Reply to: IR35 Insurance advise needed

[northernladyuk]

And it's still advice for which you should be looking.

FTFY

[TheFaQQer]

It has.

However as I don't have anything to do with either provider and am not interested in starting a flame war, I tell posters to search.

There was a question about which CUK user had a case where they found one service better than the other? I must have missed that one.

What search terms do you think would find the details of the case?

[SueEllen]

I may be mistaken but I'm not sure that the question has been asked around which specific user(s) of the forum have found the experience vastly different. I found it via Google because I knew roughly the phrases that had been used and how much had been saved, which makes the search much easier.

It has.

However as I don't have anything to do with either provider and am not interested in starting a flame war, I tell posters to search.

[TheFaQQer]

The vast majority of questions people ask has been asked before like this particular one.

People who Google, realise their situation is different and mention they have searched get more informed responses.

It is also part of the etiquette of this forum to see if your question has been answered before before jumping in and asking exactly the same question. Do yourself a big favour and have a look at the first post of this thread linky on CUK netiquette.

I may be mistaken but I'm not sure that the question has been asked around which specific user(s) of the forum have found the experience vastly different. I found it via Google because I knew roughly the phrases that had been used and how much had been saved, which makes the search much easier.

[SueEllen]

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.

The vast majority of questions people ask has been asked before like this particular one.

People who Google, realise their situation is different and mention they have searched get more informed responses.

It is also part of the etiquette of this forum to see if your question has been answered before before jumping in and asking exactly the same question. Do yourself a big favour and have a look at the first post of this thread linky on CUK netiquette.

[fidot]

And it's still advice that you should be looking for.

[londonlad]

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.

[SueEllen]

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.

[TheFaQQer]

Care to elaborate on that please?

One example:

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).

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.

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.

[malvolio]

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...

[londonlad]

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?

[SueEllen]

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.

[londonlad]

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?

[malvolio]

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.

[northernladuk]

Keep it for the past contracts.

And its advice you need