Guarantees
Who is the Consumer protection Association?
- Established since 1993 to assist in the elimination of unscrupulous traders from the home improvement market and to protect the consumer by regulating and raising standards of operation.
- We are not tied to any particular trade and therefore our protection schemes apply to a wide range of products and services.
- Only dealing with proven and accredited contractors, we fully vet them for professional competence and integrity which continues throughout the life of their membership.
- Regulated by the Financial Services Authority (FSA) we offer a range of services to protect the consumer when purchasing home improvements, delivering complete peace of mind from beginning to end, and beyond.
Who is a CPA Member?
- A CPA member is a company that has met our strict criteria which ensures that they are thoroughly professional in their chosen industry.
- Membership is ONLY offered to those companies we feel can offer the consumer a professional, reliable and ethical product and service, and can prove they have the ability to produce the highest quality of work.
- Members who offer Deposit Indemnity and/or Insurance Backed Guarantees on their work include this insurance at no additional cost to you.
CPA Deposit Protection
Many trades require to take a deposit before starting a job, this is usual practice. Making sure your deposit is insured is essential, if it is not and the company fails you will lose your money.
The CPA deposit protection scheme is insurance for the deposit you pay to secure the work to be carried out on your home. This insurance covers a deposit of up to 25% of the agreed price with the company or £7,500 whichever is the lesser.
The policy covers you for a period of up to 90 days from the date you pay your deposit. If you have paid a deposit to a company who then ceases to trade due to liquidation, receivership, administration or winding up the business due to bankruptcy, state retirement or death of the principal(s), your deposit is either refunded to you in full, or the work is completed by another company at the balance agreed price.
CPA Insurance Backed Guarantee
Without insurance backing a company’s guarantee is worthless if they go out of business. When having home improvement works carried out on your property, it is essential to make sure an insurance policy is in place and given to you, by way of business, as part of the overall sale to protect you from unforeseeable circumstances.
This is the best form of protection. However, there are many companies that only ‘offer’ this service and do not give it, leaving many homeowners believing they are covered when they are not.
The guarantee given by the CPA member company is valid the whole time they are trading and so any defects should be corrected by them.
An Insurance Backed Guarantee (IBG) is valuable protection in the unlikely event of the Consumer Protection Association member ceasing to trade.
If, due to the liquidation, receivership, administration or winding up of the business due to bankruptcy, state retirement or death of the principal(s), the company no longer exists, faults appearing after they cease to trade will be covered by the IBG. Depending on the work undertaken the IBG is available for a period up to 10 years and is backed by a UK authorised insurer.
