If your window installer is a member of a Competent Person Scheme, such as FENSA, they will have purchased an Insurance Backed Guarantee (IBG) policy in your name. (Or a GGFi IBG policy – before becoming Installsure we were known as GGFi.)
Installsure offers a simple search facility for homeowners to check or find their local Installsure member.
If you've already completed a claim application and wish to check the status of your claim, you can also do this by entering your policy number and postcode on the claims application page.
We'll keep you up to date at each step of the claims process
All claims will be handled fairly and decisions made promptly
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An IBG, or insurance backed guarantee, is an insurance policy that provides cover for a guarantee in the event the company that issued the guarantee ceases to trade, meaning when it is legally brought to an end because it cannot pay its debts.
IBGs are not guarantees themselves but insurance products that back guarantees. For this reason it can be more useful to refer to them as guarantee insurance policies or warranty insurance policies.
A guarantee insurance policy provides cover in the event that a company that has given a guarantee to a customer ceases to trade, meaning when it is legally brought to an end because it cannot pay its debts. If there is subsequently a problem with the installation that would otherwise have been resolved by the installer’s guarantee, a claim can be submitted to the IBG provider (assuming the homeowner in question has a policy).
A guarantee insurance policy is taken out on a replacement window or door installation by the installer on behalf of the property owner.
While the installer pays for the policy, the property owner becomes the policyholder.
The installer provides the policy documentation to the policyholder.
Policy documents are sent out to homeowners following the registration of works with the policy provider by the installation company.
If you’ve misplaced these you can contact the insurance provider for replacement documents.
If you are unsure if you actually have an IBG policy, you can contact the insurance administrator in question to check if there is one in place. If you’re unsure who the insurance provider is, you can contact your installation company to confirm who should have provided you with these documents.
To check if you have an Installsure IBG policy contact our team at firstname.lastname@example.org.
Find local Installsure backed installers using our Locate an Installer search.
Verify an installer is backed by Installsure using our Check an Installer search.
If you’re having windows or doors replaced in England or Wales, any installer that is part of a Competent Person Scheme (such as FENSA) is obliged by law to provide you with an IBG policy.
If you are having work carried out on your property that doesn’t require the mandatory provision of an IBG policy, it is still possible to request one. Guarantee insurance is a sensible precaution for any home improvement work.
Since an IBG provides cover on the installer’s guarantee, we’ll need to assess the installation company in question. Please speak to your installer and ask them to contact us so they can arrange one on your behalf.
If you have an IBG policy with us and need to make a claim, we would first advise reading the ‘how to make a claim’ section of your policy to gain a full understanding as to the documentation you will need to supply for a claim.
It is then a simple case of completed our online claim submission form and ensuring this is submitted to us. Our claims handling team can then assess the claim and keep you informed of any relevant questions or updates.
The claim submission form can be found HERE.
As Installsure is an insurance administrator and not a standards body or regulator, we are unable to assist directly in disputes between homeowners and installers.
As long as the installation business in question is still trading, it is responsible for resolving any defects or other issues that would be recoverable through its guarantee.
If you continue to be unsatisfied with your installer’s response to your issues, we recommend seeking legal advice to assist with the next steps of resolution.
Alternatively, if your installer is a member of a trade federation (such as the Glass and Glazing Federation) you may have access to conciliation that can help with resolving disputes.
When the Contractor is a Sole Trader:
When the Contractor’s Business is a Partnership:
Your installation company has purchased an Installsure Insurance Backed Guarantee (IBG) policy on your behalf for the work they recently completed on your property. The insurance is protection against the insolvency of a business.
As a result, the installer has provided you with extra protection and peace of mind. We would recommend you familiarise yourself with the terms of your IBG policy.
For more information on IBGs and the cover it provides you can download our Homeowner Policy Leaflet and the Insurance Policy Information Documents (IPID) of the Redsands or GPI scheme your contractor has been approved on.