Alloy wheel and cosmetic insurance covers you against the cost of repairing minor damage, helping you avoid expensive excess fees through your main insurer, while preserving your no-claims bonus. Our recommended partner MotorEasy allow you to make multiple claims a year.
Compare alloy wheel repair insurance prices with our partner MotorEasy
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Get a quote forDepending on the type of car you own, damaged alloy wheels can have a marked impact on the overall value of your car, particularly if you drive a new or premium brand car.
If you have a history of scratching or damaging your wheels, alloy wheel insurance can provide a great way to pay for repairs. For a small monthly premium, you can cover the cost of repairs without damaging your main insurer’s no-claims bonus or incurring a hefty “excess fee” on your claim.
Alloy wheel insurance covers repairs for cosmetic damage like scuffs or scratches and offers a fixed payout if the wheel is beyond repair. Unlike standard car insurance, it avoids excess fees, protects your no-claims bonus, and won’t raise future premiums, making it a cost-effective alternative for maintaining your wheels.
Alloy wheel cover is likely to be more important if you drive in an urban area with street parking. Similarly, if the roads in your area are littered with potholes and debris, alloy wheel cover can be a sensible buy.
If you’re leasing a car, alloy wheel insurance can provide added peace of mind, paying for repairs that might otherwise incur an end of lease damage penalty.
Alloy wheel cover typically costs around £60 per annum, although the price will be more if your vehicle has large (more than 18-inch) or expensive rims, such as diamond-cut or split rims.
When you make a claim there will usually be a small fee of around £10. Your insurer will usually limit you to four-claims a year and will typically place a maximum claim limit of around £100 to £200 per wheel, per year.
Below is a checklist of the key things you should look out for in an alloy insurance policy:
Cosmetic repair insurance typically costs around £85 per annum. Like most types of insurance, the more expensive your car, the more likely it is that the price will be higher.
When you make a claim there will usually be a small fee of around £10. Your insurer will usually limit you to four-claims a year and will typically place a maximum claim limit of around £100 to £200 per repair.
Most standard insurance policies cover cosmetic bodywork damage, but the repair costs are often less than your policy’s excess, making a claim impractical. Additionally, claiming through your main policy risks your no-claims bonus and can increase future premiums.
Cosmetic repair insurance offers a more affordable solution. With a modest premium, it covers repairs without impacting your no-claims bonus or future premiums, providing peace of mind and cost-effectiveness.
Cosmetic repair insurance covers repairs for minor accidental damage to your car's bodywork, such as scuffs, scratches, and dents, regardless of how or where the damage occurred.
Policies typically cost around £85 annually or £7.20 per month, with longer-term plans often offering reduced monthly premiums. This coverage ensures affordable protection for everyday wear and tear.
Ultimately, you are the best judge of whether you need cosmetic repair insurance:
When leasing a car, cosmetic repair insurance can provide peace of mind, helping to pay for repairs that might otherwise incur an end of lease damage penalty.
Below is a checklist of the key things you should look out for in a cosmetic repair insurance policy: