How to improve your home with complete confidence Putting the pro back into home improvement. WHO IS THE CPA? PEACEOFMINDDELIVEREDTOYOU.WHENLOOKINGFORASAFE,RELIABLE CONTRACTORDON’TTAKEUNNECESSARYRISKS.THINKOFTHECPA. •Establishedsince1993to assistintheeliminationof unscrupuloustradersfromthe homeimprovementmarket andtoprotecttheconsumer byregulatingandraising •Wearenottiedtoany particulartradeandtherefore ourprotectionschemesapply toawiderangeofproducts andservices. •Onlydealingwithprovenand accreditedcontractors,we fullyvetthemforprofessional competenceandintegrity whichcontinuesthroughout thelifeoftheirmembership. standardsofoperation. Important Youshouldreadtheinformationwithinthisleafletandtheinsuranceapplicationformscarefully astheydealwithallnecessarydisclosurethatisrequiredbytheFinancialConductAuthority. FOR FORMORE MOREiNFORMAtiON iNFORMAtiON Visit: Visit:www.thecpa.co.uk www.thecpa.co.uk •RegulatedbytheFinancial ConductAuthority(FCA)we offerarangeofservices toprotecttheconsumer whenpurchasinghome improvements,delivering completepeaceofmindfrom beginningtoend,andbeyond. Finding a safe, reliable contractor to carry out home improvements on your property has never been easier. The Consumer Protection Association delivers peace of mind! FORMORE MOREiNFORMAtiON iNFORMAtiONVisit: Visit:www.thecpa.co.uk www.thecpa.co.uk FOR FOR MORE iNFORMAtiON Visit: www.thecpa.co.uk WHO IS A CPA MEMBER? WHEREONLYTHEBESTWILLDOOUR PORTFOLIOSPEAKSFORITSELF. •ACPAmemberisacompany thathasmetourstrictcriteria whichensuresthattheyare thoroughlyprofessionalintheir chosenindustry. •MembershipisONLYoffered tothosecompanieswefeelcan offertheconsumera professional,reliableand ethicalproductandservice, andcanprovetheyhavethe abilitytoproducethehighest qualityofwork. •MemberswhoofferDeposit Indemnityand/orInsurance BackedGuaranteesontheir workincludethisinsurance atnoadditionalcosttoyou. FORMORE MOREiNFORMAtiON iNFORMAtiON Visit: Visit:www.thecpa.co.uk www.thecpa.co.uk FOR PUTTING THE PRO BACK INTO HOME IMPOVEMENT CHECKINGAMEMBERSTRACKRECORD TheCPAisoneoftheonly organisationstocontinually monitorEVERYmemberonthe levelsoftheirservice,products andworkcarriedout. Areportisproducedquarterly bytheCPAinordertoassist thememberinmaintaining, andwherepossibleimproving standardsofqualityandservice. Customersofeverymember aresurveyedaftertheworkhas beencompletedontheirhomes. Thisreportisalsoavailable onrequesttocustomersof ourmembersinorderto giveyoupeaceofmindthat youaredealingwitha reputablecompany. HOW tO VALiDAtE A CPA MEMBER If you have found a contractor to carry out your home improvements work but want to confirm their membership with us simply enter in their Unique Membership Code and the Company Name online at www.thecpa.co.uk under CPA Approved Trades -“Validate a CPA Member” or call our helpline on 01462 850064. Important notice You MUST apply for your Insurance Backed Guarantee otherwise you will not be covered. Once work has been completed ask the CPA member for an Insurance Backed Guarantee form. You must apply for this within 28 days of the contract being completed to your entire satisfaction and once you have paid the CPA member. When we have processed your application you will be sent an Insurance Certificate. Without this certificate you are not insured therefore if you do not receive it within 28 days contact us. FOR FORMORE MOREiNFORMAtiON iNFORMAtiON Visit: Visit:www.thecpa.co.uk www.thecpa.co.uk CPA DEPOSIT PROTECTION BEPROTECTEDFROMTHEWORD“GO”. Manytradesrequiretotakea depositbeforestartingajob, thisisusualpractice.Making sureyourdepositisinsured isessential,ifitisnotandthe companyfailsyouwilllose yourmoney. TheCPAdepositprotection schemeisinsuranceforthe deposityoupaytosecurethe worktobecarriedoutonyour home.Thisinsurancecovers adepositofupto25%ofthe agreedpricewiththecompany or£7,500whicheveristhelesser. Thepolicycoversyoufora periodofupto90daysfromthe dateyoupayyourdeposit.Ifyou havepaidadeposittoacompany whothenceasestotradedue toliquidation,receivership, administrationorwindingup thebusinessduetobankruptcy, stateretirementordeathof theprincipal(s),yourdepositis eitherrefundedtoyouinfull, ortheworkiscompletedby anothercompanyatthebalance agreedprice. CPAwillnotprovideyouwithapersonalrecommendationastowhetherDepositIndemnityInsuranceissuitableforyourneeds. IfyouarenotsurewhatDepositIndemnityispleasedonothesitatetocontactoneofouradvisorson01462850064. FOR FORMORE MOREiNFORMAtiON iNFORMAtiON Visit: Visit:www.thecpa.co.uk www.thecpa.co.uk Important Importantnotice notice You YouMUST MUSTRegister Registeryour your deposit depositotherwise otherwiseyou you will willnot notbe becovered. covered. When Whenpaying payingyour yourdeposit deposit you youmust mustask askthe theCPA CPA member memberfor foraaDeposit Deposit Registration Registrationform. form.This This must mustbe bereturned returnedtotous us by byrecorded recordeddelivery delivery within within77days. days. FOR FORMORE MOREiNFORMAtiON iNFORMAtiON Visit: Visit:www.thecpa.co.uk www.thecpa.co.uk