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Tyre, Alloy Wheel & Cosmetic Insurance – Smart Protection for Everyday Car Damage
Not every car problem is a major accident.
Sometimes it’s a pothole on the school run.
A kerbed alloy in a tight car park.
A scratched bumper you only notice in bright sunlight.
They’re small issues, but rarely small bills.
Claiming on your motor insurance often doesn’t make financial sense once excess and potential premium increases are taken into account.
That’s where tyre, alloy wheel and cosmetic insurance can help.
These policies are designed specifically for minor, everyday damage, sitting alongside your motor insurance without affecting your no-claims bonus.
Rated 4.9/5 from Over 6,000 Verified Reviews
We collect verified customer feedback through Feefo, an independent review platform widely used across financial services.
Rated 4.9 out of 5 from over 6,000 verified customer reviews.
- Smooth claims handling
- Straightforward processes
- Competitive pricing compared to dealers
- Long-term service and support
Read our latest verified reviews on Feefo
The Real Cost of “Minor” Damage
| Repair Type | Typical UK Cost |
|---|---|
| Standard tyre replacement | £140–£200 |
| Run-flat tyre | £200–£350 |
| Diamond-cut alloy repair | £120–£180 |
| SMART bumper repair | £150–£300 |
| Interior leather repair | £120+ |
One pothole or kerbed alloy can exceed the cost of annual cover. This protection exists to make those costs predictable.
Choose the Right Level of Cover
Tyre Insurance
For sudden and unforeseen tyre damage such as potholes, nails or sidewall impact.
- Up to 5 tyre claims per year
- Up to £400 per replacement tyre
- £10 excess per claim
Excludes wear and tear or pre-existing damage.
See our Tyre Insurance options
Tyre & Alloy Wheel Insurance
Combined protection for tyres and cosmetic alloy damage. 
- Up to 4 tyre claims per year
- Up to 4 alloy wheel claims per year
- £10 excess per claim
- Claims are not shared between sections
See our Tyre & Alloy Wheel Insurance options
SMARTCare Cosmetic Insurance (3-in-1)
Covers minor bodywork, cosmetic alloy damage and interior trim repairs using approved SMART repair techniques.
- Up to 5 total claims per year
- Maximum 4 alloy claims
- £10 excess per claim
Particularly popular with lease and PCP drivers wanting to avoid handback charges.
See our SMARTCare Cosmetic Insurance cover
Alloy Wheel Insurance
For cosmetic kerbing and pothole damage.
- Up to 5 alloy claims per year
- Diamond-cut, laser-cut and painted alloys covered
- £10 excess per claim
Excludes cracked or structurally damaged wheels.
See our Alloy Wheel Insurance options
Motor Insurance vs Cosmetic & Tyre Cover
| Motor Insurance | Cosmetic & Tyre Cover |
|---|---|
| Designed for major accidents | Designed for minor damage |
| Higher excess | £10 excess |
| May affect premiums | No impact on NCD |
| Recorded on the main policy | Separate product |
A Word from Our Director
“At Total Loss GAP, we’ve been arranging tyre, cosmetic and alloy wheel protection products for over a decade. What we’ve seen is increasing awareness from drivers that the smaller costs of vehicle ownership can quickly add up.
A kerbed alloy, a damaged tyre or a bumper scuff can easily cost £150 to £300 to repair. Once excess is considered, those repairs often fall outside the practical use of standard motor insurance.
These products offer a cost-effective and straightforward way to manage minor damage, while helping to maintain vehicle value and reduce the risk of unexpected lease or PCP return charges.”
— Mark Griffiths, Director, Total Loss GAP
Long-Term Customer Feedback
Trustpilot Review – 2020
“I’ve been with TLG for a number of years and having had low profile tyres have needed a couple of alloy repairs, a tyre replaced and a stone chip repair. TLG have been great, all repairs and replacements done speedily and without any fuss... just follow the process.
I’ve now changed my car and Mark has sorted me out with policies to cover all eventualities and considerably less cost than the dealer, at least half the price. I can highly recommend TLG and Mark who did all he could to help me out... nice work guys.”
— L. Disley
Flexible Purchase Options
Unlike many similar products, our policies are not restricted to the first 30–90 days of vehicle ownership. 
- Immediately after purchase
- Several years into ownership
- When an existing policy is ending
Eligibility:
- Vehicle under 10 years old
- Under 100,000 miles at policy start
Pre-cover vehicle images are required within 14 days to establish baseline condition.
Underwriting & Regulation
- Underwritten by Helvetia Global Solutions Ltd (A-rated)
- Total Loss GAP is authorised and regulated by the Financial Conduct Authority (FCA FRN No. 821163)
- Claims handled by a Trading Standards Approved team
- Repairs completed by authorised specialist networks
Full policy terms and conditions are available prior to purchase.
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 your options with 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