To the Consumer Brochure

Insurance
Backed
Guarantees
DEPOSIT PROTECTION | INSURANCE BACKED GUARANTEES
REGULATORY INFORMATION
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
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.
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)
DOUBLE GLAZING
CONSERVATORIES
ORANGERIES
SOLAR PV (PANELS)
SOLAR THERMAL (HOT WATER)
KITCHENS
BEDROOMS
BATHROOMS
ROOFING SYSTEMS
WINDOWS & DOORS
Astley House, 29 Queens Road,
Chorley, Lancashire, PR7 1JU
T: 0845 634 3771
F: 0845 634 3772
E: info@ibg.org.uk
www.insurancebackedguarantee.org.uk
d) Proof of any payments made to the installer
(e.g. Bank/Building society statement)
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
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FASCIAS & SOFFITS
ROOFLINE
AND
• MOST HOME IMPROVEMENTS
• RENEWABLE PRODUCTS
T HE INSUR A NCE BACK ED GUAR A N T EE COMPA N Y
Benefits To Consumers Registered
With The Insurance Backed
Guarantee Company
Safeguard
your
Investment
by using a
Registered
Installer
 Deposit Protection.*
 You

Insurance Backed Guarantee.*
 Contracts up to £200,000 can be covered.*
will receive the Certificate
automatically when your installation is registered by the Installer.
Accreditation
Process of
Registered
Installers
 Any payments made by credit card
or other finance facility are covered.
* 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.
WHAT IS THE INSURANCE
BACKED GUARANTEE COMPANY?
PRODUCTS PROTECTED:*
DOUBLE GLAZING
CONSERVATORIES
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).
DEPOSIT PROTECTION

Your deposit will be insured up to a maximum of 25% of the
contract value.*
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.
INSURANCE BACKED GUARANTEE
Provided a copy of their Terms and Conditions.

Provided a copy of their Written Guarantee.
Carry minimum insurances of: £2m Public Liability.
ORANGERIES
SOLAR PV & THERMAL

FASCIAS
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.*
SOFFITS
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.
GARDEN ROOMS
ROOFLINE
CAR PORTS
PORCHES
GARAGE DOORS
Ensure your investment is protected.
For further information tel: 0845 634 3771

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.
CAVITY WALL INSULATION
LOFT INSULATION
AND
MOST HOME IMPROVEMENTS
The underwriters are Enterprise Insurance Company Plc.
The Insurance Backed Guarantee Certificate protects your
original Product and Workmanship Guarantee provided by the
installer should the installer cease to trade.*
RENEWABLE PRODUCTS
NOTE: IBG Co would only consider a claim if the following three conditions are met:
1. Your installer is a Registered Installer with IBG Co
2.Your installer has registered your installation with IBG Co
3. Your installer has ceased to trade
*NOTE: The scheme does not cover supply
only contracts (for example where the
customer has arranged their own fitting
team for the installation).
To check your Installer has registered your Installation with
The Insurance Backed Guarantee Company call 0845 634 3771
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