Website terms of use


Please read these terms of use carefully. By accessing this website you agree to be bound by the terms of use below. These terms of use are subject to change. Any changes will be incorporated into the terms of use posted to this website from time to time. If you do not agree with these terms of use, please do not access this website


This website is operated by Iam Covered Ltd (details below).

We maintain this website ("our website") for our customers ("you"). These Terms of use govern your use of our website. We strongly advise you to read these Terms of use as they form a contract between you and us in relation to your use of our website.

Your attention is drawn to the Contact Us page


Our Privacy Policy Privacy & Cookies Policy, which sets out the terms on which we process any personal data we collect from you, or that you provide to us which also apply to your use of the Website.


This Website is only intended for use by residents of Great Britain or businesses which are incorporated in or have their principal place of business in Great Britain. If you do not fall into one of these categories, you are not authorised to use the Website.


We will:

  • exercise reasonable care in maintaining our website;
  • use reasonable efforts to make our website available to you at all times; and
  • take the steps set out in our Privacy Policy to endeavour to secure any personal data you give us.

Access to our website may be suspended temporarily or permanently without notice.


We do not represent or warrant that in relation to our website or any part of it:

  • access will be uninterrupted, reliable or fault free;
  • any of its contents will be accurate, complete or reliable;
  • any services (whether or not provided by us) will be provided with due care and skill.

To the extent permitted by law, we exclude all liability (whether arising in contract, tort or otherwise and whether or not due to our negligence) which we may otherwise have to you as a result of:

  • any technical, factual, textual or typographical inaccuracies, errors or omissions on or relating to our website or any information on our website;
  • the unavailability of our website (or any part of it);
  • any delay in providing, or failure to provide or make available, services or any negligent provision of service
  • any damage or viruses which may affect your computer equipment or other property on account of your access to, use of or downloading from our website;
  • any losses or damages arising out of changes made to the content of our website by unauthorised third parties; or
  • any misrepresentation on or relating to our website or the services (other than a fraudulent misrepresentation made by us or on our behalf).

None of the exclusions or limitations in this paragraph shall exclude or restrict our liability for death or personal injury caused by our negligence.

Each of the above exclusions or limitations set out in this paragraph shall be construed as a separate and severable provision of these Terms of use.

Nothing in these Terms of use shall exclude, limit or restrict our duties to you under the Financial Services and Markets Act 2000 and any subsequent amending or replacement legislation which regulates the carrying out of investment or financial business in the United Kingdom, or any conduct of business rules which we are bound to comply with.

The materials on our website do not constitute financial or other professional advice. Please visit or contact your Independent Financial Adviser or other professional adviser for financial or other advice.


If at any time on the Website you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms. If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at


All rights in the design, text, graphics and other material on our website and the selection or arrangement thereof are the copyright of us or other third parties. Permission is granted to electronically copy and print in hard copy portions of our website solely in connection with the acquisition of services through our website. Any other use of materials on our website (including reproduction for purposes other than those noted above and alteration, modification, distribution, or republication) without our prior written permission is strictly prohibited.

All trademarks, product names and company names or logos used in our website are our property or that of their respective owners. No permission is given by us in respect of the use of any such trademarks; get-up, product names, company names, logos or titles and such use may constitute an infringement of the holder's rights.

No document or related graphics are to be modified in any way.

Any rights not expressly granted in these terms are reserved.

Intellectual property rights in all software and documentation supplied by us for your use in connection with the website remain our property or that of our licensors.


We will use contact information from any enquiry to deliver information to you and to get in touch with you when necessary.

Apart from your personal information, which is addressed by our Privacy Policy, we will treat any communication or material you send to our website electronically or otherwise (including financial information but limited to data, questions, comments, suggestions, or submissions ("your information") as non-confidential and non-proprietary. By submitting your information to our website, you irrevocably agree never to assert any copyrights, moral rights, or other rights you may have in such material.

We may use your information for any purpose including (but not limited to) reproduction, transmission, disclosure, publication, broadcast and posting.

