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New Cosmetic, Tyre and Alloy Wheel Insurance - Flexible Cover for Everyday Damage
Minor damage is part of everyday driving. Kerbed alloy wheels, minor scratches, scuffed bumpers and punctures happen all the time. While you could claim on your motor insurance for some of these issues, the reality is that the excess you’d need to pay often costs more than the repair itself.
This is where our new, updated range of cosmetic, tyre and alloy wheel insurance from Total Loss GAP can help.
These policies are designed to sit alongside, but outside of your motor insurance, covering minor cosmetic damage to your bodywork and alloys, plus your tyres, without affecting your no-claims discount or incurring a significant excess.
They’re not for major accidents or bodyshop repairs. They’re for car park dings and dents, alloy wheel scuffs, abrasions on your leather upholstery and more.
Insurance Protection for everyday Driving
We now offer three insurance-backed options, each focused on a specific type of everyday damage:
- Tyre Insurance
- Tyre & Alloy Wheel Insurance
- SMARTCare Cosmetic Insurance, a 3-in-1 policy covering cosmetic bodywork, alloy wheels and interior trim
Each product is simple, flexible, and designed to make sense in real ownership situations.
Tyre Insurance - don't feel deflated
Tyre damage is one of the most common motoring costs. Punctures, impact damage from a pot hole or a nail and sudden tyre failures can quickly turn into an untimely bill.
Our Tyre Insurance offers:
- Up to 4 tyre claims per year
- Up to £400 per replacement tyre
- A £10 excess per individual claim
It’s designed for unexpected damage, not normal wear and tear, and helps take the sting out of sudden tyre replacement costs.
See our new Tyre Insurance options
Tyre & Alloy Wheel Insurance - Combined Wheel Cover
For broader protection, our Tyre & Alloy Wheel Insurance combines both sections in a single policy, while keeping claims separate. A true complete wheel option. 
This means:
- Up to 4 tyre claims per year
- Up to 4 alloy wheel claims per year
- Claims are not shared between tyres and alloys (up to 4 claims per section, per year)
- A £10 excess per claim
It’s a straightforward option for drivers who want protection against road damage without having to choose between tyres or wheels.
See our new Tyre & Alloy Wheel Insurance options
SMARTCare Cosmetic Insurance - 3-in-1 Ultimate Cosmetic Cover
SMARTCare Cosmetic Insurance is designed to help keep your car looking right, inside and out. It covers minor cosmetic damage using smart repair techniques, rather than full bodyshop repairs.
Smartcare provides:
- Cosmetic bodywork damage cover
- Alloy wheel cosmetic damage cover
- Interior trim damage cover
You can make:
- Up to 5 claims per year in total, shared across all three elements
- With a £10 excess per claim
It’s ideal for everyday marks and damage that you wouldn’t want to claim for on your motor insurance. It can also help guard against hand back charges at the end of a lease or PCP for cosmetic condition.
See our new SMARTCare Cosmetic Insurance cover
Buy Cover at Any Point in Vehicle Ownership
One of the most significant differences with our cosmetic, tyre and alloy wheel insurance is the flexibility it offers.
Most similar products on the market must be bought shortly after purchasing a vehicle, often within 30 or 90 days. Our policies aren’t tied to when you bought your car. 
You can buy cover:
- When you’ve just bought a vehicle
- After owning it for several years
- When an existing tyre, alloy or cosmetic policy is coming to an end
As long as your vehicle is under 10 years old and has covered less than 100,000 miles at the point of purchase, you can apply for cover.
Pre-Cover Images - Simple and Fair
To keep things fair for everyone, these policies require a set of vehicle images to be submitted within 14 days of purchasing cover. These images create a clear baseline of the vehicle’s condition at the start of the policy.
Any damage that existed before cover began isn’t included, which helps keep claims straightforward and premiums sensible.
Trusted Insurance and Claims Handling
All of our cosmetic, tyre and alloy wheel insurance policies are underwritten by an ‘A’ rated insurer, giving you confidence in the cover behind the policy.
Claims are handled by a Trading Standards Approved claims team, with repairs carried out by authorised specialists using appropriate repair methods for minor damage.
Find Out More or Get a Quote
If you’re looking for a practical way to protect your car from everyday damage without claiming on your motor insurance, explore our cosmetic, tyre and alloy wheel insurance options from Total Loss GAP today.
You can learn more about each policy or get a quote online in just a few minutes.
See our full range of insurance and maintenance cover