Whuckfistle
If you do not carry out an insulation test upon a circuit you have installed, in the UK, you would probably be breaking the law.
Reason I say probably, is that there has not yet been a test case, however, any electrician carrying out a contract would have to be either insured or personally liable, and insurance would certainly require proper testing as part of the terms.
If the matter came to court it is highly likely that the competance of the electrician concerned would be examined, and one crucial aspect to that would be to demonstrate that a newly installed circuit had been tested and certified by a competant person.
The definition of a competant person would almost certainly be defined as one who has demonstrably been able to follow the guidelines as issued in the I.E.E.E 16th edition wiring regulations, which also lays down standards for testing circuits.
An electrician would have to be able to prove that all the standards have been met, by having a laid out specification and design and testing procedure, this would have to be recorded.
You would not get away without carrying out your insulation test, and also you would have to carry out earth loop impedance tests, and finally you would also have to carry out Earth leakage trip tests on any residual current devices.
That only covers financial liability, but an electrician would also have a ‘duty of care’ to ensure that the circuit was installed correctly such that if a fault develops it would be isolated safely so that no danger arises.
If the electrician had failed in the ‘duty of care’ that person would become liable for criminal proceedings.
One case that I can remember was a cowboy electrician that had incorrectly installed a central heating system, and used the earth wire as a switched live instead of going to the wholesalers and buying 12" of 4-core wire.(red-yellow-blue-earth)
Due to an error the electrician made, he connected the other end of the switched live to the earth block, because he had followed the colour code at that end, and when the earth became live due to the switch, a stainless steel sink that was also connected to the earth bar became live, and killed the household occupant.
He had revisited the house after several complaint of mild shocks but had still not tested or checked his work properly.
He got four years, nowadays he could get ten years.