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IR35 Insurance advise needed

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    IR35 Insurance advise needed

    Hi All

    So I just started new outside IR35 contract with public sector. I have worked with this client in the past (a year & half ago). The client will provide statement/scope of work along with finite deliverables. In addition ESS tool will be used to determine the status.

    So I suppose I am covered from the liability in case HMRC investigate, am I missing anything?

    Also do I need IR35 insurance if liability sits with Public sector client?

    Is it still advisable to cover yourself with IR35 insurance with tax cover for previous contracts?

    Thanks in advance.

    #2
    Keep it for the past contracts.

    And its advice you need
    'CUK forum personality of 2011 - Winner - Yes really!!!!

    Comment


      #3
      Originally posted by londonlad View Post
      Hi All

      So I just started new outside IR35 contract with public sector. I have worked with this client in the past (a year & half ago). The client will provide statement/scope of work along with finite deliverables. In addition ESS tool will be used to determine the status.

      So I suppose I am covered from the liability in case HMRC investigate, am I missing anything?

      Also do I need IR35 insurance if liability sits with Public sector client?

      Is it still advisable to cover yourself with IR35 insurance with tax cover for previous contracts?

      Thanks in advance.
      Just get IPSE+ membership and stop worrying. There's a lot more to life than IR35.

      One good thing with your situation is that you would have to do something really unlikely to lose an IR35 case.
      Blog? What blog...?

      Comment


        #4
        Originally posted by malvolio View Post
        Just get IPSE+ membership and stop worrying. There's a lot more to life than IR35.

        One good thing with your situation is that you would have to do something really unlikely to lose an IR35 case.
        What are the advantages/disadvantages of IPSE+ as against likes of Qdos insurance?

        Comment


          #5
          Originally posted by londonlad View Post
          What are the advantages/disadvantages of IPSE+ as against likes of Qdos insurance?
          Do a search via Google.

          There have been people who have been investigated. As I remember one found one organisation more helpful than the other.
          "You’re just a bad memory who doesn’t know when to go away" JR

          Comment


            #6
            Originally posted by SueEllen View Post
            There have been people who have been investigated. As I remember one found one organisation more helpful than the other.
            Care to elaborate on that please?

            Comment


              #7
              Originally posted by londonlad View Post
              What are the advantages/disadvantages of IPSE+ as against likes of Qdos insurance?
              Visit the website and look at the list of benefits you get from plus membership. Then compare that to other commercial options...
              Blog? What blog...?

              Comment


                #8
                Originally posted by londonlad View Post
                Care to elaborate on that please?
                One example:

                Originally posted by Batcher View Post
                QDOS are good but didn't quite help me enough when I had my IR35 investigation. IPSE (as the PCG at the time) helped enormously and saved me £52k (the amount HMRC asked me to pay up).
                Originally posted by Batcher View Post
                I was a PCG member and had QDOS IR35 insurance when my HMRC investigation began. Due to the QDOS insurance being all about IR35 investigation, I notified them first.

                After around 18 months the QDOS person dealing with my case moved and I had to go over everything with the new person, including sending them documentation that they should already have had.

                Eventually HMRC said I was caught and should send them £52k. They even provided handy payment books. I discussed with QDOS and they said the next step was to take it to the commissioners but the insurance wouldn't cover the £7k cost so I would need to pay it myself if I wanted to challenge.

                At this point I contacted PCG for advice. As I had already used QDOS they couldn't take on the case but if I faxed them the details and HMRC's letters they would give me advice. They picked HMRC's case to pieces and told me what I should tell QDOS to tell HMRC.

                After around 6 months of silence QDOS wrote to HMRC and said as they hadn't responded we would treat the case as being dropped. HMRC wrote back and basically said (I paraphrase) "we know you are guilty but in this instance we will take no further action".

                I'm a PCG+ member and it's money well spent. I'm sure HMRC drop a lot of cases as soon as they get the initial response saying PCG are representing you.
                Originally posted by Batcher View Post
                After the case finished I didn't renew my QDOS cover because I reckoned they gave in too easily.

                PCG's advice mainly consisted of breaking down the final letter into small chunks and rejecting their points one by one with sound reasoning. The HMRC lady who had written the letter was known to them so they knew how to dismiss her and she had contradicted herself a few times within the letter.

                It's possible QDOS have changed the level of cover since but I haven't read up on it and my experience back then puts me off going with them again. I wasn't very happy when I had to start again when they put someone else on my case. As far as I can gather the original person didn't leave, they merely moved onto other things within QDOS but they didn't do any sort of handover.

                At the moment I am purely PCG+ and I think that is enough. If I had started the process with them from the beginning I'm sure it wouldn't have gone on so long. It only took them a few days to dismantle the case against me, although it was 6 months before I got a response from HMRC and only because I asked.
                Last edited by TheFaQQer; 5 May 2017, 12:40.
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                Work in the public sector? You can read my FAQ here
                Click here to get 15% off your first year's IPSE membership

                Comment


                  #9
                  Originally posted by londonlad View Post
                  Care to elaborate on that please?
                  Someone helpfully spoon fed you but as an adult and an IT professional you need to learn how to use Google effectively.
                  "You’re just a bad memory who doesn’t know when to go away" JR

                  Comment


                    #10
                    Originally posted by SueEllen View Post
                    Someone helpfully spoon fed you but as an adult and an IT professional you need to learn how to use Google effectively.
                    When someone post in this forum needing help or advise then they are not looking for 1 liner vague response from someone who think I know it all.

                    If everything can be googled then this forum would not have evolved. So next time if you cant help then do yourself a favour by not posting those one liner inadequate response.

                    Comment

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