Very rarely. In most cases, if you’ve just purchased a vehicle from a dealer they may not offer you an “insured” vehicle warranty. Either, because they aren’t authorised by the FCA and so don’t have the ability to do so. Or, they may prefer to offer you their own “in house” guarantee which is designed to cover off their minimum obligations to you. Their guarantee may be for a period of just 3 or 6 months from the date you took delivery and the level of cover maybe fairly basic. If you haven’t just purchased a vehicle from a dealer, no dealer has any obligation to you and your vehicle, so they will almost certainly not offer you any form of cover.

The benefit to you is: Preferably, look to buy a vehicle from a well-established, reputable dealer by checking the FCA register in advance, to see if they are authorised and regulated to supply an insured vehicle warranty. Alternatively, buy the vehicle you desire and fully protect you and your asset by purchasing a 12 month fully insured vehicle warranty from us at Iam Covered Ltd.

The benefits of taking out cover through Iam Covered Ltd are numerous: Please take time out to review the list of FAQ’s on this site, as it will give you a clear insight as to how we, by design, set out to differentiate ourselves from other direct to consumer vehicle warranty providers.

We are the only company to offer fully insured, bespoke policy coverage across all vehicle types, cars, motorcycles, vans, as well as motorhomes and touring caravans.

Iam Covered Ltd are proud to announce that all our policies are placed with and underwritten by Arch (UK) Insurance Ltd. And administered on your behalf, by their dedicated team. This is a leading insurer in the UK with an A+ rating with 11 offices in the UK.

For your protection, all our policies and service levels meet with the FCA’s legislation. Covered by the Financial Services Compensation Scheme and the Financial Ombudsman is available to you, in the unlikely event, you feel the need to make a formal complaint. None of which reduces your right under the Sale of Goods Act or Consumer rights Act.

We do not attempt to mislead or confuse you by offering varied levels of cover and loadable optional extras, design purely to increase your spend.

We provide a 12 month fully insured, Mechanical and Electrical Vehicle Warranty policy. And in the case of leisure vehicles, we include habitation and give you the ability to include water ingression and delamination cover if you so desire. Cover can be renewed on an annual basis, subject to qualifying.

Subject to qualifying, we are the only vehicle warranty provider to apply a no claims discount to your annual renewal premium.

The chances are you will keep the vehicle way beyond the dealers limited cover period. In that case, simply purchase a fully insured 12 month vehicle warranty from us at Iam Covered Ltd.

The benefit to you is: A renewable 12 month fully insured vehicle warranty from us at Iam Covered Ltd will give you the added protection you need, matching the period you own the vehicle for. We are totally confident that our levels of cover will be far superior to that of the dealers and you will benefit from dealing with us directly.

No, we do not cap labour rates.

The benefit to you is: Unlike dealers and other warranty providers, we don’t cap labour rates. We allow you to choose who you would prefer your vehicle to go to for repairs, based on your local knowledge, their reputation and convenience to you.

No, Although a vehicle with a service history is preferred, it’s not a stipulation. All we require is that during the period of the 12 month warranty policy you maintain the vehicle in line with the manufacturers servicing recommendations.

The benefit to you is: you can take out cover and you are not penalised or offered a reduced level of cover as a result of lack of prior servicing history.

No, we don’t require any formal checks or inspection prior to commencement of cover.

The benefit to you is: No delays to taking out cover and no hidden or additional costs to you.

This insured vehicle warranty is in addition to your legal rights.

The benefit to you is: It does not affect and cannot exclude any of your statutory rights as a consumer. This is in addition to your rights as set out by the Financial Conduct Authority, in relation to non-investment insurance products and services supplied to you, which are regulated by the authority.

No, There isn’t a limit on the number of claims in the 12 month period, however, the total value of all claims paid in a 12 month period should not exceed your vehicles value in aggregate. 

The benefit to you is: You can be confident that the premium paid represents excellent value for money.

Very simply, either call us and we will direct you to a repairer that we recommend, based on the nature of your problem and is geographically close to you. Or, if you have approached a repair outlet of your choice, ask them to liaise directly with us before commencing any repair for our authorisation.

The benefit to you is: minimal disruption. We are there to assist you and your chosen repairer. We want to get you back on the road as quickly as possible. Your repairer will invoice us directly in full. You are not financially involved in anyway.

None, all we require is that during the period of the 12 month warranty policy you maintain the vehicle in line with the manufacturers servicing recommendations.

The benefit to you is: No prequalifying conditions, added expense or delay

You have a choice of how to pay. One payment in full, or pay monthly by direct debit.

