IPSE vs QDOS

[Beatrix Kiddo]

I hope it's ok to bump old threads. It was that or start a new thread linking to this one- sorry if I got it wrong.

I'm just starting out in contracting and have a couple of interviews this week. I know they might not come to anything, but if one of them does I'll need a contract review quite quickly. I'm looking at QDOS TLC35. It says you get an unlimited amount of contract reviews with that, but if you need one more quickly than the 5 days' turnaround can you pay a supplement to get next-day service or do you have to pay the full amount again for a quick review?

Also I'm still getting my company set up. Am I jumping the gun looking at QDOS insurance right now? I want to be ready to go if somebody offers me a contract, but I need to get the paperwork done in the right order.

(Yes, I've done a search, that's how I found this thread). I'm reading everything I can find.)

Thanks very much as always.

[northernladuk]

You can set it upon the spot over the phone. Wait till you've got a little closer IMO.

If you want to know you are doing the everything in the right order then ring QDOS and find out. Don't rely on us.

[Beatrix Kiddo]

Cheers. I know I have a bit of a tendency to get bogged down in the details! I don't want to get anything wrong.

If you have a referrer link you want to post, please do.

[northernladuk]

Cheers. I know I have a bit of a tendency to get bogged down in the details! I don't want to get anything wrong.

If you have a referrer link you want to post, please do.

Ah appreciate that. Try this link.

http://www.qdoscontractor.com/code/QCL57133

[psychocandy]

My view on this is that if they accept the case at all (i.e. start fighting it), then I've effectively won given I've got TLC35. They'll either have to see it through to completion, or pay up. There is some clause somewhere about them not accepting a case, but I think they'll find that hard to invoke given they did the contract and working practice review too. And if they do refuse, then I'll head over to IPSE and end up having to pay the back taxes if I lose.

Like I said, even if you had both products, I always thought it was one or the other.

i.e. you cant do that. Start with one, not like it then throw it to the other one...

Can't imagine QDOS paying out for example. You start off with IPSE, they make decisions do things, lose the case. Surely then QDOS are not going to say, OK we'll pick it up now, OK we'll pay the fines etc? They are going to say, sorry, we didnt get chance to deal from the start so all bets are off.

[MankyManning]

That was my plan. I had to get PCG involved when QDOS gave up too easily and were ready to feed me to the wolves unless I paid £7.5k - £10k for the appeal to the commissioners. (my failing memory used to think £7k but I found the letter from QDOS the other day).

What was the story here?

[jaffab]

So having read various threads on insurance, it seems it boils down to QDOS TL35 and IPSE... I am not sure which to go for in terms of tax audit cover and possible IR35 cover.... after all, with the changes coming next year, is that not going to wipe out IR35 investigations (at least, in the public sector).

IS TL35 with standard IPSE the best bet for belt and braces cover, or is this throwing money away?

[northernladuk]

I thought all the threads you had read go over exactly the question are asking, including this one?

[malvolio]

So having read various threads on insurance, it seems it boils down to QDOS TL35 and IPSE... I am not sure which to go for in terms of tax audit cover and possible IR35 cover.... after all, with the changes coming next year, is that not going to wipe out IR35 investigations (at least, in the public sector).

IS TL35 with standard IPSE the best bet for belt and braces cover, or is this throwing money away?

Go with IPSE+. You don't need TLC35 (or Abbey Tax's version available through IPSE, or some other similar products) unless you are very risk averse.

As for "new rules", IR35 legislation hasn't changed, nor has the case law that defines it. All that's changing is that you are being threatened with being paid net of Tax and NICs, which is not what IR35 does anyway.

[Eirikur]

Go with IPSE+. You don't need TLC35 (or Abbey Tax's version available through IPSE, or some other similar products) unless you are very risk averse.

As for "new rules", IR35 legislation hasn't changed, nor has the case law that defines it. All that's changing is that you are being threatened with being paid net of Tax and NICs, which is not what IR35 does anyway.

TLC35 gives you free IR35 reviews, IPSE doesn't offer that