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Thanks for the responses. Having had a browse through some posts on this board, I was under the impression that many contractors don't bother with the insurances, hence the question.
I know that if I was ever investigated by Gordon's gang, that it would be really difficult to prove I was...
I'm just making the transition from PAYE to Ltd company, and have got most things (e.g. company, accountant, etc) set up. I'll still be working for the same client doing the same job, but unfortunately my contract (actually it's the working practices/ role) falls within IR35, so there's no...