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 instance and send the administrator a copy of the invoice.

You must comply with the claims procedure as explained in the terms and conditions.

If upon inspection by the Repairer it is deemed that for technical reasons the Minor Cosmetic Damage cannot be repaired using RAC Scratch and Dent Repair technique, or the Vehicle is not eligible for cover, the Administrator reserves the right to decline Your claim at this stage.

Only the Administrator can accept or decline claims. You must allow the Administrator or Us (or the Repairer) access to inspect Your Vehicle if it is the subject of a claim. We reserve the right to settle Your claim in cash up to the Benefit amount shown in Your Schedule in lieu of arranging a repair of Your Vehicle. Once the repair is complete, You must check that all work has been properly completed. If the work has not been completed to a satisfactory level, You must notify the Repairer if still on site or contact the Administrator as soon as possible.

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 colours and finishes, for example: self-healing paint, body wrap, chrome illusion paint, two tone paint finish or matt finishes; that exceeds more than 2 body panels, or has distorted, ripped, torn or perforated front or rear bumpers, any other body panel or that requires replacement of any body panel or part of a panel; that in the opinion of the Administrator or Repairer occurred before the Start Date or after the expiry date of the Period of Cover; caused by rust, hail, weather, pitting, paintwork discoloration, bird droppings or tree sap; Any gradual process, i.e., repeated key scratching around locks; fading or where minor cosmetic damage transitions from one colour paint to another. to badges, stickers, decals, beading or mouldings (including protective plastic) or that requires the removal of these items unless part of a panel claim and the repair can be completed without the removal of the beading or moulding; to wheels, wheel rims or trims; caused by wear and tear, fading, peeling or flaking paintwork, or where a panel has previously been subject to a poor repair; Minor Cosmetic Damage to the structure/ alignment of a panel, damage to locks, handles, roof pillars, roof racks, accessories, door moldings, window moldings, steel wheels or alloy wheels, lights of any sort or any window glass including sunroof; reported more than 30 days after the Incident; where it is discovered that Your policy was purchased more than 30 days following the purchase of Your Vehicle; directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at supersonic speeds; or We are unable to repair due to insufficient access to Your Vehicle. where the multiple Minor Cosmetic Damage(s) caused by the same Incident exceeds 30cm diameter or 3mm in depth; any liability to any other party; any other costs that are indirectly caused by the Incident which led to Your claim, unless specifically stated as covered in this document; Any repair work carried out without prior authorisation being given by the Administrator; caused outside the Territorial Limits; any consequence of war, invasion, terrorism, acts of foreign enemies, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, military or usurped power, confiscation or nationalization or requisition; Destruction of or damage to property by or under the order of any government or public or local authority; or any legal liability of any nature, directly or indirectly caused by or contributed to by or arising from ionizing radiation or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel, or the radioactive, toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.

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 serial number or other identifying marks; (Tyres) caused by incorrect Tyre pressure, wheel alignment, Tyre imbalance, defective steering or suspension; or (Tyres) that do not carry an ‘E’ mark; that occurred whilst driving the Vehicle with the deflated Tyre; or by a replacement Tyre being fitted to the Alloy Wheel; that would result in failure of an MOT test, for example any claim where any welding is required; 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). due to corrosion or pitting; cleaning/ polishing; improper adjustment, modification, alteration, tampering, or; carrying out general maintenance; manufacturing defects or faulty design; claims in excess of the maximum number permitted during the Period of Cover; any liability to any other party; any other costs that are indirectly caused by the Incident which led to Your claim, unless specifically stated as covered in the Terms and Conditions Document; any costs incurred disposing of damaged Tyre(s) or Alloy Wheel(s) or any costs to repair or replace Tyre(s) or Alloy Wheel(s) not fitted to Your Vehicle, or that the Administrator does not authorise in advance any repair work carried out without prior authorisation from the Administrator; theft of Your Tyre(s) or Alloy Wheel(s); If the Alloy Wheel(s) are aftermarket fitment or not of original specification for the Vehicle; Where it is discovered that this policy was purchased more than 30 days following the delivery date of Your Vehicle; Accidental or Malicious Damage occurring outside the Territorial Limits or repairs required outside the Territorial Limits Any consequence of war, invasion, terrorism, acts of foreign enemies, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, military or usurped power, confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority; Any legal liability of whatsoever nature, directly or indirectly caused by or contributed to by or arising from ionizing radiation or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel, or the radioactive, toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof; or Any damage directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at supersonic speeds.

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 identifying marks; (Tyres) caused by incorrect Tyre pressure, wheel alignment, Tyre imbalance, defective steering or suspension; or (Tyres) that do not carry an ‘E’ mark; that occurred whilst driving the Vehicle with the deflated Tyre; or by a replacement Tyre being fitted to the Alloy Wheel; that would result in failure of an MOT test, for example any claim where any welding is required; 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). due to corrosion or pitting; cleaning/ polishing; improper adjustment, modification, alteration, tampering, or; carrying out general maintenance; manufacturing defects or faulty design; claims in excess of the maximum number permitted during the Period of Cover; any liability to any other party; any other costs that are indirectly caused by the Incident which led to Your claim, unless specifically stated as covered in the Terms and Conditions Document; any costs incurred disposing of damaged Tyre(s) or Alloy Wheel(s) or any costs to repair or replace Tyre(s) or Alloy Wheel(s) not fitted to Your Vehicle, or that the Administrator does not authorise in advance any repair work carried out without prior authorisation from the Administrator; theft of Your Tyre(s) or Alloy Wheel(s); If the Alloy Wheel(s) are aftermarket fitment or not of original specification for the Vehicle; Where it is discovered that this policy was purchased more than 30 days following the delivery date of Your Vehicle; Accidental or Malicious Damage occurring outside the Territorial Limits or repairs required outside the Territorial Limits Any consequence of war, invasion, terrorism, acts of foreign enemies, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection, military or usurped power, confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority; Any legal liability of whatsoever nature, directly or indirectly caused by or contributed to by or arising from ionizing radiation or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel, or the radioactive, toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof; or Any damage directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at supersonic speeds.

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