IR35 - Back to my old Perm Job as a Contractor? Please help

[ANONYMOUS786]

Because when i ask them, i feel like i have to point out every ounce of my concerns to them and give them thousands of "what if" situations i may be in the future. Ive come here with the hope that i can gain some knowledge on the subject because as far as it stands, i may only just need to get insured full stop, and not to worry about the rest.

Why don't you ask the people providing it?

[ANONYMOUS786]

Presbyterian Church of Queensland... they surely dont sell "insuirance", as nobody does... ive heard of "insurance" before though

Who - PCQ??? didnt realise the Presbyterian Church of Queensland sold insuirance on the side...

Yes, PCG cover starts as soon as you pay the membeship fee. However, here's a thought - you want to be a contractor, learn how to do your own research.

[malvolio]

Presbyterian Church of Queensland... they surely dont sell "insuirance", as nobody does... ive heard of "insurance" before though

Gosh, you're witty...

[LisaContractorUmbrella]

Thanks. I still have my contract waiting to be signed, however i am not looking for anybody to make that decision for me here. What im looking for is an answer to a simple question....

If i get insured by TLC35 or PCQ equivalent, and sign my contract and then start work, would i be covered tomorrow in an IR35 investigation? I know its a broad question, and many of you have said i would need to take relevant steps to ensure my status, BUT, the insurance's seem to state that they cover.
But at the same time i know a lot of contractors insured and maybe they havent 'obsessively' taken the steps to ensure their status is outside IR35...

https://www.pcg.org.uk/cms/index.php...og&Itemid=1272 If that doesn't help try phoning them up and asking them

[malvolio]

https://www.pcg.org.uk/cms/index.php...og&Itemid=1272 If that doesn't help try phoning them up and asking them

WLS...

Why do I always fogrget that page. Must try harder...

[speling bee]

Who - PCQ??? didnt realise the Presbyterian Church of Queensland sold insuirance on the side...

Yes, PCG cover starts as soon as you pay the membeship fee. However, here's a thought - you want to be a contractor, learn how to do your own research.

Presbyterian Church of Queensland... they surely dont sell "insuirance", as nobody does... ive heard of "insurance" before though

Points victory for Anon.

[ANONYMOUS786]

No victory yet... Still doing some reading and many questions to be answered. Why can't it be simple!

Points victory for Anon.

[LisaContractorUmbrella]

No victory yet... Still doing some reading and many questions to be answered. Why can't it be simple!

Because HMR&C are behind it all - they are to simplicity what worms are to tap dancing

[northernladuk]

No victory yet... Still doing some reading and many questions to be answered. Why can't it be simple!

You think this topic is complex... you have a lot more to come yet. Contracting is not just doing the same job for more money like most people assume until they get here.

[Qdos Contractor]

Sorry, have been in meetings all afternoon and haven't been keeping up with this thread. To answer some of the queries:

- When you apply for TLC there are a number of statements you agree to. Of course, some of IR35 is a grey area (like substitution), so we're just asking you to confirm they are correct to the best of your knowledge. Obviously we're checking things like being contracted to a previous employer as well.
- If, to the best of your knowledge, you are able to send a substitute but then your end client contradicts this when questioned by HMRC, the policy would cover you. That's one of the main risks in IR35 enquiries.
- As Malvolio stated, we've never had to pay out because we've never lost an insured case.
- We've never pulled out of covering anyone and I'd be very surprised if we ever did. I'm sure if we ever did there would be a significant backlash on places like this!
- We don't ask you to take any specific 'measures' as a condition of the policy.

If you want to discuss anything in more depth, PM me and I'll send you my number.