It’s easy to make a claim - you can do this by calling 0330 100 3305 (Monday to Friday 09:00 am - 5:00 pm). You’ll receive an electronic or paper claim form that needs to be completed along with photos detailing the damage.

The administrator will need the following information:

• Personal and vehicle details
• Full details of the damage
• Photographs of the damage
• Any other information reasonably required

All claims must be received within 30 days of the incident date.

What else do I need to know?

All claims are reviewed by the administrator. If the policy covers the claim the administrator will provisionally authorise your claim and instruct you to arrange the repair.

• An Approved Repairer will be appointed to handle the repair
• The vehicle can be subject to an independent inspection if required
• If a contribution is authorised, you must pay for this repair in the first insta...

Cover is available for 1, 2, 3 or 4 years.

You can submit up to 5 claims per annum:

• 1 year - 5 claim limit
• 2 years - 10 claim limit
• 3 years - 15 claim limit
• 4 years - 20 claim limit

Repairs are guaranteed for the lifetime you own the vehicle and are completed to an invisible manufacturer repair standard.

The following are significant exclusions:

• Damage reported outside of 30 days from incident
• Horizontal surfaces except for touch-in’s, due to full panel removal and respray required
• Vehicle accessories such as windows, lights, wheels, tyres etc.

Detailed exclusions:

You will not be compensated for Minor Cosmetic Damage; that cannot be defined as Minor Cosmetic Damage or that following a review cannot be repaired within 4 hours using a RAC Scratch and Dent Repair technique. Upon review the Repairer may determine the damage is within scope of cover but can only be repaired using bodyshop techniques. This policy provides a contribution of up to £150 including VAT towards a bodyshop repair in these circumstances. to horizontal, flat surfaces such as roofs, bonnets and boot tops; to paint colours and finishes that cannot be suitably matched by the Repairer. These include but are not limited to specialist, non-standard and exclusive paint...

Cover is available for 1, 2, 3 or 4 years.

You can submit up to 5 claims per annum:

• 1 year - 5 claim limit
• 2 years - 10 claim limit
• 3 years - 15 claim limit
• 4 years - 20 claim limit

If a full repair of the alloy wheel cannot be completed (e.g. it’s a diamond cut or machine polished wheel) the policy will contribute up to £150 inc VAT towards a lathe skim (this is the process of refurbishing diamond-cut alloy wheels).

Important

For certain Alloy Wheel repairs, it may be necessary to remove the wheel from the Vehicle to be sent to a specialist. Please note that this Policy does not cover the cost of removing the wheel(s) or any other costs incurred in such or similar circumstances. If Your Alloy Wheel(s) require a lathe skim it may be necessary for You to remove Your Alloy Wheel(s) from Your Vehicle so that You can send them to a specialist Repairer. You should be aware that a lathe skim repair may take up to 10 working days.

Alloy wheel cover does not cover You for any other costs You incur whilst Your Alloy Wheel(s) are being repaired or as a result of Your Alloy Wheel(s) being removed from Your Vehicle.

The following are significant exclusions:

• Damage reported outside of 30 days from incident

Detailed exclusions (includes elements of tyre cover available separately):

You will not be compensated for Damage to Tyre(s) or Alloy Wheel(s) under the following circumstances: that occurs before the Start Date or after the end date of the Period of Cover; reported more than 30 days after the Incident; that cannot be defined as Accidental or Malicious Damage; or caused by Wear and Tear; or caused by a road traffic accident or where Your Vehicle is a total write-off; caused by improper use of Your Vehicle or use not listed in, or that is excluded from Your motor insurance; or due to faulty manufacture or design of Your Tyre(s) or Alloy Wheel(s); covered under any other insurance policy, warranty or guarantee; (Tyres) if they have less than 1.6mm of tread in a continuous band around the full width of the Tyre or where there has been an attempt to remove the ...

Benefit Cover is the amount you can claim towards replacement tyres.

At FOW, we offer 2 levels of cover:

• £200 inc VAT
• £400 inc VAT

The £200 option is ideal if you’re new car has relatively small wheels and tyres where the costs might be lower. If your new car has larger wheels and tyres, the £400 option might be more beneficial as the policy will contribute more towards replacement tyres that are generally more expensive to buy.

Cover is available for 1, 2, 3 or 4 years.

You can submit up to 5 claims per annum, per category.

The maximum you can claim over a set period is as follows:

• 1 year - 5 alloy wheels and 5 tyres claim limit
• 2 years - 10 alloy wheels and 10 tyres claim limit
• 3 years - 15 alloy wheels and 10 tyres claim limit
• 4 years - 20 alloy wheels and 20 tyres claim limit

Yes, under this policy you can claim up to £50 contribution towards a puncture repair.

Puncture repairs do not count towards the total claims limit.

The following are significant exclusions:

• Damage reported outside of 30 days from incident
• Wear and tear

Detailed exclusions:

You will not be compensated for Damage to Tyre(s) or Alloy Wheel(s) under the following circumstances: that occurs before the Start Date or after the end date of the Period of Cover; reported more than 30 days after the Incident; that cannot be defined as Accidental or Malicious Damage; or caused by Wear and Tear; or caused by a road traffic accident or where Your Vehicle is a total write-off; caused by improper use of Your Vehicle or use not listed in, or that is excluded from Your motor insurance; or due to faulty manufacture or design of Your Tyre(s) or Alloy Wheel(s); covered under any other insurance policy, warranty or guarantee; (Tyres) if they have less than 1.6mm of tread in a continuous band around the full width of the Tyre or where there has been an attempt to remove the serial number or other identifyin...

Cosmetic

• UK Resident or UK registered partnership/limited company.
• Vehicles of any age / any mileage at policy inception and policy must be purchased at POS (Point of Sale).
• Personal Class 1 Business Use covered (under 20,000 business miles per annum).

Alloy wheel + Alloy Wheel and Tyre

• UK Resident or UK registered partnership/limited company.
• Vehicles of any age / mileage at policy inception.
• Personal Class 1 Business Use covered (under 20,000 business miles per annum).

London General Insurance Company Limited