss Gap Alloy Wheel Insurance gives more cover and more value!

Back to Key Area's Menu

Key Features for Alloy Wheel Insurance from Total Loss Gap

  • 4 claims per 12 month period
  • Inc damage to diamond or laser cut alloys
  • £10 excess/call out charge per claim payable
  • £150 contribution to a replacement if the alloy is beyond repair
  • Mobile repairer to your home or work for SMART repair (Small Motor Accident Repair Technology)
  • If factory refurb required then alloy sent by courier at no charge

Total Loss Gap is pleased to announce that we are able to offer online, and Alloy Wheel Insurance that does cover both alloys of standard construction AND those that are diamond and laser cut.

Alloy Wheel Insurance inc Diamond & Laser Cut from totallossgap.co.uk

 

LATEST PRICES: 2 year cover from £149.45 | 3 year cover from £189.13

 

What is more, the policy carries more opportunity to claim per year than many other of the online rivals, and also carries a smaller excess per claim than many competitors also.

With 4 claims permissible per 12 month period, as opposed to the common limit of 3, and only a £10 excess per claim, we feel that the new Alloy Wheel Insurance on Total Loss Gap featured far better cover than you can find elsewhere.

 

More claims and a lower excess? And that is not the end of the advantages

 

If the alloy requires a factory refurbishment most alloy wheel policies will not allow for this eventuality. This is a major reason why diamond and laser cut alloys are excluded from many alloy wheel insurance products in the market, where the wheel may need to be x-rayed for example.

 

With the Alloy Wheel protection from Total Loss Gap then if the repair cannot be done by a mobile repairer then it can be sent off by courier, at no cost to you, to a specialist refurbisher who will then completely refurbish your alloy which is then sent back to you by courier.

 

If the alloy cannot be repaired, an example being where the wheel has buckled and it is unsafe to refurbish the alloy, then our alloy wheel policy can contribute up to £150 towards the cost of a replacement alloy. Again many online competitors products do not contribute anything towards the replacement, or much lower than £100.

 

Back to Key Area's Menu

 

Compare Alloy Wheel Insurance

 

Reinventing the wheel - The History of Alloy Wheels

 

Can I buy Alloy Wheel Insurance from Total Loss Gap?

  • is not used as a business vehicle, eg taxi, courier, driving school, sales rep solely for business use
  • your vehicle is a car (motorbikes, vans, motorhomes, couriers, taxis and driving schools are all examples of excluded vehicles)
  • your vehicle is less than 3 years old AND has less than 50,000 miles on the clock when you purchase the policy
  • you have not owned your vehicle for more than 30 days
  • you have purchased your vehicle from a VAT registered, Franchised Main Dealership or leasing company (private lease only).
  • your alloy wheels are no more than 20 inches in diameter
  • we do not cover pre existing damage
  • Certain types of specialist alloy wheels are beyond the scope of cosmetic repair techniques and therefore cannot be covered by this insurance. This includes but is not limited to: Chrome finish wheels, multi piece wheels (“split rims”). Powder coated, Magnesium, Flange-cut, Hydro-dipped and anodised wheels, Pinstripe and powder coated finishes.

 

GET A QUOTE AND SEE HOW COST EFFECTIVE ALLOY WHEEL COVER CAN BE!

 

Back to Key Area's Menu

 

How does an alloy wheel insurance claim work with Total Loss Gap?

In the event of a claim, we ask you to follow this procedure:

  1. Notify our claims team within 30 days of the incident that damaged your wheel, by calling 0114 321 9877. Please have your personal and vehicle details to hand.
  2. The claims team will assess your claim, and arrange the repair accordingly. They will verify that the damage is due to accidental or malicious damage and therefore covered by the policy. To speed up this process it is advisable to take a photograph of the damage and send it to claims@tobell.co.uk in order for the engineers to assess the damage.
  3. The claims team will arrange for an approved repairer to come out to repair the alloy. If a call out is required then a £10 call out charge will be taken, and an approved repairer will make an appointment to come to your home, or place of work, in order to process the repair. Please ensure that the area provided for the repairer to do their work is sufficient and safe, and also that a mains power supply is on hand if required.
  4. If the damage to the alloy is such that it requires a full factory refurbishment then the claims team will organise a courier to collect the alloy and send it to a specialist repairer for refurbishment. This process can take up to 10 working days, and as such you should consider that if you do not have a spare wheel for the vehicle then your vehicle will be immobile whilst the repair takes place. Once repaired, the alloy wheel is returned to you by courier. If the 'call out' charge has not been actioned then a £10 excess will be charged. Only one call out charge/excess will be payable per single claim.
  5. If the damage is beyond economic repair then your Total Loss Gap Alloy Wheel Insurance can contribute up to £150 towards the cost of a replacement alloy. This option will count as two claims on your policy.

Back to Key Area's Menu

 

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 or corrosion
  • Damage that occurred prior to you purchasing the Alloy Wheel Insurance policy from Total Loss Gap
  • Alloys that were not the original alloys fitted 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 brings a total of more than 4 in the previous 12 month period
  • 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.

Alloy Wheel Insurance Policy Terms & ConditionsAlloy Wheel Insurance Policy Keyfacts

 

Back to Key Area's Menu

 

How are Diamond cut finish alloy wheels repaired?

 

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

 

The first option is to get a mobile repairer to visit your home, or place of work (whichever is suitable and safe for a repair). For this purpose the claims team may use a national franchise like Revive. If this option is not suitable then we can look to sent the alloy to a specialist alloy wheel refinisher for a factory refurbishment. An example of a company we may use for this would be Wheel Doctor. This may happen where the damage is too severe for a mobile repairer to attempt a repair.

 

Well it may not come as much of a surprise 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 a damaged wheel the damaged area is cleaned and rubbed down. Then the wheel is primed and 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 the lacquered and baked to a hard finish.

 

Back to Key Area's Menu

 

Alloy Wheel Insurance inc Diamond & Laser Cut Wheels at Totallossgap.co.uk

Quote Me

5 Star Service


Featured within the Which? Report on Gap Insurance.


Protected by the Financial Services Compensation Scheme.

FCA & FSCS

Your policy is fully FCA regulated and backed by the Financial Services Compensation Scheme.

4.9 OUT OF 5
Click to view

Need Some Help?

Need some help?

HELP CENTRE

We are here to help! Search our help centre for any questions you may have.

Total Loss
Vauxhall releases advance details of new Corsa GSi https://t.co/fhOX4i82XN https://t.co/BZ134ylahn    |    Derby City Council outlines plans for Government-backed vehicle scrappage scheme https://t.co/A4hUHfeZVa https://t.co/SFpTN6fzAE    |    Trade Centre UK to open Europe’s largest used car showroom in Coventry https://t.co/I4DvwBEndu https://t.co/mLL7pBqqQw    |    Insurance Times Claims Awards – Finalists revealed https://t.co/cLGSoKybhb https://t.co/9KsSJvaonu    |    Insurers pledge to pass on whiplash savings https://t.co/vIsmuPTvo4 https://t.co/x8FX0BTx45    |