insurance backed guarantees · please note that in the event of a claim the insurance backed...

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Double Glazing Conservatories Windows & Doors Orangeries Fascias & Soffits Roofline Insurance Backed Guarantees DOUBLE GLAZING CONSERVATORIES ORANGERIES SOLAR PV (PANELS) SOLAR THERMAL (HOT WATER) KITCHENS BEDROOMS BATHROOMS ROOFING SYSTEMS WINDOWS & DOORS FASCIAS & SOFFITS ROOFLINE AND MOST HOME IMPROVEMENTS RENEWABLE PRODUCTS Astley House, 29 Queens Road, Chorley, Lancashire, PR7 1JU T: 0845 634 3771 F: 0845 634 3772 E: [email protected] www.insurancebackedguarantee.org.uk The Insurance Backed Guarantee Company is a trading style of The Underwritten Warranty Company Ltd. Registered in England No. 08081532 at Astley House, 29 Queens Road, Chorley, Lancs. PR7 1JU CLAIM PROCEDURE An application for a Claim Form can be made in writing to: The Insurance Backed Guarantee Company Astley House 29 Queens Road Chorley Lancashire PR7 1JU or call the claims department on 0845 634 3771. Please note that in the event of a claim The Insurance Backed Guarantee Company will act as an agent of Enterprise Insurance Company Plc (Enterprise) under a delegated authority in order to deal with your claim in an efficient manner. In order to make a claim, the Insured must provide the following: a) A completed Claim Form. b) A copy of the Installer/Supplier’s Contract & Guarantee (to establish that the faults are covered within the Installer/Supplier’s original Guarantee) c) A copy of the Certificate of Insurance (issued by The Insurance Backed Guarantee Company/Enterprise) d) Proof of any payments made to the installer (e.g. Bank/Building society statement) DEPOSIT PROTECTION | INSURANCE BACKED GUARANTEES REGULATORY INFORMATION All insurance policies issued by The Underwritten Warranty Company Ltd trading as The Insurance Backed Guarantee Company are underwritten by Enterprise Insurance Company Plc (Enterprise). ‘Enterprise’ are registered in Gibraltar No 89698 with a registered office at Suite 3, 2nd Floor, Icom House, 1-5 Irish Town, Gibraltar, GX11 1AA. ‘Enterprise’ is licensed by the Financial Services Commission in Gibraltar under the Financial Services (Insurance Companies) Act to carry on insurance business in Gibraltar, and is subject to limited regulation by the Financial Conduct Authority Registration No. 402277. Details about the extent of the regulation by the Financial Conduct Authority are available on request. ‘Enterprise’ and their policies are covered in the UK by the Financial Services Compensation Scheme (FSCS) which protects the insured in the unlikely event that ‘Enterprise’ are unable to meet their obligations under their contract. ‘Enterprise’ is a member of the Financial Ombudsman Service (FOS). The policies are issued by The Underwritten Warranty Company Ltd trading as The Insurance Backed Guarantee Company on behalf of Enterprise. The Underwritten Warranty Company Ltd is authorised and regulated by the Financial Conduct Authority.

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Double Glazing Conservatories

Windows & Doors Orangeries

Fascias & Soffits Roofline

Insurance Backed

Guarantees

DOUBLE GLAZING

CONSERVATORIES

ORANGERIES

SOLAR PV (PANELS)

SOLAR THERMAL (HOT WATER)

KITCHENS

BEDROOMS

BATHROOMS

ROOFING SYSTEMS

WINDOWS & DOORS

FASCIAS & SOFFITS

ROOFLINE

AND

• MOST HOME IMPROVEMENTS

• RENEWABLE PRODUCTS

Astley House, 29 Queens Road,

Chorley, Lancashire, PR7 1JU

T: 0845 634 3771

F: 0845 634 3772

E: [email protected]

www.insurancebackedguarantee.org.uk

The Insurance Backed Guarantee Company is a trading style of The Underwritten Warranty Company Ltd. Registered in England No. 08081532 at Astley House, 29 Queens Road, Chorley, Lancs. PR7 1JU

CLAIM PROCEDUREAn application for a Claim Form can be made in writing to:

The Insurance Backed Guarantee CompanyAstley House29 Queens RoadChorleyLancashirePR7 1JU

or call the claims department on 0845 634 3771.

Please note that in the event of a claim The Insurance Backed Guarantee Company will act

as an agent of Enterprise Insurance Company Plc (Enterprise) under a delegated authority in

order to deal with your claim in an efficient manner.

