What is Alloy insurance?
Alloy wheels can be costly to replace or repair. Most new cars will have alloy wheels as standard, and you will often have alloy wheels installed on a second-hand car you might buy. Not all alloys are equal, however, and especially if you've got high end aftermarket alloys installed on your car, you'll want to make sure you've got the appropriate insurance. In this guide we'll explain what tyre & alloy wheel insurance is, and help you decide whether it's worth taking it out as a separate policy on top of your standard car cover.
What are alloy wheels?
First things first: Alloy wheels are wheels that are made from aluminium or magnesium as opposed to steel. As well as looking a lot more sleek, alloy wheels offer various advantages over their steel alternatives. They are more lightweight which makes them easier to transport, provides a better fuel economy and are more or less completely resistant to rust and corrosion..
What is covered and how much does alloy insurance cost?
As you might expect, tyre & alloy wheel insurance will pay out to repair or replace your tyres or alloys in the event of damage. You can make up to 3 alloy claims in a year. Depending on the length or policy and type of cover you want you can usually expect to pay anywhere between £11-£20 per month depending on the cover selected, however paying to repair them without insurance can be much more costly.
If you need your alloy wheels repairing and don’t have an insurance policy the cost can range from £40-£50 to several hundreds depending on the work required. With alloy wheel insurance, repairs up to a certain amount will be paid for. Repairs can be completed at your home or work whereas more significant repairs will generally need to be done at an approved garage.
Last reviewed: 1 December 2023
Next review: 1 January 2024