retra is the UK’s leading trade association for independent electrical retailers and servicing organisations.


retra retailers pride themselves in providing quality customer service. If you value good service and the peace of mind it brings, our “find a retailer“ will help you find your local independent retra retailer.


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Latest News

Increase in Standard Rate Insurance Premium Tax (IPT)

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In the Summer Budget, announced 8 July 2015, the Chancellor confirmed an increase of 3.5% in the standard rate of IPT. This will take effect from 1 November 2015 and will affect the premiums payable for the majority of our customers.

The current rate charged of 6% will increase to 9.5% for all policies with a start/renewal date on or after 1 November 2015. You should therefore be prepared for an increase in your premiums as a direct result of this government tax increase.

Most insurers will be taking advantage of a ‘transitional period’ being allowed to them when applying this rate change to additional or return premiums for Mid-Term Adjustments (MTAs). This transition period expires at the end of 29 February 2016 and is only applicable to policies with a start date before 1 November 2015. For these policies, the tax change on MTAs will be applied as follows:

Refund Premiums:

  • Effective date of MTAs before 1 November 2015 = 6%
  • Effective date of MTAs on or after 1 November 2015 but before 1 March 2016 = 6%

Additional Premiums:

  • Effective date of MTAs before 1 November 2015 = 6%
  • Effective date of MTAs on or after 1 November 2015 = 9.5%

From 1 March 2016 all premiums will have the rate of 9.5% applied, regardless of the start date of the policy.

There are a few exemptions from IPT, which will apply to a small number of our customers, which include:

  • Most long-term insurance (i.e. Life insurance)
  • Insurance for commercial ships and aircraft
  • Insurance for marine cargo (goods in international transit)
  • Premiums for risks located outside the UK – these are usually liable to local tax rates, rather than UK.

If you would like to know more about these changes, information can be found on the government website or speak to your usual contact(s) at Coleman Insurance Brokers, who will be happy to help.

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ADR Alternative Dispute Resolution

ODR Online Dispute Resolution

As previously mentioned in Alert the ADR scheme is live from 1st October 2015. The rules are a little strange in that any business is obliged to say which ADR Provider they would use in a dispute situation with a consumer, but are not legally obliged to use them.
I quote “all businesses, irrespective of whether they intend to use ADR ,must advise consumers in writing ,at the point where the trader takes the view that it cannot resolve a complaint directly with the consumer , both of the contact details of the relevant certified ADR provider in their sector and whether the trader intends to use it”.

Details of your provider must be in your terms and conditions and on your website.

Members can choose to use any accredited provider they wish for both ADR and ODR. Retra have negotiated with “Small Claims Mediation” a rate of £50 plus vat per party for small claims. This allows for up to one hour of mediation which can be done online. They offer 3 daytime slots 5 days a week, one Saturday morning and very evening at 7pm, 5 days a week. This provides plenty of choice to meet both parties’ needs. What we particularly like about the service is that both parties have to pay for the mediation. This would hopefully make most consumers think twice before asking for mediation. If parties fail to settle at mediation SCM can offer an arbitrated decision for an additional cost. Fees to be agreed on a case by case basis dependent on size of claim and complexities.

Small Claims Mediation [UK] Ltd is authorised by Government under the Alternative Dispute Service for Consumer Disputes [Competent Authorities and Information] Regulations 2015. Full details of the company are available on their website The business is run by two ladies, Sam Park and Jo Holland [tel. no. 0116 2848100].

They will be happy to talk to you and advise how you can get the best out of the service they offer. All retra members can immediately quote SMC as their ADR and ODR provider if you so wish. The objective of mediation is to try and reduce the amount of disputes that end up in court which can be both costly and time consuming.

As an association we will still expect members to comply with our “code of conduct” and in fact it may well be that very few cases will end up in mediation or in fact go to court. We regularly receive calls from consumers into our Bedford office and in many cases the matter is settled very quickly to all parties’ satisfaction. To be clear, retra are not accredited mediators and where a consumer wants to go for mediation then you would need to tell them who they could contact.

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Calendar of Events

Centre Meetings
Date Centre Venue
Thursday 22nd October Retra Scotland Committee
Thursday 3rd December North West Centre Meeting Ye Horns Inn, Goosnargh
Centre meetings include a trade show and lunch. Admission is free of charge.
If you would like to book to attend a centre meeting please email us at
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Product Recall Information
For further information regarding Product Recalls of Electrical Appliances from the Electricity Safety First, please link onto the information page on left: