What insurance has everybody got?

[kevpuk]

+1 for PCG Plus - I have this, as well as PI and PL via QDOS, who also cover IR35 contract reviews.

[quackhandle]

If you have a car you need to make sure you have business cover added on to the car insurance. Most insurers will add it on to the policy free but you may have to pay the admin charge for this. If you are driving around with out this then if you have an accident even if it's on a Saturday the insurer can decide not to cover you. (Search for threads on this.)

Wasn't aware of this, you learn something new every day, many thanks SE.

qh

[GB9]

Join the PCG, using Plus membership. That plus your existing cover will be all you need.

So if you lose a HMRC enquiry and get a bill for £100k, that will pay it?

[SueEllen]

So if you lose a HMRC enquiry and get a bill for £100k, that will pay it?

We've had this argument before.

General rule of thumb - if you are intelligent enough to sign up for IR35 insurance you are intelligent enough to ensure that your contracts are compliant, which means that you will be defended all the way to the supreme court.

[malvolio]

We've had this argument before.

General rule of thumb - if you are intelligent enough to sign up for IR35 insurance you are intelligent enough to ensure that your contracts are compliant, which means that you will be defended all the way to the supreme court.

WSES. Plus (a) you can take out the additional cover if you really want to and (b) you will know enough to declare yourself inside IR35 if you are genuinely caught.

[nomadd]

PI and PL via QDOS, who also cover IR35 contract reviews.

This^

It's what I went for having done a Search of this site and a bit of reading around. All-in-all, very happy.

[Mich the Tester]

For work? Disability (privately insured), professional indemnity and public liability.

Oh, and car insurance, life assurance and all that guff.

[northernladuk]

Wasn't aware of this, you learn something new every day, many thanks SE.

qh

Well as you are travelling to and from your temporary location you are using your car for business, not commuting. You are claiming the mileage under the wholly and exclusively for trade etc... Having an accident while doing this will invalidate your insurance as you are not commuting.

Adding business level 1 or whatever you insurance people call it will be peanuts. Even if you travelled between sites as a permie if you expense the mileage using your own car you needed this.

[SueEllen]

Well as you are travelling to and from your temporary location you are using your car for business, not commuting. You are claiming the mileage under the wholly and exclusively for trade etc... Having an accident while doing this will invalidate your insurance as you are not commuting.

Adding business level 1 or whatever you insurance people call it will be peanuts. Even if you travelled between sites as a permie if you expense the mileage using your own car you needed this.

Looks like this thread has saved a few people from a future costly bill and trouble with getting all types of insurance later on.

[northernladuk]

Looks like this thread has saved a few people from a future costly bill and trouble with getting all types of insurance later on.

Wonder if it will click to check their home insurance if they claim an office at home...