Insurance & Financial Protection Framework

FCA-Regulated Insurance Backed Guarantees Hosted Within UK Compliance Infrastructure

Renewably UK Ltd hosts and administers access to the Insurance Backed Guarantee facility operated by Bluedrop Services Ltd, which is authorised and regulated by the Financial Conduct Authority.

Bluedrop Services

2-25 Years

IBG Policy Coverage Period

Instant

IBG Certificate Generation

Certification

Policy Holder Certificate Submission

100%

Bluedrop Services - FCA Regulated

Industry-Leading Coverage

40 Approved Measures Covered

Comprehensive Insurance Backed Guarantees across Net Zero, Part Funded and ATP programmes

Powered by the Bluedrop Services IBG Facility

Heating & Low Carbon

15

measures

Heating Controls

7

measures

Insulation

11

measures

Windows & Doors

3

measures

Renewables

4

measures

Detailed pricing, terms, and programme availability for all measures

As delivery standards across the renewable and retrofit sector continue to evolve, consumer protection and financial safeguards have become central pillars of compliant programme delivery.

Renewably UK Ltd hosts and administers access to the Insurance Backed Guarantee facility (an approved insurance distribution arrangement) operated by Bluedrop Services Ltd. The underlying insurance policies are arranged and underwritten through that facility, which operates under authorization and regulation by the Financial Conduct Authority for its regulated insurance activities.

This structured model ensures installations delivered under Net Zero, Part Funded and ATP routes are supported by robust Insurance Backed Guarantees (IBGs), with clear role separation between facility operation, insurance underwriting, and digital compliance hosting — all operating within a UK-based, ICO-aligned data infrastructure.

What is an Insurance Backed Guarantee?

An Insurance Backed Guarantee (IBG) is a financial protection mechanism that ensures homeowners are covered if their renewable energy installer goes out of business during the guarantee period.

Financial Protection

IBGs protect customers against financial loss if the installer ceases trading before the warranty period expires. The insurance policy steps in to cover repair, replacement, or completion costs.

Regulatory Requirement

For many renewable installations, particularly those covered by TrustMark and PAS2030 / PAS2035 schemes, insurance backed guarantees are mandatory to ensure consumer protection.

Independent Assurance

Unlike company-backed warranties, IBGs are underwritten by independent, FCA-regulated insurance providers, ensuring the guarantee remains valid regardless of the installer's financial status.

Comprehensive Coverage

IBGs typically cover workmanship, materials, and installation defects for periods ranging from 2 to 25 years, providing long-term peace of mind for both installers and customers.

How Insurance Backed Guarantees Work

A simple, streamlined process that protects all parties while maintaining compliance

Registration & Qualification

Join the network of elite installers backed by Renewably UK. Our comprehensive qualification process verifies your MCS certification, TrustMark registration, and business PAS compliance. Bluedrop Services conducts thorough checks of your Professional Indemnity, Public Liability, and Employers Liability Insurances, ensuring you meet the highest standards to deliver premium Insurance Backed Guarantees.

MCS CertifiedTrustMarkPAS 2030PAS 2035FCA CompliantICO Registered

Installation & Documentation

Complete your renewable energy installation to industry standards (MCS, PAS 2030, PAS 2035). Simply enter the installation address, policy holder details, and select the measure from the platform.

Click "Generate Certificates" and the system instantly creates your Insurance Backed Guarantee certificates with all compliance validated automatically.

Complete InstallationEnter DetailsGenerate Certificates

IBG Policy Issuance

Upon certificate generation, policy holders instantly receive their Insurance Backed Guarantee policy document via email. The FCA-regulated certificate, issued through Bluedrop Services, includes full policy details, coverage information, and claims procedures. This immediate delivery ensures customers have instant proof of protection and complete peace of mind.

Instant Email DeliveryFCA RegulatedFull Policy Details

Ongoing Protection & Claims

The IBG provides continuous protection throughout the full warranty period (2–25 years depending on the measure). If the installer ceases trading or is unable to honor warranties, customers can submit claims directly through Bluedrop Services. The insurance provider handles all claims processing, arranges necessary repairs or replacements, and covers all costs, protecting both the customer's investment and the installer's reputation.

2–25 Year CoverageContinuous ProtectionDirect Claims Process

Data Governance & UK Hosting Infrastructure

Three-pillar protection: FCA regulation, TrustMark approval, and ICO-aligned UK data sovereignty

FCA-Regulated Financial Protection

Insurance Backed Guarantees are arranged through the Bluedrop Services facility, which operates under Financial Conduct Authority authorisation. Policies are underwritten by insurers via that facility, ensuring independent financial backing.

FCA authorisation can be independently verified via the Financial Services Register at register.fca.org.uk

TrustMark-Approved Quality Framework

The Bluedrop Services Insurance Backed Guarantee facility has been approved by TrustMark, aligning it with the UK's government-endorsed quality framework for work carried out in and around the home.

TrustMark approval status and framework details are available at trustmark.org.uk

ICO Compliance

All consumer data associated with installations and Insurance Backed Guarantees is recorded and stored via UK-based data centres. Data handling processes are structured to operate in line with ICO requirements under UK GDPR and the Data Protection Act 2018.

Renewably UK Ltd is registered with the ICO under registration number ZC077762

Why Multi-Layered Protection Matters

Financial Layer

FCA regulation ensures independent financial protection remains valid regardless of installer solvency

Quality Layer

TrustMark approval demonstrates alignment with government-endorsed consumer protection standards

Data Security Layer

UK data sovereignty reduces international transfer risk and strengthens audit defensibility under UK GDPR

Benefits for Installers

Strengthen your competitive position and grow your business with confidence

Competitive Advantage

Differentiate yourself from competitors who don't offer IBGs. Win more contracts by demonstrating professional protection and regulatory compliance.