We may also use any ideas, concepts, techniques or know-how contained in your information for any reason including (but not limited to) developing, manufacturing and marketing our website and our services.


We reserve the right at any time without notice to revise the content of our website (including the services offered by us) and these Terms of use. Any changes to these Terms of use will be posted on our website and by continuing to use our website following any such change you will signify that you agree to be bound by the revised Terms of use.


We reserve the right in our sole discretion to deny users access to our website or any part of our website without notice and to decline to provide the service to any user that is in breach of these Terms of use of use.


This Website may contain hyperlinks to websites operated by other than Iam Covered Ltd. Such hyperlinks are provided for your reference only. Iam Covered Ltd does not control such websites and is not responsible for their contents. Iam Covered's inclusion of hyperlinks to such websites does not imply any endorsement of the material on such websites or any association with their operators.


We shall not be liable to you for any breach of these Terms of use of use or any failure to provide or delay in providing our services through our website resulting from any event or circumstance beyond our reasonable control including, without limitation, strikes, lock-outs and other industrial disputes, breakdown of systems or network access, fire, explosion or accident.


If any portion of these Terms of use is deemed unfair, unreasonable, invalid or unlawful (whether an entire clause or only part of one) such portion(s) shall be limited or excluded from these Terms of use to the minimum extent required and the remainder of the Terms of use shall remain in full force and effect and be enforceable. The paragraph headings are for information only, and do not form part of these Terms of use.


These Terms of use shall be governed by and construed in accordance with English law and the parties agree to submit to the exclusive jurisdiction of the English Courts.


Iam Covered Ltd is authorised and regulated by the Financial Conduct Authority. Financial Services Register Number: 927988

You can check the above information on the FCA's website or by contacting the FCA on 0800 111 6768 .

Iam Covered Ltd.

Company Registration number: 12458374


Ask House, Northgate Avenue, Bury St. Edmunds, Suffolk, United Kingdom, IP32 6BB


Ask House, Northgate Avenue, Bury St. Edmunds, Suffolk, United Kingdom, IP32 6BB


Global Insurance Management Limited, Eaton House, 1 Eaton Road, Coventry, West Midlands, CV1 2FJ

Payments will be collected by Global Insurance Management Limited, who is Iam Covered’s policy and claims administrator

Global Insurance Management Limited is authorised and regulated by the Financial Conduct Authority.

Financial Services Register Number: 311911.


Within the "cooling off period" - if, after buying a Mechanical Breakdown Insurance policy from Iam Covered, you decide that you do not want the policy after all, simply contact Global Insurance Management Limited within 30 days from receipt of your policy document and, subject to you not having made a claim, Global Insurance Management Limited will cancel all cover. Global Insurance Management Limited will give a full refund of any premium you have already paid within this period.

Outside the "cooling off period" - if you decide to cancel at any time after the initial 30 day cooling off period, any refunds will be made on a pro-rata basis providing you have not made a claim. An administration fee of £30 plus VAT will apply.

For cancellations, please phone 024 7699 7620 or alternatively email;


All transactions are protected by 128 bit SSL encryption software, as verified by VERISIGN. We use WorldPay as our Payment Gateway provider.

Global Insurance Management may contact your bank & the relevant authorities if they suspect any card details or transaction to be fraudulent. This may delay orders but is carried out in the interest of Global Insurance Management & the genuine cardholder.

All information that you supply Global Insurance Management with is stored on their secured servers. Any payment details will be encrypted using SSL technology to prevent unauthorised access. Iam Covered do not keep financial details such as our customers’ bank details and card numbers on our servers. These details are handled by Worldpay and are one of the most trusted organisations for payment gateway services.

Due to the open communication nature of the Internet, we cannot guarantee that communications between you and us, or information stored on our servers, will be free from unauthorised access by third parties.


If you have any concerns about material which appears on our site, please contact iam covered Ltd via email or in writing.

Insured warranties for cars, vans, motorcycles, motorhomes and touring caravans.