Alloy Wheel Insurance
1. Demands and Needs Summary
Keep your car looking as good as new. Accidental damage is an everyday reality and repairing an alloy wheel can be costly and frustrating - particularly if it’s due to no fault of your own.
Alloy wheel insurance is a cost-effective solution to cover the expense of repairing cosmetic damage to your alloy wheels in the event of accidental or malicious damage.
If the alloy wheels on the vehicle you’re looking to purchase were accidentally scuffed due to risks like kerbing or potholes, would this alloy wheel insurance that can cosmetically repair these damages be of interest to you?
2. Eligibility
Your vehicle is 10 years or under and has covered less than 100,000 miles at the start date of the policy.
Your alloy wheels are not specialist wheel constructions or finishes including but not limited to split, recessed or raised rims; multi-piece rims, machine polished (chrome effect) finish or ball polished alloy wheels; steel wheels or hub caps.
You have purchased this policy no later than 30 days of taking delivery of Your Vehicle.
You are resident in the UK; or You are a partnership, company or other legal entity registered in United Kingdom
Your vehicle is not an excluded vehicle (see below) and does not exceed 3,500kg in weight.
Please note alloy wheel insurance excludes the following vehicles in all circumstances:
Commercial or light commercial vehicles, delivery vehicles, panel vans, motorcycles, scooters, three wheeled vehicles , kit- cars, quad bikes, caravans or motor homes, trailers, boats, left-hand drive vehicles, grey imports, vehicles used for hire or reward (for example taxis, self-drive hire or driving schools, delivery courier), vehicles capable of carrying more than 8 passengers or a vehicle used in any sort of rally, speed testing, 4x4 off-roading, racing or any kind of competition or trial, and your vehicle must not be insured on any type of motor trade insurance policy or for class 3 business use.
3. Benefits Of Cover
The reassurance of knowing you’re covered if your alloys are accidentally or maliciously damaged.
Repairs available through our approved repairer at your preferred location, including at home or work.
Claim up to 18 times over the total policy period.
No excess to pay when claiming.
Cover starts from day 1 with no waiting period.
Reimbursement of up to £150 (inc. VAT) towards alternative repair method or a replacement alloy wheel if cosmetic repair techniques can’t be used.
4. What is insured?
We will repair your alloy wheel due to any accidental or malicious damage. We will arrange for our approved repairer to carry out the repair at your preferred location including at home or work.
In the event the repairer or administrator deems your alloy wheel is damaged beyond a point whereby a reasonable cosmetic repair can be carried out then the policy will contribute a maximum amount of £150 towards a repair or replacement
You can make up to 18 claims in the policy period.
All claims must be authorised before any repairs/ replacements take place.
5. What is not insured?
Alloy wheels that are aftermarket fitment or not of the original specification for the vehicle.
General wear and tear, corrosion, pitting, discolouration, tar staining, neglect.
Theft of the alloy wheel(s).
Pre-existing damage or imperfections listed on the vehicle imperfections page on the cinch website.
Damage present on an alloy wheel prior to the commencement of the policy.
Alloy wheel(s) of specialist wheel constructions or finishes, including but not limited to split, recessed or raised rims; multi-piece rims, machine polished (chrome effect) finish or ball polished alloy wheels; steel wheels or hub caps. Plastic trims attached to the alloy wheel are also excluded (and must be removed prior to any repair to any covered alloy wheel).
Damage caused by driving the vehicle while the tyre is deflated; or a replacement tyre being fitted to the alloy wheel.
Damage caused by improper use of your vehicle or use not listed in, or that is excluded from your motor insurance.
Defective, failing or peeling paint or lacquer; abuse or intentional damage; theft of wheel nuts or of your vehicle itself, or cracking, buckling, breakage or distortion of alloy wheel(s).
6. Key Information
How to Claim
As soon as you become aware of an incident that has resulted in damage which you believe could lead to a claim, you must contact the administrator. You must report your claim within 30 days of the incident. This can be done by telephone on 0333 220 6622 (Monday –Friday, 9:00am to 5:00pm) or via email on cinchcover.claims@assurant.com.
The administrator will ask you to complete an electronic or paper claim form and explain the process for completing this and where to send. We will ask for pictures of the cosmetic damage to be submitted alongside your form.
