As part of our commitment to CE Marking, you can view our Declaration of Performance documents by clicking below:
What is an IBG?
An Insurance Backed Guarantee (IBG) is an insurance policy that is offered or given by an installer to a customer/homeowner to offer protection to cover the installer's own guarantee, so that in the event that the installer should cease to trade or enters into liquidation, any incomplete/unsatisfactory work can be completed or rectified within the guarantee period. An IBG also provides for Deposit Indemnity, so your deposit would also be covered within the guarantee. It also provides further protection to homeowners of up to 10 years cover for the full contract value of the installation, for repairs or replacement. IBGs offer different levels of protection and exclusions or limits depending upon the policy.
The home improvement market is particularly unpredictable with a high percentage of companies ceasing to trade within the first two to three years of trading. Most of them offer their own written guarantees, and these are traditionally for 10 years. An IBG is the most effective way of protecting the installer's written guarantee by covering it with a insurance policy. You can get cover for a maximum of 10 years, so the consumer has more peace of mind that they are covered for the full duration of their guarantee.
The requirements set out by the CLG (Communities and Local Government) state that an installer must do one of the following to comply with the requirements for self certification under Approved Document L:
Offer the customer the option to insure their own installation after the installation has been completed.
Give the customer a Insurance Backed Guarantee. We feel it is important for our customers to have the peace of mind all the way through their project, and also through to their guarantee. This is why we always include GGF insurance cover with every job we install.
We guarantee our products and then we bolster that guarantee by insuring it using the Glass and Glazing Federation insurance scheme. Just in case Eliments should ever cease trading, you can feel confident that you will be covered if you need support within your guarantee.
We feel you really need to be covered by a good IBG provider to support your guarantee, because there are a lot of cheap insurance companies out there who offer IBGs, and you won't know how good they are until you need them. This is why we choose only the best.
What is an Ultra Installer?
For further peace of mind, we are also part of the Ultraframe 'Ultra Conservatory Installer Scheme'.
Click for further details on the Ultra Conservatory Installer Scheme >>
What is FENSA?
If you are replacing glazing in your home, you should ensure that you use an installer who is registered with the Government authorised scheme FENSA (Fenestration Self-Assessment Scheme).
FENSA was set up by industry bodies, with Government encouragement, in response to the Building Regulations for England and Wales which came into effect on 1st April 2002. Anyone who installs replacement windows or doors must comply with the current Building Regulations and thermal performance standards. When the time comes to sell your property, your purchaser's solicitors will ask for evidence that any replacement glazing installed since April 2002 complies with the Building Regulations.
To help protect the consumer, all FENSA Registered businesses are required to provide insurance cover for any deposit they take, and are required to ‘offer’ or ‘give’ homeowners access to Insurance Backed Guarantees (IBG) for up to a 10 year period, to provide cover in the event that the company ceases to trade.
GGF Insurance (GGFi) works very closely with FENSA to provide protection for consumers. Companies that are registered with GGFi are low risk for consumers, because GGFi has strict criteria for joining; this enables GGFi to keep costs low for both glazing companies offering insurance, and for consumers who take up policies through these companies.
GGFi is designed specifically to provide the widest and best cover to consumers purchasing glazing products within the window and door industry.
GGF Insurance (GGFi) is authorised and regulated by the FSA and is underwritten by Red Sands.
Please find below links to some of the relevant industry bodies, as mentioned on this page...