Insurance for something very likely to be damaged like kerbed alloys (especially as most these days are large and couple with low profile tyres, and thus are far more susceptible to damage) would be either very expensive to be comprehensive, or not worth it because it would have loads of clauses saying that anything you can't prove is not your fault will not be covered.
That would probably include damage from jet washing (which eventually takes the lacquer off) as well as from kerbing.
Note that claiming under ordinary car insurance will be silly as most of the time its the driver's fault or no fault (because a pothole wasn't reported or was avoidable), never mind how common damage is because of the use of such combinations of large wheels and low profile tyres.
In the end, it's probably cheaper (other than not to have such a combo of wheel & tyres) to just drive more carefully and to use a reputable repairer for stone chips and the occasional scraped alloy. Rarely does anyone 'win out' on buying insurance on relatively small repairs that happen often.
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