the guarantee is based on met office insolation levels, so providing annual insolation levels are at or above average, we guarantee that the system will generate within -5% of its estimated output (not the sap estimate), so if it underperformed by 6% we'd return either return 1% of the original installation price, or take remedial action to improve the output, then return the money if that doesn't have the desired impact.
Because we tailor the estimate fairly precisely for each system including the estimates of the shading impact (which we can model for each our of each month through the year if needed), with the inverter and cable losses for that system supplied by sunny design, we can get the estimate pretty accurate, although we tend to leave a 2-3% margin for error to be on the safe side (if a panel is rated at +-3% tolerance we also reduce the estimate by 3%).
It also helps us to really minimise the shading impact on any system by carefully design of the system. I'm not sure how detailed this facility is in PV Sol - we#d developed our own 3d modelling and shading estimation system before we were really aware of PV Sol's capabilities in this area (or IIRC we tried PV Sol and weren't that impressed at that stage, so just developed our own system.)