Does every installation need an Insurance Backed Guarantee?

Not every home improvement installation needs to be registered with a Competent Person Scheme, but does that mean the customer deserves any less protection?

At PWF, we don’t think so.

Take a conservatory, for example. Depending on the installation and circumstances, it may not require registration through a Competent Person Scheme in the same way as other types of home improvement work. But from the homeowner’s point of view, they've still made a significant investment in their home.

They’ve still placed their trust in an installation company and require reassurance about what happens if something goes wrong in the future.

Insurance Backed Guarantees beyond registered installations

That’s why PWF’s approach to Insurance Backed Guarantees and customer protection goes beyond asking whether an installation has to be registered.

We believe in asking a much simpler question:

We believe in asking a much simpler question:

For us, the answer is yes.

Whether or not an installation requires registration with a Competent Person Scheme, we believe customers should have the benefit of additional protection and peace of mind where an eligible PWF policy is available.

Why customer protection matters to installers

For installers, providing an Insurance Backed Guarantee (IBG) isn’t simply about meeting a registration requirement.

It can also demonstrate to homeowners that you’ve considered what happens beyond the installation itself.

Homeowners may not understand the differences between Building Regulations, Competent Person Schemes, an installer’s own guarantee and an Insurance Backed Guarantee. What they do understand is that they’ve invested money in improving their home and want to know that investment is protected.

That’s why customer protection shouldn’t simply be about meeting the minimum requirement. It should be about doing the right thing for the customer.

Every Customer Deserves Protection.