Claim Limit: This Policy Addition is subject to a claim limit of £1,000, including VAT, at the maximum rate of £250 per alloy wheel, including VAT (or any other amount specifically noted on Your Policy Schedule).
Excess: Nil. If You have selected a voluntary Excess it will not apply to this Policy Addition.
Exclusions: Space saver wheels. Wheels damaged due to off-road use, racing or rallying or wheels which are corroded or porous, pressure sensing valves, damage to stud holes and cosmetic damage. Any claim against this Policy Addition within 30 days and 1,000 miles of the Policy Start Date.
The most likely damage to alloys is cosmetic and this isn't covered. Would £1000 buy a new set?
OldSkool's advice about having an extra set of wheels is good-but four big wheels with tyres take up a lot of space in the garage.
As an aside I wouldn't touch alloy wheels on principle. Aluminium is always used as a cost cutting exercise (it's cheap to cast, machine, and weld into fancy shapes) but it really has crap mechanical properties. Sadly, it is very hard to get decent steel wheels nowadays so there's little point lamenting it!
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