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One of the most common questions homeowners ask about Insurance Backed Guarantees is a practical one: what does it actually cost? In most cases, nothing extra to the homeowner. The guarantee is arranged and paid for by the contractor as a condition of the contract, not sold to you as a separate add-on — the specific cost to the contractor is a commercial matter between them and their guarantee provider, not something typically published, in the same way a builder's public lia

If you're about to pay a deposit for a home improvement project, "is my deposit protected?" is the single most useful question you can ask before signing anything. Deposits are usually unprotected by default. Paying a builder a deposit doesn't automatically come with any legal protection — if the business fails before starting or finishing the work, homeowners are often left pursuing an unsecured claim. Insurance Backed deposit protection changes that, where a contractor has

A builder ceasing trading partway through a loft conversion is one of the situations homeowners worry about most, and for good reason. Construction insolvencies have affected thousands of UK homeowners in recent years, often mid-project, with deposits paid and work half-finished. What actually happens if it occurs? Without any protection in place, a homeowner is typically left as an unsecured creditor of the insolvent business, meaning recovering a deposit or the cost of fini