Alloy Wheel Insurance

This page explains how AutoTrust Alloy Wheel Repair Insurance works.

Please make sure you fully understand the terms and conditions relating to the policy and in particular the process for requesting a repair under this policy.

If you have chosen to purchase this optional contract of insurance, this will be indicated on your Validation Certificate.


Your AutoTrust Alloy Wheel Repair Insurance policy has been specially designed to cover the cost of repairs to the AlloyWheel(s) on Your Vehicle within the Geographical Limits as a result of Accidental Damage. Our aim is to provide a quick and using pioneering repair and refurbishment techniques. AutoTrust Alloy Wheel Repair Insurance policy is provided by Elite Insurance Company Limited, hereinafter known as ‘The Insurer’, ‘We’, ‘Us’, ‘Our’. Registered Office: Elite Insurance Company Limited, 7/48 The Sails, Queensway Quay, Queensway, Gibraltar. Elite Insurance Company Ltd are authorised by the Financial Services Commissioner for Gibraltar and subject to limited regulation by the Financial Conduct Authority. Details about the extent of Our authorisation and regulation by the Financial Conduct Authority are available from Us on request.

Details about the extent of Our and Your insurance intermediary’s authorisation and regulation by the Financial Conduct Authority can be checked on the Financial Conduct Authority’s register by visiting the Financial Conduct Authority’s website or by contacting the Financial Conduct Authority on 0800 111 6768.

As You would expect You will receive a first-class service that’s always reliable and handles claims quickly and efficiently. Please ensure that You read this document and that You fully understand the terms and conditions relating to the policy as it explains how the policy works and the benefits You enjoy as a policyholder. If You have any questions or any of Your details are incorrect, please contact the Administrator (08:30-17:30 Monday to Friday, 9am-12:30pm Saturday) on 0344 573 8129.

Always keep this document in Your car, as You must present it to the Approved Repairer before we will accept a claim for repairs.


Please make a note of the policy number that is allocated to You on Your Validation Certificate for AutoTrust Alloy Wheel Repair and keep it with this document, as You will need this in the event of a claim.


The words or expressions detailed below have the following meaning wherever they appear in this policy with a capital letter.

Alloy Wheel(s) – The Alloy Wheels that are of original specification to the Vehicle that were present on the Vehicle at the time You purchased the Vehicle.

Accidental Damage – A sudden and unforeseen event that has resulted in damage to Your Alloy Wheels.

Administrator – Car Care Plan Limited, Jubilee House, 5 Mid Point Business Park, Thornbury, West Yorkshire BD3 7AG provides policy registrations and claims services on behalf of the Insurer.

Approved Repairer – Flying Colours, a company appointed by the Administrator.

Geographical Limit – Mainland Britain.

Insured, You, Your – A UK resident who has purchased an eligible Vehicle and has paid the necessary premium under this policy.

Insurer, We, Us, Our – Elite Insurance Company Limited.

Period of Insurance – The period specified on the Validation Certificate.

Validation Certificate – This document will be provided to You when You take out this policy and will contain details about You and the Vehicle upon which this policy will apply. It will also provide the effective start and expiry date of the policy.

Vehicle – The Vehicle detailed on the Validation Certificate being under eight years/80,000 miles at the time of purchase of the policy.

Period of Insurance Cover

The Validation Certificate You have been provided with will provide details as to when this policy commences. Expiry of Your policy will occur in the event of the following:

A The expiry date, as shown on Your Validation Certificate;

B You, or anyone representing You, defrauds or deliberately misleads the Insurer or the Administrator;

C The Alloy Wheels are modified following purchase of the Vehicle;

D The Vehicle is sold or transferred to a new owner;

EThe Alloy Wheel(s) are no longer fitted to the Vehicle stated on the Validation Certificate;

F The maximum number of claims incidences has been reached; that being 6 claims on a one year policy, 12 claims on a two year policy or 18 claims on a three year policy.

What is covered

Within the Period of Insurance, We will pay for the cost of repairs resulting from Accidental Damage which has occurred within the Geographical Limit to Your Alloy Wheels. Claims will be handled by the Administrator and the repairs will be carried by out Our Approved Repairer, who will make all efforts to effect the repair to Your satisfaction. No repair will be identical to the original automotive finish and failure of the Approved Repairer to match the original finish is not covered by this policy.

Should the Alloy Wheel be damaged beyond a point whereby a reasonable cosmetic repair can be carried out then the policy will pay a contribution towards either an alternative lathe skim repair or a replacement alloy wheel as follows:

1. In the event that a cosmetic repair is not possible, but where the damage is such that a lathe skim repair can be carried out, the policy will pay a contribution up to a maximum of £110 including VAT towards the cost of the lathe skim repair, subject to a receipt of a valid invoice from a VAT-registered repairer. You are able to choose where to have this lathe skim repair carried out, but We accept no responsibility or liability for the lathe skim repair.

2. Where the Alloy Wheel is damaged to the degree that it cannot be cosmetically repaired, or repaired using a lathe skim technique, the policy will pay a contribution up to £150 including VAT towards the cost of a replacement alloy wheel, subject to receipt of a valid invoice for the replacement alloy wheel of the same quality and type being provided.

