Your customer’s biggest worry isn’t always your price. It’s what happens if something goes wrong six months after you’ve finished — and there’s nobody to come back and put it right.
That’s the fear that pushes people towards the big national names. They assume a big company will still be there.
Size isn’t the same as staying power. But you won’t win that argument standing in someone’s kitchen. What you can do is put an Insurance Backed Guarantee in your quote — so the worry is answered before it’s asked.
Why big showrooms keeps winning
A kitchen is a major spend, and homeowners protect big spends by playing safe.
A national brand feels like the safe option because they assume it’ll still exist in five years.
As an independent, you carry an unfair doubt: “What if they vanish and I’m stuck?” It has nothing to do with your ability.
But it can cost you jobs.
How an Insurance Backed Guarantee helps
An Insurance Backed Guarantee sits behind your own company written guarantee.
If your company ceases to trade during the term, the insurance backed guarantee comes into effect — subject to the terms and conditions of the policy.
So the homeowner no longer relies on you simply staying in business.
You’ve just matched one thing the big showroom had over you.
| The homeowner’s worry | Your answer with an Insurance Backed Guarantee |
|---|---|
| “What if the fitter ceases trading 6 months after the installation is complete?” | That’s what the insurance backed guarantee is designed to cover * |
| “The showroom feels more of a sure thing” | You carry the same kind of protection they do |
| “Is the company guarantee actually worth anything?” | It’s insurance backed, not just a promise on paper |
* Subject to the terms and conditions of the policy.
How to include an Insurance Backed Guarantee
The Insurance Backed Guarantee is part of the guarantee you’re giving — not a product you’re selling alongside it. So it doesn’t go on the quote as its own line with its own price.
Bundle it into your price and say so in one line:
“This quote includes an Insurance Backed Guarantee from HomePro.”
And when they ask what it covers — some will — don’t answer it. Explaining what an insurance policy covers is a regulated activity, so that one goes to your provider. With HomePro, you hand over the leaflet, give them our contact number, or even ask your Account Manager to call your customer, and let us take it from there. That’s what we’re here for.
Reviews turn one win into the next
With HomePro, every Insurance Backed Guarantee you register forms part of your customer review process. Register the job, and the review request goes with it. It’s built in. And the reviews you get show on your own profile page.
And they are real.
The homeowner writes the review themselves, off the back of a job you actually did. In a market where people have learned to squint at every five-star rating, that difference shows.
Want to beat the kitchen chains on trust as well as price?
HomePro gives independent kitchen fitters Insurance Backed Guarantees, a recognised badge, and a homeowner-reviewed profile that helps you win work. Call 0800 131 0500 (Mon–Fri, 9am–5pm) or join here.
Frequently asked questions
Will an Insurance Backed Guarantee help me win against national kitchen firms?
It levels the main advantage they hold. The feeling of being a safer bet — by giving the homeowner insurer-backed cover.
Do kitchen fitters have to have one?
No, it isn’t compulsory for kitchens. Though TrustMark-registered businesses must provide financial protection.
Is it separate from appliance warranties?
Yes. Appliance and worktop warranties cover the products. The Insurance Backed Guarantee underwrites your company written guarantee if your company ceases trading subject to the policy terms and conditions.
Can I pass the cost to the customer?
Not as a separate line. You’re including it for your customers, which means you provide it as part of your quote.
Join UK installers who provide FCA-regulated Insurance Backed Guarantees with every job through HomePro. Call 0800 131 0500 or join the HomePro network today.
Disclaimer: This post is for general information only. It is not financial, legal or insurance advice. While we take care to make sure the information is accurate, scheme rules, legal requirements and third-party details can change without notice — always check the latest position with the relevant scheme or official body before acting on anything here. HomePro accepts no liability for any loss arising from errors or omissions in, or reliance on, the information in this article. Insurance Backed Guarantees are subject to the terms, conditions and limitations of the individual policy.
