ICW Insurance Services Recenzje 

ICW Warranty issued to the developer a warranty 4th August 2023 on an incomplete new build relating to my land/ property that was signed off on the WRONG plans (a totally different house/ foundation footings and structures) and had exclusion clauses on the garage structure (on a totally different property) with a garage that is incomplete and works are still ongoing onsite. Let me be very clear; ICW Warranty is not fit for purpose. FCA regulated, they have ignored my concerns as a landowner/ initial policyholder for two years and are committing a suspected fraud that has been reported to FCA and Action Fraud. Apparently their own ICW Warranty Policy of the Builder updating land ownership details within 72 hours need not apply (so why have an iCW Warranty Policy at all). Obviously I have no ICW Warranty cover on the property ( a criteria for new build mortgage) to make final payment to the builder.... I am UNABLE to make final stage payment (as the building society are withholding the first step on a two stage sequenced event on the final stage payment) until ICW Warranty addresses the fabricated warranty (being relied by a landowner and a self-build mortgage provider within a legal construction contract).

Updated 24/07/26: As you can see the reply back from ICW is inadequate. It should be that they take my feedback seriously to conduct a FCA Report (as they are registering a suspected fraud that requires to be FCA reported as it is reported to them, for investigation). The essence, ICW is writing a warranty that is fabricated (so the policyholder doesn't realise in time for the final payment) that the warranty does not provide adequate cover (presumably only found out on a claim). For clarity, the policy is required to be 'set up' correctly in the initial policyholders name (the landowner/ building society). ICW Warranty are in the game to defraud landowners and building societies with their current processes / policy that is not adhered to. Needless to say, I will never be transferring that fabricated policy into my name! Yet, the legal construction contract requires a 10 New Build Warranty by ICW to be procured (by the builder) in my name as landowner/ initial policyholder. Procured is exactly that... procured in my name as the landowner/ initial policy holder. ICW Warranty Policy (special clause) requires that the builder is required to update the land ownership details within 72 hours of land transfer. Obviously they have issued an incorrectly set up warranty (on wrong plans that were never built) and released this policy to the builder (whom has no insurable interest)... and then it impacts onto the legal construction contract so that I (and the building society) are UNABLE to pay final stage payment. Perhaps if ICW Warranty adheres to its own FCA approved policies then Mr Spratt wouldn't be getting his knickers in a twist with his rogue builder that he is so willing to protect !! As stated... ICW Warranty is not fit for purpose and does not take suspected fraud via builder misrepresentation seriously enough to warrant aninvestigation for the FCA (which they are required to report under their FCA regulated rules to trade under licence). For clarity, and in summary, Structural warranty providers like ICW operate on the principle of utmost good faith. If ICW discovers that a builder made a false representation to secure the certificate, they are contractually entitled to void the policy from its inception. Obviously there is some resistance from ICW Warranty and the MD Mr Spratt, over a two year period, to do just that.

Our property was signed off by building control and ICW. We had a private inspection carried out by a qualified building inspector who found 52 faults with the property . So this questions to how they let this happen
We had a battle with both the developer and ICW over the faults .
But all ICW came back with was blame passing and we don't cover this
So in my eyes there warranties are not worth the paper they are written on

AVOID AND DONT WASTE YOUR MONEY ON ICW WARRANTIES GO FOR A BETTER PROVIDER

Obviously ICW will come back with contact our complaints department

Total waste of human time

ICW are always a pleasure to deal with. Direct access to an account manager, along with Building Control and Warranty technical advice allows issues to be addressed quickly. BC and Warranty inspections being carried out by the same inspector increases efficiency, the site reports are always clear and well structured.

ICW have been an excellent partner for our developments at Bury Old Road in Heywood and Park Street in Swinton Salford, providing both building regulations and warranty services with a level of professionalism that genuinely stands out.

Their team is consistently responsive, knowledgeable, and easy to work with, making the entire process smooth from start to finish. The inspectors are thorough yet practical, offering clear guidance that helps keep projects moving without unnecessary delays. Communication has been a real strong point — updates are timely, advice is straightforward, and any queries are dealt with quickly.

We’ve particularly appreciated:

- Efficient turnaround times on inspections and reports
- Clear, constructive feedback that supports compliance without complicating the build
- Professional and approachable staff who understand the realities of working on active sites
- Reliable warranty provision, giving both us and our clients confidence in the final product

Overall, ICW have delivered a consistently high standard of service across both sites, and we look forward to continuing our working relationship with them. Highly recommended for anyone seeking dependable building control and warranty support.

Knowledgeable and professional staff who take the time to ensure work is carried out accurately and the information provided by them is correct. Happy to assist with any issues proactively.

dislikes, the amount of reports and information needed
dislikes, the resending of reports that had been lost
dislikes, the amount of reading and whats required

like, staff are very helpful
like, spread sheet with examples

Submitting paperwork, receiving answers to queries so quickly and hassle free.

Avoid at all costs, terrible business with no support for experienced developers, all they want to do is take your premium and not perform during the build or sign off stages, ignore emails and constantly delay completions due to buildign control certification process.
One star is too much.

Unfortunately the last review said it all, absolutely the worst warranty provider I have had the misfortune to work with.
give this company a wide birth, they promise but don't deliver.

I have been a customer of ICW for more than ten years and successfully completed three large projects of multiple properties.
Unfortunately, my current project has been almost destroyed me because of ICW building control unprofessional approach to customer service. They believe it's not their job to tell yo uwhat they need, you need know somehow what's going on in their system.
Their surveyor left the company, the information was not recorded on their system. They put the burden on me and asked for several things that was difficult for us provide but we did in the end.
In the meantime, because of the delay my bank loan term had expired and I reached out to the Director of building control, unfortunately, that did not help.
Even to this date, they have not processed my Building Control certificates. I call them everyday atleast five times for an update and ask what is holding up things. In the past week, they started to ask me for things that were already provided and the people who are checking these do not read the documents properly and ask for things that already have been provied. It seems like an endless circle with NO end in sight.
Everybody at IWC is happy with the situation, because they are not the ones facing financial disaster. Even, today they told me that everything has been ceared but the evidence was not recored for EV charghing and solar panels. They were told that there are NO solar panel several time. But, I contacted the electrician and who showed my that the his certificate has listed EV charging on page 4. I am sure the ICW will find another think tomorow until I go bunkrupt which seems to be their objective. Noboday can give me any reason why the certificates are NOT been issued or when they will be issued.
23/12/2025 - MD helped to get it over the line before the xmas break, thank you