Reputation Protection

Even if your business faces difficulties, your customers remain protected. Your legacy and reputation are preserved through the insurance mechanism.

Regulatory Compliance

Meet TrustMark, MCS, and emerging regulatory requirements. Stay ahead of changing regulations and maintain access to funding schemes.

Customer Confidence

Build trust instantly by offering independent, Bluedrop Services FCA-regulated protection. Convert more leads by addressing customer concerns about business stability.

Access to Funding

Many government schemes, grants, and financing options now require installers who provide insurance backed guarantees.

Professional Status

Position yourself as a premium, professional installer. Join the ranks of the industry's most trusted and compliant businesses.

Audit Readiness & Documentation

IBG certificates are automatically linked to property references, installer records, and version-controlled documentation. Centralised compliance records strengthen audit readiness and eliminate fragmented evidence packs.

UK Data Sovereignty

All customer data and IBG certificates are hosted within UK data centres under ICO-compliant infrastructure. Reduce international transfer risk and demonstrate governance maturity to funding partners.

Benefits for Homeowners

Complete peace of mind for your renewable energy investment

Financial Security

Your investment is protected even if the installer goes out of business. The insurance company covers the full cost of repairs, replacements, or completion work throughout the warranty period.

Independent Protection

Unlike standard warranties that rely on the installer remaining solvent, IBGs are backed by independent, FCA-regulated insurance companies via Bluedrop Services with proven financial stability.

Long-Term Coverage

Protection for 2-25 years, matching the expected lifespan of your renewable energy system. Your solar panels, heat pumps, or other installations are covered.

Simple Claims Process

If needed, claims are handled directly with Bluedrop Services through a straightforward process. No complex legal procedures or disputes with the original installer.

Property Value Protection

Transferable guarantees can enhance property value when selling. Prospective buyers gain confidence knowing the renewable installation is fully protected.

Quality Assurance

Installers offering IBGs must meet strict compliance standards. This ensures you're working with professional, certified installers who follow industry best practices.

Comprehensive Insurance Protection Framework

As part of the qualification and onboarding process, installers are required to maintain core liability and professional insurance coverage. Bluedrop Services provides access to these integrated protection products aligned with sector-specific risk profiles.

Professional Indemnity Insurance

Provides protection against claims arising from professional negligence, specification errors, design miscalculations or technical advice failures — particularly relevant where installers undertake system design, retrofit specification input or technical performance assessments.

Public Liability Insurance

Provides protection against third-party claims relating to property damage or bodily injury during installation works within occupied dwellings.

Employers' Liability Insurance

A statutory requirement in the UK for businesses employing staff, protecting against claims from employees injured in the course of their work.

Integrated Protection Suite

These insurance products are not optional extras — they form part of the qualification framework required to access Insurance Backed Guarantee services. Installers must maintain adequate levels of Professional Indemnity Insurance (PI), Public Liability Insurance (PL), and Employers Liability Insurance (EL).

Bluedrop Services verifies coverage during onboarding and can arrange compliant policies aligned with sector-specific risk profiles and minimum contractual thresholds.

Regulatory Compliance & Standards

Bluedrop Services insurance backed guarantees meet the highest industry standards and regulatory requirements

FCA Regulation

Register installations instantly and generate comp

Insurance Backed Guarantees are arranged through the Bluedrop Services facility, which operates under Financial Conduct Authority authorisation for its regulated insurance activities. Policies are underwritten by insurers via that facility, ensuring the highest standards of financial governance, consumer protection, and regulatory oversight.

  • Full regulatory compliance and consumer protection
  • Independent financial oversight and stability requirements
  • Financial Services Compensation Scheme (FSCS) protection
  • Verification available via FCA Register

Bluedrop Partnership

Register installations instantly and generate comp

Renewably UK Ltd hosts and administers access to the Insurance Backed Guarantee facility operated by Bluedrop Services Ltd. This facility has TrustMark approval and operates under FCA authorisation, providing specialist renewable energy insurance expertise with a proven track record of reliability and claims handling.

  • Specialist renewable energy insurance expertise
  • Instant certificate generation via platform integration
  • Streamlined claims process and support

TrustMark Alignment

Register installations instantly and generate comp

The Bluedrop Services Ltd Insurance Backed Guarantee facility has been approved by TrustMark, the government-endorsed quality scheme for tradespeople in the home improvement and retrofit sector. This approval aligns the facility with nationally recognised quality and consumer protection standards.

  • TrustMark-approved IBG facility for retrofit work
  • Required for many government-funded schemes
  • Framework details at trustmark.org.uk

Industry Standards

MCS, PAS 2030 & PAS 2035

Installers must maintain certification to the latest industry standards to qualify for our insurance backed guarantee program.

  • MCS Certification: Microgeneration Certification Scheme compliance
  • PAS 2030: Installation standards for energy efficiency measures
  • PAS 2035: Retrofit design and installation standards

Legal Compliance & Consumer Rights

Insurance backed guarantees provide legally binding protection under UK consumer law. They fulfill obligations under the Consumer Rights Act 2015 and provide additional protections beyond statutory requirements.

All policies are governed by the Insurance Act 2015 and regulated by the FCA. Homeowners have direct rights to claim against the insurance policy, ensuring no gaps in protection if the installer ceases trading.

Trusted Partners & Accreditations

Partner 1
Partner 2
Partner 3
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Partner 5

Ready to Access FCA-Regulated IBGs Within UK Compliance Infrastructure?

Join hundreds of installers who trust Bluedrop Services for their insurance backed guarantees.

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