The benefit to you is: Complete flexibility and you decide on the plan that best fits your financial position.

No Problem. Provided there’s not been a prior claim on your policy, you have a choice. Either sell your vehicle with the benefit of being able to transfer the remainder of cover to the new owner. Or simply contact us and we will arrange a pro-rata refund of the premium for the period not spent. In both scenarios, we will deduct a small administration fee to process the paperwork.

The benefit to you is: Complete flexibility. Cover is in place if you keep your vehicle, or use our cover to make your vehicle a more attractive proposition to a new prospective owner.

Yes. As this is an insured vehicle warranty, in the unlikely event you decide to cancel your policy, and provided no claim has been made, you can do so for a full refund within the first 30 days. After 30 days a pro-rata refund will be given, less an administration fee. Provided a claim has not been made against this insurance policy. 

The benefit to you is: Complete flexibility.

Yes. As this is an insured vehicle warranty, in the unlikely event you decide to cancel your policy, and provided no claim has been made, simply contact us and we will arrange a pro-rata refund of the premium for the period not spent. We will deduct a small administration fee to process the paperwork.

The benefit to you is: Complete flexibility.

There is no insurance excess applied. Maximum claims limits will be set out on your policy schedule.

The benefit to you is: Once the policy has been paid for, we cover the cost of the parts, labour and VAT up to the claims limits set out on your policy schedule.

Yes, in the event of a breakdown resulting in a valid claim and where your vehicle is immobile or if continued driving, could cause danger or further damage.

The benefit to you is: if you have no recovery arrangements in place, we will contribute a payment of £50 towards the cost of recovery.

You are free to choose the repairer of your choice, provided they are VAT registered and in our opinion, able to diagnose and complete repairs to a satisfactory level.

The benefit to you is: Unlike the majority of warranty providers, we will not dictate who completes the repair based on the lowest cost. We want you to be happy with the services you receive from us and your preferred repairer and allowing you to decide, if you so wish, is an important factor. However, if you prefer us to assist you then we will direct you to a recommended repairer locally to you wherever you are in the UK.

Unfortunately, insured vehicle warranties can’t be transferred. We would recommend you cancel your existing policy and use the balance of the refund to help fund a new 12 month insured warranty, on your new vehicle.

The benefit to you is: You have a full 12 month cover on your new vehicle. And depending on the make and model, the premium for cover on your new vehicle may be less than your previous policy. A saving may well be available to you.

Yes, The level of cover remains exactly the same anywhere in the United Kingdom and the Channel Islands. Cover has also been extended to mainland Europe too for periods of up to 60 consecutive days, with no limit on the number of European trips within the 12 month period.

The benefit to you is: Total piece of mind. Safe in the knowledge that if you experience problems outside of the UK you are covered. Simply complete the repair locally to you and upon return to the UK present us with all the supporting paperwork to process your claim.

All vehicles are covered by very comprehensive mechanical and Electrical vehicle warranties, tailored made to suit the individual vehicle type. Where the policy is applied to a leisure vehicles i.e. motorhomes or touring caravans, we also include specified habitation component cover as well, at no extra cost. The only optional, enhanced cover available, is for water ingression and delamination which can be applied to leisure vehicles only.

The benefit to you is: An easy to read and understand comprehensive vehicle warranty, designed specifically for your vehicle type.

Habitation cover is included at no extra cost if your warranty is for a motorhome or touring caravan. You have the option at the time of purchase, to include water ingression and delamination cover for a small premium increase.

The benefit to you is: Your leisure vehicle is an expense purchase and has most of the fixtures and fitting you have in your home. With the addition of an engine and drive train or at least a chassis and towing mechanism. You are able to insure against the cost of expensive repairs through Iam Covered Ltd. We pride ourselves in being the NO1 provider of comprehensive leisure vehicle warranties.

Habitation describes the main items of equipment used within the living area of the vehicle, including but not limited to gas supply systems, cooker, fridge, heating systems, electrical control boards, mains hook-up, toilet cassettes etc. excluding fabric furnishings fixtures and fittings. For a full list of covered items please view or download our policy document from this website.

The benefit to you is: your motorhome or touring caravan is covered by a comprehensive warranty designed specifically for leisure vehicles.

For a small increase in premium, we will cover your leisure vehicle against water ingression from a permanently sealed, manufacturer constructed seam or joint. And the delamination of composite construction exterior body panels. For more detail please view or download our policy document from this website.

The benefit to you is: your motorhome or touring caravan is covered by a comprehensive warranty designed specifically for leisure vehicles.