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IWA Insurance Backed Guarantees

IWA has been providing Insurance Backed Guarantees and Deposit Protection Schemes since 1985 and we’ve built up an outstanding reputation for trust and honesty amongst our clients from all over the UK.

We protect both suppliers and customers with policies that are user-friendly, easy to understand and with no hidden small print. Our covers provide peace of mind for up to 10 years.





An Insurance Backed Guarantee (IBG) is an essential protection for both customers and suppliers/contractors in the event of the company ceasing to trade. It can cover almost any kind of building work, including:


Air Source Heat Pumps
Artificial Grass
Biomass Boilers
Car Ports
Central Heating Management Systems
Double Glazed Doors
Double Glazed Windows
Garage Conversions
Garage Doors
Garden Rooms


Ground Source Heat Pumps
Loft Conversions
Loft Insulation
PV Management Systems
PV Solar
Thermal Solar
UPVC Decking
Wooden Outbuildings

Insurance Backed Guarantees


If any contractor/supplier employed by the customer ceases to trade, an Insurance Backed Guarantee (IBG) will protect their investment

Life is unpredictable. A company may cease trading due to bankruptcy, compulsory or voluntary liquidation, insolvency, death or retirement of all the principals. Whatever happens, an Insurance Backed Guarantee sets out to honour the terms of the guarantee, originally issued by the contractor.

(Subject to receiving a valid insurance policy and as per the T&C’s enclosed within the policy document)


From a company you can trust

Established in 1985, with over 30 years of experience IWA is the market leader in guarantee insurance and deposit protection.

As a leader in helping the home improvement industry raise its standards, we introduced the IWA Approved Trade Member Scheme. Each trader applying for membership is checked on their qualifications, expertise, financial security and track record of delivering the best service to customers.

IWA continuously monitors customer feedback to ensure that our high standards are maintained.

Highest level of protection

Authorised by the Financial Conduct Authority, IWA Deposit & Guarantee Insurance provide the highest levels of protection for a number of home improvement products:

  • Protection up to 10 years
  • No need to keep renewing, it’s a continuous cover
  • Fully transferable to the new home owner (subject to the T&C’s of the original installers guarantees)
  • Covered by the Financial Services Compensation Scheme (FSCS)

Beware, not all IBGs are the same

There are many providers offering Insurance Backed Guarantees, however not all of them are specialists in the home improvement industry. Their small print may reveal unfamiliar jargon or hidden clauses that do not offer comprehensive protection.

Honest, straight forward policies

IWA takes the jargon away. We ensure that the content of the insurance is straightforward and clear to both the policy holders and IWA Approved Suppliers.

Deposit Protection


We protect the deposit from the moment it’s paid and the Deposit Protection certificate is issued.

Let’s say you paid a deposit to secure home improvement work. Then the worst happened – for whatever reason the trader ceases trading before starting the work. The good news is you are in safe hands – IWA will either protect that deposit and arrange the completion of the contract or will refund it.

(Subject to receiving a valid insurance policy and as per the T&C’s enclosed within the policy document)


Safe investment

We can protect deposits of up to 25% of the cost of the contracted home improvement work (subject to the full T&C’s on the policy document), such as:

  • Bathrooms
  • Building work
  • Conservatories
  • Double glazed windows
  • Garage conversions
  • Heating systems
  • House extensions
  • Kitchens
  • Roofing
  • Plus many more

We will provide you with the best safety net of our premium protection and fast, efficient expert support whenever you need it. With us, you can be sure that:

  • We will route out the cowboys – our trade suppliers are fully vetted and monitored for service excellence
  • You have the convenience of a dedicated customer helpline offering knowledgeable advice and support
  • We are a trusted long-term provider we have been serving customers and the trade for over 30 years
  • We are a FCA authorised insurer
  • Our policies are covered by the Financial Services Compensation Scheme (FSCS)

1st Homes and 1st Solar Energy are trading styles of Energy Efficient Homes Ltd, Langford Hall Barn, Witham Road, Langford, Maldon, CM9 4ST, Reg No 09334108. We are authorised and regulated by the Financial Conduct Authority FRN984451.