Terms & Conditions

1. General

These terms of use apply to https://www.insuraguard.co.uk (the 'Website') and any associated mobile applications.

The Website is owned and operated by InsuraGuard ('InsuraGuard', 'us', 'we' or 'our').

'You' and 'your' means you as the user of the Website and/or purchaser of our services.

2. Our Agreement

These terms of use together with our Privacy Policy (collectively the 'Agreement') govern your use of the Website and our services. You should read the Agreement prior to using the Website and, by continuing to use the Website, you are signifying that you agree to the terms.

If you do not agree to the terms of the Agreement, you should not use the Website. You may save and/or print out a copy of the Agreement for future reference.

If you are uncertain about any of the terms of the Agreement, please contact us at support@insuraguard.co.uk and we will respond to your query as soon as we can.

3. Definitions

• "Service" means the insurance-backed guarantee service provided by InsuraGuard
• "System" means your clean energy installation (solar PV, battery storage, etc.)
• "Installer" means the company that installed your System
• "URN" means your Unique Reference Number
• "Coverage Period" means 10 years from your System's commissioning date

4. Changes to the Agreement

We may from time to time make changes to the terms of the Agreement. Please review the Agreement from time to time to ensure that you are aware of any changes made by us. Material changes will be notified to you via email. If you do not agree to such changes, you should not continue to use the Website or our services.

5. Accessing Our Website

Access to the Website is permitted on a temporary basis. We reserve the right to withdraw, disable or amend access to the Website without notice. In addition, we reserve the right to disable your access at any time if, in our opinion, you have failed to comply with any of the provisions of the Agreement.

We accept no responsibility for your inability to access the Website arising out of circumstances beyond our reasonable control.

6. Eligibility

To be eligible for our Service:

• Your System must have been commissioned within the last 12 months
• You must provide valid proof of purchase
• Your System must be installed at a UK address
• You must be at least 18 years old

7. Registration and Payment

4.1 Registration Fee

The one-time registration fee is £99.00. This fee is non-refundable after the 14-day cooling-off period.

4.2 Payment Processing

Payments are processed securely through Stripe. We do not store your payment card details.

4.3 Cover Issuance

Upon successful payment, your insurance cover will be generated immediately and sent to your registered email address.

8. Availability of Services

The services on the Website are available only to residents of mainland England, Wales and Scotland. The information on the Website is only aimed at these residents and, unless we tell you otherwise, we will not accept registrations from anyone else.

We make no representation that any material or service on the Website is available or appropriate for use in other countries or complies with their laws.

9. Coverage

5.1 What is Covered

This insurance-backed guarantee covers defects in workmanship and materials for your System if your Installer ceases to trade during the Coverage Period.

5.2 What is Not Covered

This guarantee does not cover:

• Normal wear and tear
• Damage caused by misuse or neglect
• Damage from extreme weather events
• Modifications made without installer approval
• Issues arising from failure to maintain the System
• Manufacturer defects (covered by manufacturer warranty)

5.3 Coverage Limit

The maximum coverage is limited to the System cost you declared during registration.

10. Making a Claim

6.1 Claim Process

To make a claim:

1. Download and complete the claim form from our website
2. Provide evidence that your Installer has ceased trading
3. Submit all required documentation
4. Allow up to 10 working days for initial assessment

6.2 Required Evidence

You must provide:

• Your URN
• Description of the defect
• Evidence of installer insolvency (Companies House records, etc.)
• Photos or reports documenting the issue

6.3 Claim Assessment

All claims are assessed by our Insurance Partners. We reserve the right to inspect the System before approving a claim.

11. Your Responsibilities

You must:

• Provide accurate information during registration
• Maintain your System in accordance with manufacturer guidelines
• Notify us of any changes to your contact details
• Keep your URN and cover safe
• Report claims promptly

12. Cancellation and Refunds

8.1 Cooling-Off Period

You have 14 days from registration to cancel for a full refund. To cancel, email support@insuraguard.co.uk with your URN.

8.2 After Cooling-Off Period

After 14 days, the registration fee is non-refundable as your coverage is active.

13. Intellectual Property

We (and/or our licensors) own the content, graphics, text, photographs, logos, marks and other contents of the Website (collectively the "Materials"). The Materials are protected by various intellectual property rights including copyright, trademark and database rights.

We expressly reserve all intellectual property rights in the Materials. You are only permitted to retrieve and display the Materials on a computer screen, store Materials in electronic form on disk (but not on any server or other storage device connected to a network) and print one copy of such Materials for your own personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices.

You may not reproduce, modify, copy, distribute, display, broadcast, transmit or use any of the Materials without prior written permission from us.

14. Limitation of Liability

We are careful about the content we display on our Website and we try to ensure that it is safe to access and use, but errors (including inaccuracies and typographical errors) and defects may occur.

Whilst we reserve the right to correct any errors or omissions and make changes to the features, functionality or content of the Website, the Website is provided without any guarantees, conditions or warranties. As such, we cannot guarantee that the Website is or will be error free, free of viruses or other harmful components or that defects will be corrected.

As far as the law allows, we exclude all statements, terms and warranties that may be implied. We will not, under any circumstances, be responsible for any losses you suffer as a result of using the Website that are not as a direct consequence of our behaviour and that we could not have been expected to foresee. In particular, we will not be responsible for losses related to any business (including profits), loss of data or loss of goodwill, whether these losses are direct, indirect, or for any indirect financial losses.

This does not affect our liability for death or personal injury arising from our negligence, our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, or for any other liability which cannot be excluded or limited under applicable law.

Our liability in respect of each insurance-backed guarantee purchased is limited to the coverage amount specified in your cover.

Your statutory rights are not affected by anything in this Agreement.

15. Communication Between You and Us

If you need to contact us about anything relating to the Agreement, you can do so using the details in the 'Contact Information' section below. If we need to contact you, we will do so by telephone, email or post to the contact details provided by you during the registration process or during any subsequent correspondence.

Contracts with us are concluded in English and all communication between you and us will be in English.

16. Data Protection

We process your personal data in accordance with our Privacy Policy and applicable data protection laws.

17. Third-Party Sites and Content

Whilst the Website may contain links to third-party websites, they should not be regarded as an endorsement, affiliation or association with the third-party website in question. If you decide to visit any third-party website, you do so at your own risk.

We are not responsible for the content, accuracy or opinions expressed in such websites and assume no liability for their content. Please remember that when you use a link to go from our Website to another website, our Privacy Policy will no longer apply.

18. Legal Compliance and Applicable Law

You agree to comply with all applicable laws and regulations in England and Wales in connection with your use of the Website and any Materials.

The laws of England and Wales apply to and govern any dispute arising out of or in connection with the Agreement or its subject matter (including non-contractual disputes or claims). All disputes relating to this Agreement or our Website shall be subject to the jurisdiction of the courts of England and Wales.

19. Severability

Should any part of the Agreement be held invalid or unenforceable, that portion shall be construed so that it is compliant with applicable law and the remaining portions shall remain unaltered and in full force and effect.

To the extent that anything in or associated with the Website is in conflict or inconsistent with the Agreement, the Agreement shall take precedence. Our failure to enforce any terms of the Agreement shall not be construed as a waiver of the term or the right to enforce it.

20. Contact Information

For questions about these Terms:

Email: support@insuraguard.co.uk
Address: InsuraGuard, Floor 10, City Tower, Piccadilly Plaza, New York Street, Manchester, M1 4BT