Tyre Insurance

The purpose of Tyre Insurance is to contribute towards the cost of the repair or replacement of tyres that have suffered accidental or malicious damage.

This policy covers tyres, including winter tyres, fitted to the vehicle provided these are in accordance with the manufacturer's original specification and within legal limits. Tyre Insurance cover is available for passenger cars, light four-wheel commercials and motorhomes (under 3500 GVW).

The maximum amount that the insurer will pay for any single claim will be limited to either £250 per tyre per occasion, depending on the claim limit you have selected. This will include a valve, balance and VAT.

The maximum aggregate amount payable is limited to five claims per period of insurance.

Should your tyres become damaged and need replacing or repairing, it could become expensive, especially if the tyres required for your vehicle are specialist or need to be of high performance. Without Tyre Insurance, you might find yourself significantly out of pocket, so why take that risk?

With a robust Tyre Insurance policy from Direct Gap, you can get behind the wheel safe in the knowledge that our cover will contribute up to £250 towards the cost of any tyre repairs or replacements – a major saving by anyone’s standards.

Get a Tyre Insurance quote.

The likes of punctures, cuts or bursts and any damage caused by braking will not be covered by most motor insurance policies. That’s why Tyre Insurance with Direct Gap can prove a sensible solution. It offers you added peace of mind that, should anything go wrong with your tyres, you won’t have to fork out a fortune for their repair or replacement.

No, Gap and Tyre Insurance are separate products. A Gap Insurance policy covers the difference between your vehicle’s initial purchase price and its value at the point where it is declared a total loss. Tyre Insurance is a specific form of cover that will contribute towards the cost of replacement or repairs should your tyres suffer accidental or malicious damage.

No, you can only take out a Tyre Insurance policy in conjunction with Gap Insurance from Direct Gap. This must be done within 60 days of taking delivery of your vehicle.

No, we have Tyre Insurance for older cars up to three years in age. However, please note that the maximum permitted mileage at the date of the policy purchase is 100,000 miles.

Get a Tyre Insurance quote.

Yes. Whether you purchased your car outright or via a finance agreement, our Tyre Insurance cover is available to you.

Yes, your policy will cover you even if the incident that caused your tyres to become damaged was your fault. However, please note that you will not be covered if the driver of the car is under the influence of alcohol, non-prescription drugs, is involved in illegal activity, fraud or an act of wilful negligence. We recommend that you carefully read through your policy documents for full terms and conditions.

Yes, others are covered by your car’s Tyre Insurance as long as they are a named driver on your comprehensive motor insurance.

Yes, run flat tyres are included under the Tyre Insurance policy, provided you have selected and paid for the run flat product.

No, there is no charge for betterment but the tyres must comply with the legal requirements.

Yes, your Tyre Insurance policy will cover malicious damage to tyres provided that a police report is available.

Tyres must be either repaired by or purchased from a VAT-registered supplier or dealer. This can be one of your choice or in certain circumstances the insurer has a fleet account with Kwik Fit and you will not be required to make payment.

Tyre Insurance cover must be purchased within 60 days of delivery of the vehicle.

Get a Tyre Insurance quote.

The policy should always be in the name of the owner / hirer or registered keeper of the vehicle.

Here at Direct Gap, we believe in making life as easy as possible for our customers, and taking out a Tyre Insurance policy is certainly no different. You can calculate your quote online – all you need to do is fill in the desired length of policy, your claim limit, the vehicle model and its tyre type, and we’ll provide you with a quote in seconds – it’s that simple.

Of course, you can always get in touch with a member of our expert, friendly team – they’ll be only too happy to help you out. You can email us at [email protected] or call us on 01422 756100.

Get a Tyre Insurance quote.

Yes – for the first 14 days of your car’s Tyre Insurance period, no claim will be accepted. This also applies to our Alloy Wheel and Scratch & Dent policies.

Your Tyre Insurance policy documents together with confirmation of payment are sent by email as soon as you make the payment.

If your tyres become damaged and need repairing or replacing, you can call the administrators claims number on 0344 573 8002. They will direct you to a garage where we have an account so your vehicle can get fixed up. If one is not available to you locally, then the best course of action is to pay for the repairs before claiming the money back through your Tyre Insurance.

Please see your policy documentation for claim limit details.

No, a claim on this policy will have no impact on your standard motor insurance.

No, there are no excesses to pay on our policies.

You will not be covered for any claims where the tread depth is less than 2mm across any area of the tyre, for theft of the tyres, or if the tyres have been modified in any way from the manufacturer’s specification.

Exclusions also apply if your vehicle is more than seven years old at the start date of your Tyre Insurance policy, or if it has covered 100,000 miles by that date. Additionally, you will not be covered for general wear.

There are further exclusions that apply to your Tyre Insurance cover, so please check your policy documents for full terms and conditions.

Our Tyre Insurance policies start from just £169, but the cost of your premium will depend on the length of cover, the claim limit, the make of your vehicle and its tyre type. The easiest way to work out how much your Tyre Insurance will cost is to hit the button below and get a quote in a matter of seconds.

Get a Tyre Insurance quote.

We are an internet-based provider and we have lower overheads than motor dealers. We sell a high volume of insurance products, so we are able to provide quality policies at the keenest prices.

You can be confident that our prices are lower than those quoted by dealers and many other websites. Paying less than you have been quoted elsewhere doesn’t mean that you are buying an inferior product, it just means that they are making more profit from your purchase!

Fortegra Europe Insurance Company Ltd (Malta Company Registration Number C 84703), Office 13, SOHO Office The Strand, Fawwara Building, Triq I-Imsida, Gzira, GZR 1401, Malta. Fortegra Europe Insurance Company Ltd is authorized under the Insurance Business Act 1998 of the laws of Malta to carry out general business, and is regulated by the Malta Financial Services Authority, Triq l-Imdina, Zone 1, Central Business District, Birkirkara, CBD 1010, Malta. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority under reference number 805770, and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permission Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. Annual reports on our solvency and financial position can be found at https:// www.fortegra.eu/solvency-and-financial-condition-report.

The United Kingdom, Isle of Man and the Channel Islands. Territorial limits will include the countries of the European Economic Area for a period of up to sixty (60) days for any one single trip.

No, this is not a transferable form of cover. If you change your car for any reason, you are entitled to a pro rata refund on your policy, as long as no claims have been made. There will also be a £35 cancellation fee.

Should you no longer want your Tyre Insurance policy, you are able to cancel. We offer a 30-day grace period (more than twice the legal requirement of 14 days) within which you will be entitled to a full refund. After those 30 days, you’ll be charged a £35 cancellation fee and will be refunded on a pro rata basis, provided no claims have been made.