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Complete Wheel Insurance - Combined Tyre and Alloy Wheel Insurance


We are confident that the policies offer tremendous value for money for those looking to cover their alloy wheels and tyres, but we are always looking to provide more! We know there has never been a time when finding genuine value for money has been more important. We all want better levels of coverage, fewer exclusions, more control over how our policies work and even more value for money. 


At Total Loss, our Complete Wheel Insurance policy offers the right balance. Better value for money, and you have more autonomy over where repairs are carried out. After all, it is your car and your money, so why shouldn't you?


If you want to buy a Tyre and Alloy Wheel Insurance policy, why not compare our prices, features and levels of coverage?

  No wear and tear deductions on your tyre insurance claim  30 days cooling off as standard on your Total Loss Tyre and Alloy Wheel policy

The advantage of Total Loss Complete Wheel protection

  • The policy allows for two or four Tyre claims per annum
  • The Policy allows for two or four alloy wheel claims per year.
  • No waiting period * 
  • No excess when you make a claim, 
  • Choice of either up to £150 or £350 per tyre replacement, 
  • Cover provided for standard, diamond,  laser cut alloys and painted alloy wheels.
  • Up to £150 towards the replacement cost of an alloy if the original cannot be repaired. 
  • We cover 'run flat', standard, N-rated, self-healing and low-profile tyres.
  • Cover for vehicles up to 5 years old on the day of inception.
  • Cover for vehicles with up to 50,000 miles already on the clock
  • Cover for accidental as well as malicious damage
  • There is no wear and tear deduction**
  • Uk-based Call Centers
  • UK-based claims teams
  • There are no mileage restrictions
  • 30 Day cooling off period.T&C apply
  • Pro rata refund after the cooling-off period T&C apply


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

** Your tyre must have a minimum of 2 mm of tyre depth when you come to make a claim.

Pdf IconTotal Loss IPID After March 2023                  Pdf IconTotal Loss Complete Wheel After March 2023

Pdf IconTotal Loss IPID Before March 2023               Pdf IconTotal Loss Complete Wheel Before March 2023

Please Note - 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 
  • Multi-piece wheels ("split rims"). 
  • Powder coated, 
  • Magnesium, 
  • Flange-cut, 
  • Hydro-dipped 
  • Anodised wheels, 
  • Pinstripe 
  • Powder-coated finishes.
  • After-market alloy wheels


We know damage to a tyre or an alloy can be annoying, and the cost of repair or replacement can be costly and inconvenient. To protect yourself against unforeseen expenses, look at our policy today.


Remember, if your dealer says they will match or beat our price, ask them to beat the features, too!!


  You can buy up to 4 years Tyre and Alloy Wheel Insurance  You can make up to 4 tyre and 4 allow wheel claims per year.


Who can buy Complete Wheel Tyre and Alloy Wheel Insurance?


Our system will ask you questions regarding your vehicle to ensure you are eligible for coverage. 

  • How old is your car? - It must be under five years old when you buy your policy.
  • How much mileage has your car already covered? - It must have less than 50,000 miles on the clock on the day of your policy inception.
  • Where did you buy your car?- We can only cover vehicles bought from Main dealerships and VAT-registered garages.
  • How long ago you purchased your car? - You can buy a policy within the first 30 days of ownership online and 90 days when you speak to a team member and have had images approved.
  • What will you be using your car for? - We can not cover any form of hire and reward or tuition usage. We can also only cover class 1 business. For example, this is not a pool car or loan car.
  • What size wheels are fitted to your car? - We can cover wheels and tyres up to and including 22inch. 
  • What type of tyres are fitted to your car? - We can cover Runflat, self-healing, standard, low profile and N-rated tyres.


Tyre and Alloy Wheel Insurance Frequently Asked Questions


What happens when you claim a tyre?

If possible, contact the claims team. They may ask for images or a report from your chosen tyre specialist. In most cases, you must pay for the repair or replacement and then send the invoice for reimbursement.


What happens when you make an alloy wheel claim?

Contact the claims team; they may ask for images to determine if your alloy wheel is repairable in situ or needs more in-depth repair. To keep our repairers safe, they will require somewhere off-road to be able to work.

