Cavity Insulation Guarantee Agency

What Cavity Insulation Guarantee Agency does

Cavity Insulation Guarantee Agency (CIGA) is an independent UK-based guarantee agency established in 1995 following consultation with the Government's Energy, Environment and Waste Directorate. It issues independent 25-year transferable guarantees covering defects in materials or workmanship for cavity wall insulation (CWI) installed by its network of registered installers across the UK and Channel Islands. CIGA operates the CWISC Competent Persons Scheme for the CWI industry and works through a tightly integrated ecosystem of 15 approved system designers (including Knauf, Rockwool, SIG Distribution, Superglass, and Saint-Gobain Isover), IAA-certified installers, and 31 approved remediation framework contractors.

CIGA's product portfolio centers on a core 25-year CWI guarantee, supported by the CIGA-ISA surveillance platform (100% desktop audit, 1-in-10 physical on-site inspection, £10 per property under PAS2030-17), a New Build Guarantee for new construction (£35+VAT per property, launched April 2018), a remediation contractors framework handling claims up to £20,000 per property, and an Independent Arbitration service operated through CEDR. The organization also publishes consumer guidance, runs training workshops on EHC and PAS2030/2035 standards, and engages with BEIS, NHBC, TrustMark, and the National Insulation Association on industry standards.

CIGA's revenue model is transaction-based and self-sustaining, funded primarily through per-property guarantee fees and per-assessment fees paid by installer members, with supplementary income from duplicate guarantee certificates, training workshops, and arbitration fees. Since 1995, CIGA has issued over 6.2 million guarantees covering approximately 1 in 4 British properties, accumulated 21,203 claims since 2016 at a current claim rate of 0.42%, and reports saving 26.2 million tonnes of CO2 and over £6.2 billion in household energy bills. The company is registered in England and Wales (company number 03044131), headquartered in Leighton Buzzard, and operates with 11-50 employees and no external venture or institutional funding.

Name

Cavity Insulation Guarantee Agency

Legal name

Cavity Insulation Guarantee Agency Ltd

Website

https://ciga.co.uk

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

CIGA is an independent UK guarantee agency issuing 25-year transferable guarantees for cavity wall insulation installations. It serves homeowners, registered installers, system designers, house builders, and social landlords through certification, independent surveillance, and remediation services across the UK and Channel Islands.

Ownership category

akta.pro rank

Headquarters

HQ city

Leighton Buzzard

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Supply Chain, Marketing or Sales

Revenue model

1. Guarantee Fees: CIGA generates revenue through guarantee fees paid by installer members. New Build Guarantee costs £35 + VAT for 25-year coverage. The guarantee is issued against the property rather than the individual homeowner.
2. Assessment Services: Independent Surveillance of Assessment services at £10 per property assessment under PAS2030-17 requirements. Properties referred receive free assessment if issues are correctly addressed.
3. Remediation Framework: CIGA manages a Procurement Framework of approved remediation contractors to deliver guaranteed works. This removes burden from customers to obtain quotes and organize contractors directly.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

CIGA provides independent 25-year guarantees covering defects in materials or workmanship for cavity wall insulation fitted by registered installers in the UK and Channel Islands. The organisation also operates the CIGA-ISA surveillance platform for property suitability assessments under PAS2030-17, manages a procurement framework of approved remediation contractors, and offers dispute resolution through independent arbitration.

Product overview

CIGA (Cavity Insulation Guarantee Agency) operates as a single unified guarantee product — providing independent 25-year guarantees for Cavity Wall Insulation installed by registered installers in the UK and Channel Islands. The core guarantee covers defects in materials or workmanship, is transferable to subsequent property owners, and is backed by a network of remediation framework contractors and a Consumer Focus committee. Supporting this core product are: the CIGA-ISA platform (for property suitability assessments and independent surveillance under PAS2030-17), the New Build Guarantee (for new construction CWI), the Registered Installer Directory (powered by The IAA), System Designer approval (for approved insulation systems), the Consumer Concern Reporting service (with defined performance timelines), and Independent Arbitration via CEDR for dispute resolution. CIGA also provides workshops on EHC and PAS2030/2035 standards, and publishes educational materials on CWI systems (Mineral Wool, Polystyrene Bead, UF Foam).

Differentiator

Problem solved

Functional benefit

Products and services

• 25-Year Cavity Wall Insulation Guarantee Independent 25-year guarantee covering defects in materials or workmanship for Cavity Wall Insulation fitted by CIGA registered installers in the UK and Channel Islands. Cover is issued against the property and is transferable to subsequent owners on sale.
• CIGA-ISA (Independent Surveillance of Assessment) Platform Dedicated online platform for installer members to fulfil Independent Surveillance needs under PAS2030-17. Provides a 100% desktop audit of property suitability assessments with 1-in-10 receiving a physical on-site inspection, and a 4-day turnaround. Fixed at £10 per property assessment.
• New Build Guarantee A 25-year guarantee for Cavity Wall Insulation installed in new build properties. Available to member installers, requiring GPS and date-stamped images of each elevation uploaded to the CIGA-ISA platform after installation, desktop-assessed before guarantee issuance. Priced at £35 + VAT with surveillance charged separately at £10.
• Remediation Contractors Framework CIGA's Procurement Framework of 31 approved remediation contractors established to deliver guaranteed remediation works under the guarantee terms. Maximum rectification value of £20,000 per property. Removes the burden from homeowners of obtaining quotes and organising contractors directly.
• EHC and PAS2030/2035 Workshop Workshop covering changes under ECO3 and the Each Home Counts (EHC) Quality Mark, including PAS2030 and PAS2035 update. Includes sessions on TrustMark, claims management, legal guidance, and GDPR implications. Priced at £40 inc VAT; Claims Management Workshop at £80 inc VAT; combined at £110 inc VAT.

