I've never bothered with alloy insurance, I own my cars and if they get a bit scratched I'll get a refurb done - and as I have the coppper alloys it'll need to be all 4 I expect to get a matching set!
Tyre insurance I bought for the very first time with this car (I've only ever damaged one sidewall, and had the occasional puncture, and as I used to have full sized spares it on;y meant repacing one tyre at a time) - but not from the dealer - as I'm running 20" 35 profiles on my
Ateca. I got mine from ALA, the GAP insurance people - although it's a third party that provides the cover. It's 5 tyres in 2 years, and ostensibly full price like for like. I actually managed to damage 2 sidewalls on the nearside - had to kerb hop on a narow road when the BMW approachng dodn't pull over enough. Anyway, the first repacement they paid for the tyre but not the labour, the second tyre (2 weeks later as I missed the bulge in that initially) they paid the full amount. Basically I paid the garage, and then sumitted the claim to the insurer. So, for me, I'm quids in. And because of low mileage all 4 tyres are still pretty close to each other in wear.