CPA INSURANCE BACKED GUARANTEE PROTECTINGYOURGUARANTEEFORUPTO10YEARS. Withoutinsurancebacking acompany’sguaranteeis worthlessiftheygoout ofbusiness. inplaceandgiventoyou,by wayofbusiness,aspartofthe overallsaletoprotectyoufrom unforeseeablecircumstances. Whenhavinghomeimprovement workscarriedoutonyour property,itisessentialtomake sureaninsurancepolicyis Thisisthebestformof protection.However,thereare manycompaniesthatonly‘offer’ thisserviceanddonotgive it,leavingmanyhomeowners believingtheyarecoveredwhen theyarenot. TheguaranteegivenbytheCPA membercompanyisvalidthe wholetimetheyaretrading andsoanydefectsshouldbe correctedbythem. AnInsuranceBackedGuarantee (IBG)isvaluableprotectioninthe unlikelyeventoftheConsumer ProtectionAssociationmember ceasingtotrade. If,duetotheliquidation, receivership,administrationor windingupofthebusinessdue CPAwillnotprovideyouwithapersonalrecommendationastowhetheranInsuranceBackedGuaranteeissuitableforyourneeds. IfyouarenotsureonwhatanInsuranceBackedGuaranteeis,pleasedonothesitatetocontactoneofouradvisorson01462850064 FOR FORMORE MOREiNFORMAtiON iNFORMAtiON Visit: Visit:www.thecpa.co.uk www.thecpa.co.uk tobankruptcy,stateretirement ordeathoftheprincipal(s),the companynolongerexists,faults appearingaftertheyceaseto tradewillbecoveredbythe IBG.Dependingonthework undertakentheIBGisavailable foraperiodupto10years. HOW tO VALiDAtE A CPA MEMBER If you have found a contractor to carry out your home improvements work but want to confirm their membership with us simply enter in their Unique Membership Code and the Company Name online at www.thecpa.co.uk under CPA Approved Trades -“Validate a CPA Member” or call our helpline on 01462 850064. Important notice You MUST apply for your Insurance Backed Guarantee otherwise you will not be covered. Once work has been completed ask the CPA member for an Insurance Backed Guarantee form. You must apply for this within 28 days of the contract being completed to your entire satisfaction and once you have paid the CPA member. When we have processed your application you will be sent an Insurance Certificate. Without this certificate you are not insured therefore if you do not receive it within 28 days contact us. FORMORE MOREiNFORMAtiON iNFORMAtiON Visit: Visit:www.thecpa.co.uk www.thecpa.co.uk FOR IMPORTANT INFORMATION ABOUT OUR INSURANCE SERVICES Initial Disclosure & Keyfacts 1 The Financial Conduct Authority (FCA) TheFCAistheindependent watchdogthatregulates financialservices.Usethis informationtodecideifour servicesarerightforyou. 2 Whose products do we offer? Weonlyofferproductsthrough asingleinsurerfordeposit indemnityandguarantee insurance.(Ifyouwishtoknow theirdetailspleasecontactus.) 3 Which service will we provide you with? Youwillnotreceiveadvice orarecommendationfrom usfordepositindemnityand guaranteeinsurance.We willonlyprovideyouwith FORMORE MOREiNFORMAtiON iNFORMAtiON Visit: Visit:www.thecpa.co.uk www.thecpa.co.uk FOR FOR MORE iNFORMAtiON Visit: www.thecpa.co.uk suitableinformationaboutour availableinsuranceproducts; youwillthenneedtomake yourownchoiceabouthow toproceed. 4 Will you have to pay us for our services? Youwillnothavetopayanyfee inrespectofdepositindemnity andguaranteeinsurance. 5 Who regulates us? CPAConsumerGuard Limited,11North BridgeStreet,Shefford, Bedfordshire,SG175DQis authorisedandregulated bytheFinancialConduct Authorityinrespectof insurancemediation activitiesonly.OurFCA numberis306009.Our permittedbusinessis advisingonandarranging insurances. ConsumerProtection Associationisanappointed representativeofCPA ConsumerGuardLimited. Youcancheckthisonthe Finding a safe, reliable FCA’sregisterbyvisiting contractor to carry out theirwebsite:www.fca.gov. home improvements on uk/registerorbycontacting your property has never themon0845 been easier.606 The9966. Consumer Protection Association to do if you have 6 What delivers peace of mind! a complaint. Ifyouwishtoregister acomplaint,please contactus: inwriting: CPA Consumer Guard Limited 11 North Bridge Street Shefford, Bedfordshire SG17 5DQ byphone: 01462 850062 Ifyoucannotsettleyour complaintwithusthenyou maybeentitledtoreferit totheFinancial OmbudsmanService. 7 We are covered by the Financial Services Compensation Scheme (FSCS). CPAConsumerGuardLimited andtheConsumerProtection Associationarebothcovered bytheFSCS.Underthis schemeyoumaybeentitled tocompensationifeither firmareunabletomeettheir obligations.Thisdependson thetypeofbusinessandthe circumstancesoftheclaim. Insuranceadvisingand arrangingiscoveredfor100% ofthefirst£2000and90%of theremainderoftheclaim, withoutanyupperlimit. Furtherinformationabout thisschemeisavailable fromtheFSCS. FOR MORE iNFORMAtiON Visit: www.thecpa.co.uk Consumer Protection Association is an appointed representative of CPA Consumer Guard Ltd who are authorised and regulated by the Financial Conduct Authority Version 2 Consumer Protection Association. CPA House, North Bridge Street, Shefford, Bedfordshire, SG17 5DQ. Tel: 01462 850062 www.thecpa.co.uk Email: [email protected]