For most drivers, a breakdown is an inconvenience. For a tradesperson, courier or sole trader, it’s lost income. When your van is how you earn, every day it’s off the road is a day of missed jobs, cancelled appointments and unhappy customers — on top of the repair bill itself.
Downtime is the real cost
The invoice from the garage is only part of what a van failure costs you. There’s the work you can’t do, the customers who go elsewhere, and sometimes the hire cost of a temporary replacement just to keep going. A single significant fault can wipe out far more than the price of the repair.
That’s why cover for a working van isn’t a luxury — it’s a way of protecting the income the van generates.
Vans work harder, so they wear faster
Vans tend to rack up high mileage quickly and carry heavy loads day in, day out. That workload puts real strain on mechanical and electrical components, and the manufacturer’s warranty rarely lasts as long as the van stays in service. Once it expires, the cost of keeping a hard-worked vehicle running falls entirely to you — usually just as the miles and the wear are climbing.
What cover should do for a working vehicle
I Am Covered offers fully insured warranties for vans as part of a single policy structure shared across all five vehicle types. That means:
- 12 months of mechanical and electrical failure cover, fully insured.
- One straightforward policy — no tiered upsells or loadable optional extras to inflate the price.
- A £50 contribution toward recovery on valid claims, where no other recovery is in place.
- Cover across the UK, Channel Islands and mainland Europe, up to 60 consecutive days per trip.
- No pre-policy servicing required, provided the van is maintained to manufacturer recommendations.
Predictable costs for an unpredictable job
Running a small business means budgeting carefully. An unexpected repair bill can throw a month’s figures out completely. A warranty turns that risk into a known, manageable cost — pay in full or spread it by monthly direct debit — so a mechanical failure doesn’t become a cash-flow crisis.
Your van keeps your business moving. Cover helps keep your van moving.
Get a quote at iamcovered.co.uk.
Warranty cover is arranged by I Am Covered Ltd and administered by Global Insurance Management Ltd. Warranty policies are underwritten by Acasta Europe Insurance Company Limited. I Am Covered Ltd is authorised and regulated by the Financial Conduct Authority, Register No. 927988.