Quantifiable outcome

• 0.42% claim rate on 6.2 million guarantees issued since 1995
• +4 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

13 partnerships are on record, tiered core and minor.

• KIWA BDAcoreTechnology or IntegrationMutual recognition agreement where CIGA recognises KIWA BDA System Assessment and KIWA recognises CIGA Certification of installers against PAS 2030 as meeting BDA Agrément Assessment and Surveillance requirements. Provides alternative product certification route for System Designers alongside existing BBA arrangement.
• British Board of Agrement (BBA)coreTechnology or IntegrationCIGA continues to recognise approval and certification under the BBA assessment of surveillance of CWI installers scheme. BBA provides product certification for cavity wall insulation systems.
• The Installation Assurance Authority (IAA)coreStrategic or Co-development PartnerCIGA and IAA work closely together. All CIGA registered installers are assessed for competence through The IAA. The IAA's technical department supports CIGA guarantee claims. Both organisations share focus on professionalism and ensuring cavity wall insulation installations meet highest standards.
• TrustmarkcoreStrategic or Co-development PartnerTrustMark is referenced in relation to ECO3 and Each Home Counts (EHC) quality mark. Installations under government schemes must be carried out by TrustMark registered installers. CIGA's Phil Mason provides update on EHC and TrustMark.
• SIG InsulationminorGTM or Marketing PartnerSponsor of CIGA Conference 2018. SIG Insulation provides end to end support from supply of systems to training, approval, technical support and product know-how through their extensive branch network.
• Knauf InsulationminorGTM or Marketing PartnerSponsor of CIGA Conference 2018. Knauf Insulation is one of the world's largest manufacturers of insulation products.
• EvolveminorGTM or Marketing PartnerSponsor of CIGA Conference 2018.
• KIWA BDAminorGTM or Marketing PartnerSponsor of CIGA Conference 2018.
• Centre for Effective Dispute Resolution (CEDR)coreStrategic or Co-development PartnerCIGA appointed CEDR as nominated provider for Independent Arbitration Services. CEDR is approved by Chartered Trading Standards Institute and provides independent arbitration for disputes between homeowners and CIGA under the guarantee.
• National Insulation Association (NIA)minorStrategic or Co-development PartnerListed as a link/resource. NIA is described as 'the definitive voice of the insulation industry'.
• Energy Savings TrustminorStrategic or Co-development PartnerListed as a link/resource for information on installing cavity wall insulation.
• Department for Business, Energy and Industrial Strategy (BEIS)coreStrategic or Co-development PartnerGovernment department providing policy direction on energy efficiency. CIGA works with government to help improve standards and has participated in Each Home Counts review. Richard Mellish from BEIS provided talk on future of Energy Company Obligation (ECO).
• National Housing Building Council (NHBC)minorStrategic or Co-development PartnerNHBC has identified cavity wall insulation as one of top five problem areas in quality reviews of new build housing, suggesting house builders should introduce post installation thermal imaging.

Scale indicators10 records

Recent moves10 records

Expansion highlights5 records

Broad incumbents

• National House Building Council (NHBC): The UK's leading new-build warranty and building control provider. NHBC is comparable to CIGA as a major UK building warranty organization, though its scope is much broader (full new-build warranty vs. CIGA's CWI-specific 25-year guarantee). NHBC has explicitly flagged CWI as a problem area, putting it in direct dialogue with CIGA.

Direct peers

• Premier Guarantee: UK structural warranty provider for new-build and conversion projects, owned by MD Insurance Services. Comparable to CIGA as a long-duration building warranty underwriter serving residential developers and homeowners in the UK.
• LABC Warranty: UK structural warranty provider backed by Local Authority Building Control. Directly comparable to CIGA as a competing long-term building warranty provider serving residential construction, with similar risk-underwriting and claims-management functions.
• Build-Zone: UK provider of latent defect warranties for new-build and conversion properties. Comparable to CIGA in the long-tail building warranty segment, with overlapping customer base among residential developers.
• TrustMark: UK government-endorsed quality scheme for tradespeople and retrofit installers. TrustMark is a CIGA partner but operates a comparable consumer-protection and installer-accreditation function for energy efficiency work, directly intersecting CIGA's installer certification flow.

Others

• The Installation Assurance Authority (IAA): UK body that assesses and certifies cavity wall insulation installers on behalf of CIGA. IAA is a strategic partner rather than competitor, but its certification function is structurally adjacent and a key dependency for CIGA's installer network.
• British Board of Agrément (BBA): UK product certification body for construction products, including CWI systems. BBA is a CIGA-recognized certification partner, and its surveillance/certification function is adjacent to CIGA's own installer and system approval activities.
• KIWA BDA: European testing, inspection and certification body with mutual recognition agreement with CIGA for installer and product certification under PAS2030. Adjacent in providing system assessment and certification infrastructure underpinning CIGA's guarantee.
• National Insulation Association (NIA): UK trade association representing the insulation industry. NIA is a CIGA ecosystem partner and serves as the industry voice, providing adjacent representation, training, and standards advocacy that complements CIGA's guarantee activities.

Regional players

• FENSA: UK government-authorized Competent Persons Scheme for window and door replacements. Comparable to CIGA as a UK self-certification and warranty scheme for a specific building component category, with analogous installer registration and consumer protection functions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/cavitywallciga

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cavity Insulation Guarantee Agency