Alloy insurance

[Qasim]

Hi guys,

 

I am looking for insurance and options available to insure rims for my car.What are the suggestions?
Can I get Toyota alloy insurance after 12 days?

 

thanks

[APS]

Not sure Toyota insurance covers wheel damage. I'd think you need to get either a separate cover for the wheels or a specialist car insurance. Theft should be covered by the normal car insurance. I've never bothered with additional cover for wheel damage.

[Primus1]

I was asked if I wanted alloy insurance when I bought my  cross, of course I declined, a few months ago I kerbed one of my alloys on our ridiculously high kerbs at work, my car was in for service and I was told that the guy they use for their repairs might be able to sort it for me, anyway he did, cost..£50. I guess you would need to weigh up the cost of insurance against the cost of repairs, you could not bother, but put some cash aside each month just in case..

[FROSTYBALLS]

Brochure:

Alloy Protection Brochure.pdf

[Qasim]

Thats what happened with me,i hit kerb and guy is asking me 107 to repair it now.Now I wonder why I declined dealership option.

 

I looked up on internet for multiple alloy cover which are around 200£ for 3 years.

[Qasim]

13 minutes ago, APS said:

Not sure Toyota insurance covers wheel damage. I'd think you need to get either a separate cover for the wheels or a specialist car insurance. Theft should be covered by the normal car insurance. I've never bothered with additional cover for wheel damage.

I mean there are separate toyota insurance which covers both wheel and alloy.

[Qasim]

4 minutes ago, FROSTYBALLS said:

Brochure:

Alloy Protection Brochure.pdf 3.24 MB · 2 downloads

Thanks.Do you know how to get this insurance?I am unable to figures out.

[Qasim]

6 minutes ago, Primus1 said:

I was asked if I wanted alloy insurance when I bought my  cross, of course I declined, a few months ago I kerbed one of my alloys on our ridiculously high kerbs at work, my car was in for service and I was told that the guy they use for their repairs might be able to sort it for me, anyway he did, cost..£50. I guess you would need to weigh up the cost of insurance against the cost of repairs, you could not bother, but put some cash aside each month just in case..

Thats what happened with me,i hit kerb and guy is asking me 107 to repair it now.Now I wonder why I declined dealership option.

 

I looked up on internet for multiple alloy cover which are around 200£ for 3 years.

[FROSTYBALLS]

13 minutes ago, Qasim said:

Thanks.Do you know how to get this insurance?I am unable to figures out.

Contact your Toyota dealer.

Also there are other companies offering similar products, so do a comparison of costs and cover.

[Qasim]

4 minutes ago, FROSTYBALLS said:

Contact your Toyota dealer.

Also there are other companies offering similar products, so do a comparison of costs and cover.

Do you have any comparison or company name in hand? Like our car insurances

[MikeSh]

I bought alloy insurance with a Mini a few years ago as it had low profile tyres with no overhang. To use it I had to take it to their body-shop many miles away and leave it for a couple of days (I can't remember if I got a loaner).

Did that once and it was such a pain that the next time I got Chips-Away to sort it. Sold the car not long after.

So check the small print carefully. Money isn't the only factor.

[FROSTYBALLS]

20 minutes ago, Qasim said:

Do you have any comparison or company name in hand?

No, but the usual comparison sites are a starting point.

[Cyker]

Hah, I had the opposite, I got signed up for it without asking (I only asked for the GAP and Smart repair (Paint) insurance) - Completely useless to me since the first thing I did with the car was throw on the 15" steels, which the dealer alloy insurance doesn't even cover (It only covers the original rims that came with the car!), and I'd even explicitly told them I was going to do that, but thankfully got a full refund when I called to cancel.

It was surprisingly hassle-free to cancel. Sounded like they had calls like that a lot  

A lot of companies do alloy insurance with varying cover, from cosmetic only to full replacement if it e.g. gets cracked. Just need to click through any automotive insurer's website.

TBH though, unless you're expecting them to get damaged there's little point; You'd be better of putting the money in an ISA or something. There are a lot of caveats on what's covered and even excesses to be paid and it can vary wildly between different insurers, so you have to read the policy docs very carefully (Also good advice for insurance in general; It's amazing what BS they can get away with in the Ts and Cs and still be legal)