This is a policy we offer in case you get investigated by the Revenue. It covers our costs, so if you want us to handle the investigation for you, go to meetings with the Inspector, handle written correspondence, etc., we would be paid by the insurance company to do this on your behalf, rather than having to charge you.

All the technical & legal small print is below:

TaxSure for Accountants Policy Summary

We have arranged this policy with CCH to provide cover against the costs of protecting your interests during Inland Revenue and Customs and Excise enquiries and disputes. CCH administer the policy on behalf of the Insurer. It covers representation costs up to £75,000 should you become involved in any of the following Insured Incidents in Great Britain and Northern Ireland other than Insured Incident 1(c)(i) and (ii) in respect of which the limits are;

1(c)(i) £2,500 subject to the exclusion of the first £156 of any one claim

1(c)(ii) £5,000 subject to the exclusion of the first £312 of any one claim

This is an annual policy unless you join part way through the scheme’s insurance period or we advise you otherwise. Cover will only commence after we have received the premium. Cover will commence from the scheme’s commencement date unless payment is received after that date, in which case, cover will commence from the date payment is received.

This is a “claims made” insurance. Claims must be received by CCH in writing during the period of insurance.

What is covered by your policy

1) Self Assessment Enquiries and Accounts Investigations

a) a Self Assessment Full Enquiry which will include a request for sight of all books and records by the Inland Revenue; or

b) An In Depth Accounts Investigation by the Inland Revenue.

c) a Self Assessment Aspect Enquiry by the Inland Revenue into one or more specific aspects of

(i) a Self Assessment return other than a Corporation Tax Self Assessment return; or

(ii) a Corporation Tax Self Assessment return.2) Employer Compliance Disputes

A dispute with the Inland Revenue or the Contributions Agency concerning compliance with Pay As You Earn or Social Security

Regulations.3) Value Added Tax Disputes

A dispute with H M Customs and Excise following their issue of an assessment, written decision or notice of civil penalty

relating to Value Added Tax.What is not covered by your policy

• Claim circumstances we or you ought to have known about before you were covered by the policy.

• Investigations by the Inland Revenue Special Compliance Office or H M Customs and Excise National Investigations Service.

• Investigations carried out under Section 60 headed “VAT evasion: conduct involving dishonesty” of the VAT Act 1994.

• Criminal prosecutions.

• Representation costs incurred without CCH’s consent.

Conditions which apply to your policy

•chargeability to tax notified to the Inland Revenue on time. We must be the tax return agent when the enquiry or investigation commences.

• In respect of Self Assessment Enquiries and Accounts Investigations, tax returns must have been submitted on time and any

- give us and CCH a full and truthful account of your affairs;

- co-operate with and follow our and CCH’s advice.

• You must at all times during the course of a claim

• There must be good prospects of reducing any alleged liability to tax or National Insurance Contributions.

You must be one of our clients when a claim is made.

Claims procedure

You should let us know of a possible claim as soon as possible by contacting us at the above address. We will report claims to CCH in writing. CCH will usually ask for a claim form to be completed and returned with supporting information. CCH will appoint us to represent your interests and our costs will be billed direct to CCH. You will be asked to pay any VAT element if you are VAT registered. We will keep you informed of the progress of any claim you make.Cancellation rights

If the policy does not meet your requirements, you may cancel it within 14 days of our receipt of your premium and receive a full refund provided that you have not made or intend to make a claim.CCH Customer care

CCH aim to give a high standard of service at all times. If you are unhappy with CCH’s service for any reason, you should write to

Client Care, CCH, Croner House, Wheatfield Way, Hinckley, Leicestershire LE10 1YG. Alternatively you can telephone CCH on 0808 1080 108, send CCH a fax on 01455 897408 or e-mail CCH at client_care@cch.co.uk. You may also write to the Managing Director of DAS Legal Expenses Insurance Company Limited, DAS House, Quayside, Temple Back, Bristol BS1 6NH. Telephone 0117 934 2000, send a fax on 0117 934 2109. If you cannot settle your complaint with CCH or DAS, you may then be entitled to refer it to Financial Ombudsman Service.