What is not covered

This insurance will not cover the following:

A If Your Vehicle is not listed in Glass’s Guide;

B The wheels are after market fitment or not of original specification for the Vehicle;

C Where Your Vehicle is used as an emergency vehicle, taxi, bus, commercial vehicle in excess of 3.5 tonnes or motorcycle;

D Your Vehicle, if used for dispatch, road racing, track day participation, rallying, pace-making, speed testing or any other competitive event;

E General wear and tear, corrosion, pitting, discolouration, tar staining, neglect or a defect which is not deemed as resulting from Accidental Damage, cracked or buckled wheels;

F Theft of Your Alloy Wheel(s);

G Damage present on an Alloy Wheel prior to the commencement of the policy;

H Alloy Wheel(s) of split rim construction, machine polished or chrome effect finish;

I Damage caused by;

i driving the Vehicle while the tyre is deflated or

ii a replacement tyre being fitted to the Alloy Wheel;

J Any act or omission which is wilful or unlawful.

Policy conditions do not cover any claim:

A Where the Vehicle is located outside of the Geographical Limit of this policy;

B Which is the subject of fraud, false actions or dishonesty;

C Where the loss is covered by any other insurance;

D Where it is discovered that this policy was purchased more than 90 days following the delivery date of Your Vehicle.

E Failure of the Approved Repairer to match the cosmetic finish of any other Alloy Wheel on the Vehicle.

Policy conditions

The conditions of this policy are set out below. This insurance is only valid if You agree to these conditions. Please take time to read them.

  • Repairs under this policy can only be carried out by the Approved Repairer appointed by the Administrator.
  • If You need to make a claim, You must follow the procedures shown under the ‘How to Claim’ section below.
  • You must not continue to drive the Vehicle after any damage or incident if this could cause further damage to Your Alloy Wheel(s). In such circumstances the damaged Alloy Wheel should be removed and replaced with a serviceable spare or arrangements made to have the Vehicle recovered.

How to claim

In all cases please adopt the following procedure:

  • Check that the damage is covered by this policy (check ‘What is Covered’).
  • Call the Administrator on 0344 573 8129 within 30 days of the Accidental Damage occurring.

You will need to supply the following information:

A The policy number (found on the Validation Certificate)

B Your Vehicle registration number

C Details of the damage to Your Alloy Wheel(s), when it occurred and how the damage was caused

D Dates when the Vehicle could be inspected and repaired, if Your claim is covered.


  • You should not allow any repair work to be carried out until We have inspected the Vehicle and authorised the claim.
  • Repairs must be carried out by the Approved Repairer appointed by the Administrator.
  • If Your claim is authorised We will settle the claim directly with the Approved Repairer.

Important telephone numbers

Administration and Claims Helpline

Telephone 0344 573 8129


To make sure that You receive the highest levels of service, telephone calls to the Administrator are recorded.

Cancellation and Cooling-Off Period

If this policy does not meet Your needs, You have 30 days from the date You received Your policy document to cancel this policy and get a full refund. We will not give You a refund if You have submitted a claim against Your policy. To cancel Your policy within the first 30 days, please contact the supplying dealer.

If You wish to cancel Your policy after 30 days and providing You have not submitted a claim against Your policy, You will be entitled to a pro-rata refund of Your premium based on the number of whole months remaining subject to the deduction of a cancellation fee of £35. Requests for cancellations over 30 days should be made by contacting the Administrator on 0344 573 8129, or in writing to: Car Care Plan Limited, Jubilee House, 5 Mid Point Business Park, Thornbury, West Yorkshire BD3 7AG.

Please allow up to 28 days for Your cancellation and refund to be processed.

Complaints and Arbitration

How to Make a Complaint

We hope that you will be pleased with the service We provide. In the unlikely event of a complaint, You should contact the Administrator in the first instance on 0344 573 8129, or in writing to:

The Customer Services Manager Car Care Plan Limited,

Jubilee House 5 Mid Point Business Park Thornbury,

West Yorkshire

BD3 7AG.

You can also email us at

If it is not possible to reach an agreement, You also have the right to ask the Financial Ombudsman Service to review your case. The right to apply to the Ombudsman must be exercised within six months of the date of our final decision. For more information you can visit the Financial Ombudsman Service website or write to: The Financial Ombudsman Service, Exchange Tower, London E14 9SR

Telephone: 0800 023 4567. Mobile: 0300 123 9123.

The above complaints procedure is in addition to your statutory rights as a consumer. For further information about your statutory rights contact your local authority trading standards service or citizens advice bureau.

Compensation Scheme

Elite Insurance Company Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if the Insurer is unable to meet its obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim amount, without any upper limit.

For further information about the scheme (including the amounts covered and eligibility to claim) please refer to the FSCS website or call 0800 678 1100 or 0207 741 4100.

Data Protection Act 1998

Insurers share information with each other to prevent fraudulent claims via a register of claims. A list of participants is available on request. In the event of a claim, any information You have supplied relevant to this insurance cover and on a claim form, together with other information relating to the claim, will be provided to the Register in compliance with the Data Protection Act 1998 or any subsequent legislation. If You would like a large text or taped version of this information, please telephone 0344 573 8129.

Data Protection Authorisation Statement


In processing and managing this agreement, the Administrator will collect, transfer and store the information You have provided in their secure servers based in the United States of America.

The Administrator has taken measures to ensure that there is an adequate equivalent level of protection of Your information in the U.S.A. in accordance with legislation in the United Kingdom. In compliance with the Data Protection Act 1998, You are entitled to ask Us to amend Our records about You if they are not correct, and You may request a copy of the information We hold about You by applying to Us in writing addressed to:

Compliance Officer,

Car Care Plan Limited,

Jubilee House,

5 Mid Point Business Park,


West Yorkshire


or by emailing

We may charge you the statutory fee of £10 for this service.


Your personal details may be transferred to countries outside the EEA. They will at all times be held securely and handled with the utmost care in accordance with all principles of UK law. We may pass your information to selected third party advisors or suppliers outside for the purpose of administering your claim.