For Businesses & Private Individuals
Tax Investigation & Protection Insurance
Tax Investigation & Protection Insurance
To see just how cost effective our insurance is, please select from the simple drop-down box the description that best fits your business
We will give you an instant price for 12 months of Fee Protection Insurance. Prices are inclusive of 12% insurance tax.
Please Note:
- Private individuals are people who derive income from rental and investments.
- Sole traders are business owners who are earning money from a trade. Examples could be:plumbing, business coach, shopkeeper, artists, etc.
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Hourly Rate is the maximum the underwriter will pay per hour towards your professional fees.
- Shop Pay | Apple Pay | Google Pay if using these payment methods you may not be offered a confirmation step. If any details are missing simply reply to the order confirmation email with the name and address you wish to see on the poilcy.
Please see the FAQ section for more information.
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What's covered
- Full and aspect enquiries into your business or personal tax returns, including appeals
- VAT and PAYE compliance visits, and disputes involving National Insurance, CIS and IR35
- Discovery enquiries and HMRC information requests
- Costs of disputing HMRC's findings at Tribunal, where there is a reasonable chance of success
- Business policies automatically cover directors' and partners' personal tax returns at no extra cost
- £100,000 limit of indemnity, with no policy excess
- Your own accountant represents you throughout
Key conditions
- The policy covers professional fees only — it does not cover tax, interest or penalties owed to HMRC
- Your returns must have been submitted within statutory deadlines, with proper records kept
- Claims must be accepted by the underwriter before your accountant begins work
- Attendance at compliance visits is capped at £1,000
- Enquiries already under way (or facts likely to lead to one) before cover starts are excluded, as are tax avoidance schemes and fraud investigations
See the full Policy Summary for complete terms.
How a claim works
Claims are handled directly by ARAG plc, the policy administrator. If you receive a letter from HMRC, complete the online claim form on our Make a Claim page before your accountant starts any work. Once your claim is accepted, your accountant's fees are covered at your chosen hourly rate (£180 or £300) up to the £100,000 limit. Policies run for 12 months and don't auto-renew — we email you a reminder 3–4 weeks before expiry.