TidyAlloys

TidyAlloys: specialist vehicle insurance in the UK

TidyAlloys is a car insurance broker operating in the UK under the trading name of Motor Products Online Ltd, an entity authorised and regulated by the Financial Conduct Authority (FCA) under number 828724. The company presents itself as a specialist in vehicle protection policies and states that it has more than fifteen years of experience as a specialist provider, with claims handled directly from its own offices and without using external call centres.

Protection policy portfolio

The offering is built around several types of insurance designed to cover specific risks associated with owning a new or used vehicle:

• GAP insurance: covers the difference between the vehicle's valuation in the event of a total loss or theft and the outstanding finance amount or the original invoice value. It includes the Return To Invoice, Finance GAP, Lease GAP and Return To Value variants. The company states that its GAP policies provide up to £1,500 more cover than other market alternatives, without unfair market value clauses, with claims paid within two working days, free policy transfer and direct claims handling.
• Alloy wheel and tyre insurance: covers alloy wheel repairs at a workshop or through a mobile service, with no excess, different levels of cover and no limit on the number of claims per year. The company notes that it can cover machined or diamond-cut alloys, subject to the policy terms.
• Scratch and dent insurance: protects the paintwork against damage of up to 40 centimetres, including bonnet and roof, with no excess and no limit on claims per year.
• Smart key insurance: cover for the loss or replacement of keys for vehicles with a SmartFob system.

The portfolio shows indicative premiums from £59 for GAP insurance, from £139 for combined alloy wheel and tyre cover and from £229 for scratch and dent protection, although these are reference amounts subject to the policy terms.

Management model and customer service

The company describes itself as a family-run business that fully administers the policies it sells, so the policyholder has a single contact number for any matter relating to their cover. TidyAlloys stresses that it does not outsource customer service or claims processing: the team that answers calls is the same team that handles claims, with the stated aim of providing fast and fair resolutions.

Among the general terms the company highlights are the absence of an excess on all its policies, free cancellation during the first thirty days and pro-rata cancellation at any time provided no claims have been paid, as well as free updates and transfers of GAP policies.

Transparency and claims data

TidyAlloys publishes its own reports based on its claims handling experience. A 2025 report on alloy wheel and tyre claims analyses 2,080 real cases to identify where damage occurs, how much it costs to repair and what a 94.7% claims payment rate means. Another 2025 report on Return To Invoice GAP claims examines 141 claims paid between 2023 and 2025. The company also maintains a knowledge hub with guides on GAP insurance, what an A-Rated rating means and FSCS protection, preventing penalties on leased vehicles, salary sacrifice schemes for company cars and buying vehicles without falling into poor sales practices.

Corporate profile

Motor Products Online Ltd is registered in England and Wales with company number 06942221. Its head office is in Southport, Merseyside, and telephone support is available Monday to Friday, 9:00am to 5:00pm. The company also operates other websites specialising in complementary excess management and brokerage services.

Location and contact

70 Eastbourne Road, Southport, Merseyside, PR8 4DU · Phone: 01704 552112 · Email: info@tidyalloys.com