Yes they do have clear coat and the wheels are aluminum. The clear is VERY thin and it doesnt take much to rub it off. I have polished mine off just with cleaning so now I do a serious polish job by removing the wheel from the bike and polish everything hard then follow with a 2 coat wax. Good winter job.
If you want the wheels to look like chrome you have to buy a polishing kit and have a die grinder or you can use a drill. That is more time consuming but they look great.
when you get them looking the way you want, keep them waxed!!!!!!!!! or you will have to start over again.