If your alloy wheel requires more in-depth repair with the claim team's authorisation, you can nominate your local repairer to drive in, repair the wheel, and drive out. As it is impossible to have an account with every tyre specialist in the UK, this is done on a pay-for-claim basis. (i.e. you pay for the alloy wheel repair, then send the invoice in for a refund) 


Does Gap Insurance cover damage repair or replacement of your tyre and alloy wheels?

No Gap Insurance only covers you if your car is written off ( damaged beyond economic repair or stolen and not recovered).


What damage would not be covered with a complete wheel alloy wheel and tyre insurance policy?

  • Any damage that happened before your policy was in place.
  • Any claim caused by malicious damage and you did not report it to the police and are therefore unable to provide a crime reference number.
  • If your wheels are stolen.
  • We can not cover any consequential costs you incur because you can not use your car.

Please see our policy documents above for a complete list of terms and conditions.


Will you cover me if my tyres are bald?

No, we do not cover wear and tear, and when you come to make a claim, you must have a minimum of 2mm of tyre depth.


Do you have a tyre wear and tear deduction?

No, as long as your claim is valid, we will pay the full cost up to your chosen amount. i.e £350 or £150 oer claim.


Does my Gap insurance cover my alloy wheels and tyres?

No, your gap insurance policy will cover you if your vehicle is written off. It will not cover accidental or malicious damages to your alloy wheels and tyres.


Is Tyre and Alloy Wheel Insurance only for new cars?

No, we can cover cars up to 5 years of age with up to 50,000 miles on the clock.


Is there a mileage restriction?

No, if your car has no more than 50,000 miles on the clock when you buy your policy, how many miles you do after that is up to you.


Will you be covered if the tyre damage is your fault?

Yes, as long as the damage was not caused deliberately ( for example, you slash your own tyres ), your tyre and alloy wheel insurance policy will still cover you.


Can you buy tyre and alloy wheel insurance if you bought your car using a form of finance, such as personal contract hire ( PCP ) or Hire Purchase?

Yes, how you have paid for your car makes no difference to your policy.


Can I cancel my Complete Wheel insurance policy?

Yes, you can cancel your policy at any time. 

  1. If you cancel within the 1st 30 days and have not attempted to make a claim, you are entitled to a full refund. 
  2. If you cancel after the first 30 days and have not made any claims, you will receive a pro-rata refund less a £35 administration fee.
  3. If you cancel after the first 30 days and have made a claim, the underwriter will not issue any refund as you have benefited from the policy. (please remember that you may be able to transfer your policy T&C's apply) 


Do I need to pay an excess when I make a claim on my Tyre and Alloy Wheel Insurance policy?

No, there is no excess to pay when you make a claim.


How much does tyre and alloy wheel insurance cost?

The price you pay will depend on the following.

  • The size of your tyres?
  • What type of tyres do you have?
  • How many years do you want to cover?
  • How many claims do you want to be able to make per year?
  • What is the maximum you want to claim per Tyre? ( run-flat tyres are preset at a maximum of £350 per replacement tyre)


Will my policy cover me if my wheels are stolen?

No, this policy would not cover you if your wheels are stolen; you would have to claim on your motor insurance policy.


Will my Tyre and alloy wheel policy pay for a new alloy wheel?

No, our policy is a cosmetic repair. For example, if the wheel was buckled, it would be scrapped, and as a token of goodwill, your policy would pay you £150. We know that this will not pay for a new wheel; instead, it is a goodwill gesture to say sorry we can not cover you.


Will my policy cover me if I am involved in a road traffic accident?

No, you would need to claim on your motor insurance policy.


Will my Complete Wheel Insurance cover other drivers?

Yes, as long as they are named on your fully comprehensive motor insurance, are over 18, and have a full license. (Please remember that we do not cover provisional licence holders.)


Whose name should I register my Complete Wheel policy?

The main policyholder should be the registered owner of the car or, in the event you are sourcing your car using a form of contract or ease hire, the name of the person who has signed the finance agreement.


Can I transfer my Tyre and Alloy Wheel insurance if I change my car?

Yes, you can make one free-of-charge transfer providing the vehicle we are transferring cover for is eligible. Any subsequent transfers are charged at £35.00 each.


Looking for a quote? call us on 0800 195 4926