Double Glazing Guarantees, are they worth the paper they are written
Some firms offer what appear to be fantastic guarantees on their work.
While they may offer useful extra cover, do not choose a company just
because of its guarantee.
Most companies now offer an Insurance Backed Guarantee. It
is important to check out what is actually covered. Is the whole project
including the installation works covered? Are the frames and the glass
covered for different time periods? In the case of conservatories, will
the guarantee also cover the base and groundwork's?
There are a number of organisations around which "sell" insurance
backed guarantees to double glazing companies. One such organisation
Ltd - but there are many others. Another interesting site
is that of the The Consumer Protection
Association. They offer both Deposit
Indemnity and an Insurance Backed Guarantees. They state that deposits
paid to licenced companies for installations can be covered by the Consumerguard
Insurance Scheme provided the sum paid does not exceed £2500 or
25% of the net contract price, which ever is the lessor (subject to conditions).
You may also find that it is more difficult to claim under a guarantee
that you thought. Always read the guarantee carefully, and remember that
whatever the terms on offer your rights under the Supply of Goods and
Services Act 1982 will still apply.
You should note that the insurance part of the guarantee only "kicks
in" if the installing company goes out of business through Bankruptcy
or Liquidation. In some instances it also covers retirement. Please
note, the insurance company will not be able to assist you if you are
unlucky and have a company who will not honour its obligations but
still continues to be in business. In those cases your only alternative
may be to report the company to trading standards or take legal action.
So do not assume that because a company offers an Insurance
Backed Guarantee - that all will be OK. You still need to check the company
out, speak to existing customers, view installations and perhaps
above all - do not be guided by price alone.
One Final Note -
Make sure you receive a copy of the Insurance
Backed Guarantee / Deposit Indemnity paperwork. We have heard
of many instances
of this important paperwork not being handed over.
Image Credits: Nuglas, Dial