In order to make a claim, the Insured must provide the following:

a) A completed Claim Form.

b) A copy of the Installer/Supplier’s Contract & Guarantee(to establish that the faults are covered within the Installer/Supplier’s original Guarantee)

c) A copy of the Certificate of Insurance (issued by The Insurance Backed Guarantee Company/Enterprise)

d) Proof of any payments made to the installer(e.g. Bank/Building society statement)

DEPOSIT PROTECTION | INSURANCE BACKED GUARANTEES

REGULATORY INFORMATION

All insurance policies issued by The Underwritten Warranty Company Ltd trading as The Insurance Backed Guarantee Company are underwritten by Enterprise Insurance Company Plc (Enterprise). ‘Enterprise’ are registered in Gibraltar No 89698 with a registered office at Suite 3, 2nd Floor, Icom House, 1-5 Irish Town, Gibraltar, GX11 1AA. ‘Enterprise’ is licensed by the Financial Services Commission in Gibraltar under the Financial Services (Insurance Companies) Act to carry on insurance business in Gibraltar, and is subject to limited regulation by the Financial Conduct Authority Registration No. 402277. Details about the extent of the regulation by the Financial Conduct Authority are available on request.

‘Enterprise’ and their policies are covered in the UK by the Financial Services Compensation Scheme (FSCS) which protects the insured in the unlikely event that ‘Enterprise’ are unable to meet their obligations under their contract.

‘Enterprise’ is a member of the Financial Ombudsman Service (FOS).

The policies are issued by The Underwritten Warranty Company Ltd trading as The Insurance Backed Guarantee Company on behalf of Enterprise. The Underwritten Warranty Company Ltd is authorised and regulated by the Financial Conduct Authority.

Safeguard your Investment by using a Registered Installer

WHAT IS THE INSURANCE BACKED GUARANTEE COMPANY?

The Insurance Backed Guarantee Company (IBG Co) offers

insurance which protects the deposit consumers make when

placing an order for home improvements with an IBG Co Registered

Installer (up to 25% of the contract value).

The Insurance Backed Guarantee Company also offers Insurance

Backed Guarantees which provide protection to consumers

should the installer cease to trade whilst their installation and

workmanship is still under guarantee. The length of the guarantee

period depends on the type of product installed. This term will be

detailed on the Product and Workmanship Guarantee given to you

by the Installer on completion and on the Certificate of Insurance.

This brochure will detail some of the features and benefits of the

policies arranged by The Insurance Backed Guarantee Company.

We believe that you should be aware of these benefits before you

decide to invest money in your home improvement.

The underwriters are Enterprise Insurance Company Plc.

Ensure your investment is protected.

For further information tel: 0845 634 3771

PRODUCTS PROTECTED:*

DOUBLE GLAZING

CONSERVATORIES

ORANGERIES

SOLAR PV & THERMAL

FASCIAS

SOFFITS

GARDEN ROOMS

ROOFLINE

CAR PORTS

PORCHES

GARAGE DOORS

CAVITY WALL INSULATION

LOFT INSULATION

AND

MOST HOME IMPROVEMENTS

RENEWABLE PRODUCTS

*NOTE: The scheme does not cover supply only contracts (for example where the customer has arranged their own fitting team for the installation).

DEPOSIT PROTECTION

Your deposit will be insured up to a maximum of 25% of the

contract value.*

Although the initial period of cover lasts for up to 90 days, this can be extended for large projects in increments of 30 days duration at your request.*

INSURANCE BACKED GUARANTEE

The Insurance Backed Guarantee Certificate protects your original Product and Workmanship Guarantee provided by the installer should the installer cease to trade.*

You don’t need to apply for the policy or pay for the policy as long as the installer registers your installation with The Insurance Backed Guarantee Company.

You don’t need to send any correspondence to activate the policy.

Deposit Protection.*

Insurance Backed Guarantee.*

Contracts up to £200,000 can be covered.*

You will receive the Certificate automatically when your installation is registered by the Installer.

Any payments made by credit card or other finance facility are covered.

Benefits To Consumers Registered With The Insurance Backed Guarantee Company

NOTE: IBG Co would only consider a claim if the following three conditions are met:

1. Your installer is a Registered Installer with IBG Co2. Your installer has registered your installation with IBG Co3. Your installer has ceased to trade

Accreditation Process of Registered Installers

ALL REGISTERED INSTALLERS MUST HAVE:

Undergone a five point credit and background history

check on the proprietors/directors.

Provided a copy of their most recent accounts.

Provided a copy of their Consumer Contract.

Provided a copy of their Terms and Conditions.

Provided a copy of their Written Guarantee.

Carry minimum insurances of: £2m Public Liability.

ONGOING VETTING:The Insurance Backed Guarantee Company

will arrange the following ongoing vetting of

all registered installers:-

Regular review of credit checks

Regular review of accounts and

management accounts

Annual review of contracts and terms and

conditions

Annual review of public liability insurance

* This is a summary of the features and benefits of this insurance. Cover is subject to the policy conditions. For further information including exclusions and limitations please contact The Insurance Backed Guarantee Company (IBG Co.) and we will provide a sample policy certificate and wording.

To check your Installer has registered your Installation with The Insurance Backed Guarantee Company call 0845 634 3771

THE INSURANCE BACKED GUARANTEE COMPANY