Originally posted by Qdos Contractor
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Is QDOS TLC35 better than legal cover?
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Thanks
Thanks everyone for your replies. As VillageContractor wrote, I've also got it for peace of mind. That annoys me, because I have doubts about its value. But like many insurances, I hope I'll never have to find out whether it's worth it!Comment
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Originally posted by Qdos Contractor View PostWe have certainly never refused to pay out on the liabilities portion of a policy having represented the contractor in a case.⭐️ Gold Star ContractorComment
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Originally posted by PerfectStorm View PostHave you ever been in a position to do so? i.e. ever lost a case and had to pay out? There is a subtle difference between that and "not refused", as you might just have won each case.Qdos Contractor - IR35 expertsComment
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Originally posted by Qdos Contractor View PostWe have won every case insured under the TLC35 policy; I wasn't suggesting that we had been in a position to do so. We accept a claim at the point of the contractor reporting it to us, i.e. when the initial HMRC letter is received. We have never pulled out of an enquiry further down the line based on the facts presented to us on application.⭐️ Gold Star ContractorComment
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Originally posted by PerfectStorm View PostSo the policy has indeed never paid out?Qdos Contractor - IR35 expertsComment
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Originally posted by adubya View PostI'd be tempted for the legal cover only then
As we've said before, this is not a straight comparison of two similar products, they both have different approaches.Blog? What blog...?Comment
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Originally posted by malvolio View PostTo be fair, IPSE gives slightly wider cover (i.e. anything vaguely tax related) plus the other stuff, apart from the excess tax cover (although you can add that via Abbey Tax if you feel you need it).
As we've said before, this is not a straight comparison of two similar products, they both have different approaches.Comment
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Originally posted by PerfectStorm View PostSo the policy has indeed never paid out?Originally posted by Qdos Contractor View PostTo date the liabilities element of the policy hasn't had to pay out, no. As mentioned, that is for no other reason than a 100% record in insured cases.Comment
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