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ARTICLE · 31 AUGUST 2026

InstaGroup Ltd v Northwest Insulations Ltd & Anor

Fenwick Elliott LLP
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A construction materials supplier sought to enforce a personal guarantee against a former director for debts arising from a 2013 services agreement, but the director argued the guarantee only covered goods supplied under an earlier 2008 credit facility. The court examined whether the guarantee's broad language extended beyond its original purpose and whether subsequent contractual changes affected the guarantor's liability.

United KingdomReal Estate and Construction
Jeremy Glover
Jeremy Glover
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InstaGroup makes insulation materials and subcontracts the installation of those materials to third parties, such as Northwest, who entered into creditors’ voluntary liquidation in August 2025. Mr Stansfield was a director of Northwest from 27 August 2008 until 19 April 2022. InstaGroup alleged that Northwest breached an agreement dating from 2013, and claimed over £3 million against Northwest. InstaGroup made a claim against Mr Stansfield based on the terms of a Guarantee entered into in 2008.

In 2008, InstaGroup had entered into an agreement with Northwest for the installation of cavity wall insulation. In October 2008, Northwest entered into a credit facility agreement. Mr Stansfield signed a pre-printed form entitled “Credit Account Application Form”, which included the following:

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