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Originally Posted by LisaContractorUmbrella
You can only claim expenses which are approved by the Inland Revenue.
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I think what you mean here is that the umbrella company won't let you claim expenses in excess of the P11D dispensation limits because it would cause them more work than they want to do.
You could, of course, quite legitimately incur expenses in excess of the P11D dispensation limits and claim the excess on your own Tax Return or through your coding.