Where your alloy wheel has suffered malicious damage, you must obtain a crime reference number from the police and provide this at time of claim.
If your claim is covered by the policy, the administrator will provisionally authorise your claim and instruct the repairer to contact you to arrange for the alloy wheel(s) to be repaired.
If a repair technique cannot be used to repair your alloy wheel(s) because the damage is deemed so severe a replacement alloy wheel(s) is required, the policy will contribute up to a maximum of £150 including VAT towards the cost of you obtaining a replacement. This is subject to being provided a VAT invoice for the replacement alloy wheel(s).
Where we authorise a contribution of up to a maximum of £150 including VAT towards a lathe skim, you must pay for the repair in the first instance and send the administrator a copy of the relevant invoice.
Important Information: Where we are unable to repair your alloy wheel and we are providing a contribution towards a repair/replacement with a specialist this will need to be arranged by you. alloy wheel Insurance does not cover you for any other costs you incur whilst Your alloy wheel(s) are being repaired/replaced or as a result of your alloy wheel(s) being removed from your vehicle.
Enquiries or Complaints
We always aim to provide a first-class standard of service.
If you have a complaint relating to the selling of this policy, please contact cinch by telephone: 0333 0154 101 or email: hello@Cinch.co.uk. Alternatively, please write to: Cinch Cars Limited, Form 2, 18 Bartley Wood Business Park, Bartley Way, Hook, RG27 9XA. .
If you have a complaint relating to the terms and conditions, administration or claims handling under this insurance you should in the first instance contact the administrator, quoting your policy number, by telephone: 0330 100 3246 or email: customer.relations@assurant.com. Alternatively, please write to: Customer Relations Department, TWG Services Limited, The Aspen Building, Floor 2, Vantage Point Business Village, Mitcheldean, Gloucestershire, GL17 0AF.
If your complaint is not resolved to your satisfaction, you may, within 6 months of a final decision, contact the Financial Ombudsman Service free of charge, stating clearly the nature of the complaint and the party to which that complaint was originally addressed, at: Telephone number: 0800 023 4567 or 0300 123 9 123; email: complaint.info@financial-ombudsman.org.uk; Web: www.financial-ombudsman.org.uk; Address: The Financial Ombudsman Service, Exchange Tower, Harbour Exchange, London, E14 9SR.
Cancellation
You have the right to cancel at any time. Please see the below for Your refund rights..
If you cancel within 30 days from the start date on the policy schedule or receipt of the terms and conditions (whichever is later) and have not made a claim on your policy, you will be entitled to a full refund of any premium you have paid.
If you cancel after 30 days from the start date on the policy schedule or receipt of the terms and conditions (whichever is later) and have not made a claim on your policy, you will be entitled to a pro rata refund, based on the number of full unexpired months remaining on your policy.
Please note you will not receive a refund where you have already made a successful claim on the policy.
About the Insurer
This policy is provided by London General Insurance Company Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, Financial Services Register No. 202689.
London General Insurance Company Limited: Registered in England & Wales No. 1865673. Registered Office: Twenty Kingston Road, Kingston Road, Staines-upon-Thames, Surrey TW18 4LG, United Kingdom
About the Administrator
This policy is administered on behalf of London General Insurance Company Limited by TWG Services Limited, which is authorised and regulated by the Financial Conduct Authority, Financial Services Register No. 312440.
TWG Services Limited. Registered in England No: 01883565. Registered Office: Twenty Kingston Road, Kingston Road, Staines-upon-Thames, Surrey TW18 4LG.
Financial Services Compensation Scheme
London General Insurance Company Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if they cannot meet their obligations. General insurance contracts are covered for 90% of the entire claim, without any upper limit.
You can get more information about the compensation scheme arrangements by contacting the FSCS on 0207 741 4100 or 0800 678 1100 or by visiting their website at www.fscs.org.uk.
IPID
Insurance Product Information Document (IPID) - To help you decide if this insurance provides cover that is right for you, the Insurance Product Information Document summarises the key features, benefits, exclusions and limitations of the cover as well as other important information. This summary is not personalised to you and doesn't contain everything. Please read the Insurance Product Information Document (IPID) If you would like to see the full details before you decide to take out this Insurance cover, please see alloy wheel terms and conditions.