HM Revenue & Customs (HMRC) routinely check tax returns to make sure they’re correct. They might also decide to conduct an extensive examination of all areas of your tax affairs, including an in-depth review of your tax return records.

Free tax investigation cover – should you need it

These enquiries take time and money to sort out. Tax Investigation Insurance is designed to take away the burdens facing you should you be subject to an investigation.

The policy compensates you for professional costs whilst you’re being represented. Terms and conditions apply.

How much does it cost?

Cover can cost over £100 per year, but for ‘Full’ and ‘Basic Plus’ members it’s included as a part of your membership of the National Landlords Association!

Terms and Conditions apply.

Qualifying criteria

All current ‘NLA Full’ members receive the benefit of this valuable protection free of charge, as long as they meet the following eligibility criteria:

  • Membership of the NLA must be in force and fully paid up at the time that the investigation is first notified.
  • The annual rental income of the member must not exceed £550,000.
  • Only persons, companies, firms, partnerships or organisations specifically named as a member of the NLA at the time of an insured incident are entitled to this insurance policy protection.
  • The member must have no outstanding investigations pending and no more than one investigation claim in the past three years or exceeding £3,000 in total.
  • All members must reside in the UK or Northern Ireland.
  • The policy will only cover business affairs relating to property portfolios, for which the member acts as a landlord or agent.

What if I don’t qualify?

If you don’t qualify for this benefit, you may still be able to obtain discounted Tax Investigation Insurance from our insurance providers as a result of your NLA membership.

To obtain a bespoke quotation, please complete the Non-Standard Member Quotation Request Form, then email it to Hamilton Fraser who will respond to your enquiry within 5 working days.

Reference Documents

These information documents are intended as guidance when you’re looking to make a claim under this group Tax Protection Insurance policy. Please read the ‘How to make a claim’ document in conjunction with ‘Summary of cover’ and ‘Policy wording’.

Remember, when notifying the underwriters of a potential claim, make sure you have your NLA membership number to hand. Simply click on the names of the documents below to download them:

Who can make a claim under this Policy?

This Policy is available to assist current and fully paid up NLA ‘Full’ and ‘Basic Plus’ members at the time of the insured incident. This is eligible for landlords who receive or manage an annual rental income of less than £550,000.

Full Individual Members: The Policy will cover one named individual for property-related tax claims and VAT disputes (should they be registered for VAT), provided the individual is named as an NLA Full Member at the time of the insured incident.

Full Family Members: The Policy will cover up to three named individuals for property-related tax claims and VAT disputes (should they be registered for VAT) provided the individuals are all named as NLA Full Members at the time of the insured incident.

Full Business Members: The Policy will cover up to five named individuals and the Business for property-related tax claims and VAT disputes (should they be registered for VAT), provided they can establish that they own only a small portfolio of property, and the individuals and business are named as NLA Full Members at the time of the insurance incident.

The Policy is not designed to offer assistance to large corporate property owners or managing agents, as the tax affairs of these organisations are likely to be extremely complicated and diverse.

Tax Investigation Insurance Claimline

This Claimline has been set up to assist members with any questions or queries they may have in connection with tax, VAT, PAYE and NIC issues.

You’ll need to quote 'NLA Tax Protection' when you call the Claimline* and you may be asked to provide the policy number of the scheme, as well as your NLA membership number.

The Claimline telephone number is 0344 770 1060* and operates between 8.30am and 5.30pm Monday to Friday (excluding Bank Holidays).

Please note that telephone calls are generally recorded in case a dispute over the advice given by the consultant arises or the discussion results in a formal claim.

*Calls to 0344 numbers may cost up to 13p a minute and typically up to 41p from a mobile phone, depending on the provider.

Do not use this number if you have questions about the policy. If you require general information about the Policy please call Hamilton Fraser on 0345 310 6300 or email nlataxinvestigation@hamiltonfraser.co.uk.

How to make a claim

As soon as you become aware of a possible claim under the Policy, you should firstly contact Arc Legal Assistance’s (the insurance providers) tax consultants by using the Tax Investigation Insurance Claimline on 0344 770 1060*.

You will then have the opportunity to discuss the potential problem with a tax consultant. Any advice that you are given over the phone by the consultant should be followed exactly and within the time scales advised.

Failure to do this may render any future claim invalid, as you may prejudice the insurers’ position.

Please note that telephone calls are generally recorded in case a dispute over the advice given by the consultant arises.

Between you and the consultant, a decision will be made as to whether a claim can be made under the Policy. If it is decided that a claim should proceed, you will be transferred to a tax consultant who will deal with all aspects of the claim from thereon.

Information you have provided to the Claimline, including transcripts of all telephone calls you have made to the Claimline about the incident, will be supplied to Arc's Claims Team. This ensures continuity of advice and guidance to you from Arc’s tax consultants.

You will need to supply your NLA membership number. Arc Legal Assistance will check this number with either NLA or Hamilton Fraser to ensure that you are a current and fully paid up member of the NLA.

Once the membership information has been accepted by Arc, you will be sent a claim form to complete and return to Arc as soon as possible. Again, please follow all advice provided by the Claims Team exactly as requested and within the time scales advised.

Can I use my own accountant in the event of an investigation, or would I have to use an accountant specified by the scheme?

As soon as you become aware of a potential claim under the policy, it is important to call the NLA Tax Investigation Insurance Claimline on 0344 770 1060 and then follow their instructions.

Whether you can use your accountant or are required to use an accountant specified by the underwriter would be at the discretion of underwriter. If you use your own accountant without the prior agreement of the underwriter, it may render your claim invalid.

Want to know more about this Tax Investigation Insurance cover?

Hamilton Fraser can assist you with general enquiries regarding eligibility and policy terms and conditions.

Please contact Hamilton Fraser by calling the general enquiries line on 0345 310 6300, or by email. If you are making a claim please call the Tax Investigation Claimline on 0344 770 1060*.

*Calls to 0344 numbers may cost up to 13p a minute and typically up to 41p from a mobile phone, depending on the provider.

Complaints

If you are unhappy with the advice provided by Arc Legal Assistance or with the handling of your claim, please write to:

Business Delivery Director
Hamilton Fraser Insurance
1st Floor, Premiere House
Elstree Way
Borehamwood
WD16 1JH.

You will then be advised on how to formally lodge your complaint against Arc Legal Assistance.

Please note that neither Hamilton Fraser, nor the National Landlords Association, can take responsibility for the quality of advice provided by Arc Legal Assistance or their appointed consultants.

Scheme Policy Number: 10170/60158/05/17/TX Claimline: 0344 770 1060*

*Calls to 0344 numbers may cost up to 13p a minute and typically up to 41p from a mobile phone, depending on the provider.