Combine Tyre, Alloy Wheel & Minor Bodywork Damage Insurance for even better value in 2025

Why Combined Insurance Products Offer Greater Value Than Ever Before

As car ownership becomes more expensive and complex, smart drivers increasingly use combined insurance products to simplify their protection and cut costs. Combining policies makes more financial sense than ever, whether it’s covering your tyres, alloy wheels, paintwork, or even interior trim.

Protecting the condition of your car can have many benefits. Of course, keeping the vehicle in pristine condition is the most obvious plus point. However, there are some more long-term benefits you may not think of straight away. If you are on a PCP or a lease, then there can be punitive 'hand back' charges for the cosmetic appearance of the vehicle. Also, if you ever want to part exchange the car, then these types of cosmetic damage can impact the value you can be given.

There are several reasons why combining cover can give you the best protection.

At Total Loss Gap, we’ve seen a clear trend: for the first time since launching our combined offerings back in 2015, more customers now choose combined products over stand-alone alternatives. Here’s why.

The Shift Toward Smarter Bundling

When buying a car from a dealer, many drivers consider multiple protection products:

Tyre Insurance
Alloy Wheel Insurance
Cosmetic Repair (Scratch & Dent) Insurance

Traditionally, these were purchased as stand-alone policies. But more drivers are now realising that bundling them offers better value, broader coverage, and far less hassle.

What Combined Products Are Available?

At Total Loss Gap, you can still buy policies individually:

Tyre Insurance
Alloy Wheel Insurance
Cosmetic Repair Insurance (Scratch & Dent)

But you can also choose from two popular combined products:

1. SMARTCare Cosmetic Insurance

Includes:

Alloy Wheel Repair
Cosmetic Bodywork (Scratch & Dent)
Interior Trim Repair

2. Complete Wheel Insurance

Includes:

Tyre Insurance
Alloy Wheel Insurance

These plans don’t just combine cover — they combine value.

Real-World Savings: A Clear Example

Let’s consider a three-year policy, four claims per annum, for a vehicle with 18-inch wheels and standard tyres.

Buying individually:

Tyre Insurance: £349.99
Alloy Wheel Insurance: £249.99
Total: £599.98

Buying a combined product (Complete Wheel):

Tyre & Alloy Wheel Combined: £411.52
Savings: £188.36

That’s nearly £190 saved — with all the convenience of a single plan, one claims line, and one expiry date.

Note: Prices are accurate as of May 2025; current pricing may differ.

Are You Losing Features When You Bundle?

In short: not really. Here’s how it breaks down:

Combined Tyre & Alloy Wheel Insurance

Up to 4 tyre repairs and 4 alloy wheel repairs per year.
You don’t lose out on claims count when you bundle — you combine them under one easy-to-manage policy.

SMARTCare Cosmetic Insurance

Allows up to 3 or 6 claims per year across all cover types (so you can mix and match between claims for alloy wheels, bodywork scratches/dents, interior trim).
More flexibility: spread your claims where they’re needed.
No Excess per claim.

So while you might have one fewer claim than a standalone scratch & dent policy, you can repair larger areas — and still have alloy and interior trim covered too.

Why Combined Products Make Sense in 2025

Here’s what makes combined cover the smart choice:

Lower total cost
Simplified admin (one insurer, one policy, one renewal date)
Easier claims (especially when damage affects multiple areas)
Wider protection per policy

And now, thanks to more generous limits and improved product features, there’s no major trade-off when bundling.

What Our Customers Say

"I bundled everything into SMARTCare and saved over £100. Plus, they sorted my scuffed alloy and scratched door in one go."

"Complete Wheel made more sense. I had a tyre blow and scuffed an alloy. One policy covered both."

Conclusion: Smarter Protection, Better Value

Drivers today want value, convenience, and control. Combined insurance products tick all three boxes. Whether you want to protect against pothole damage, kerb scuffs, car park dings, or interior wear and tear, Total Loss Gap’s bundled plans offer a smarter way to stay protected.

Why overpay and juggle multiple policies when one product does it all, for less?

Explore our combined cover options today at TotalLossGap.co.uk.

Protection that makes sense. Coverage that goes further.