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Tips & Advice You & Your Business

Year

Issue 22 - 23.09.2009
- 1. More laundering
- 2. A cheaper debt recovery option
- 3. Do you need to register your waste packaging?
- 4. The trouble with employing family members
- 5. Avoiding the entertainment tag
- 6. Directors’ help with health and safety at work
- 7. P11Ds and your 2009/10 tax code
- 8. One cigarette costs a director £265
- 9. Laptops break data protection laws
Issue 21 - 10.09.2009
- 1. Is swine ‘flu a “force majeure” event?
- 2. How to avoid wrecking your company’s credit rating
- 3. Public contracts for small companies
- 4. More pension plan changes
- 5. What (not) to say to the fire inspector
- 6. Tax deductible entertainment
- 7. Must you protect employees from swine ‘flu?
- 8. Companies House overload
- 9. New tax penalty rules now apply
Issue 20 - 15.07.2009
- 1. Do companies need PROOF?
- 2. New data protection guidance
- 3. Darling’s extra dividend duty
- 4. Business directory scam warning
- 5. Disapproving of approved mileage rates
- 6. Is a statutory demand the answer?
- 7. Directors’ tax returns
- 8. Important rate changes on October 1
- 9. Get a European Health Insurance Card
Issue 19 - 01.07.2009
- 1. Who’s liable for an employee’s injury?
- 2. Tax allowances for two wheelers
- 3. The Enterprise Finance Guarantee
- 4. Don’t blow your fire insurance cover
- 5. What is “reasonable notice”?
- 6. Be prepared for battle on IR35
- 7. Dealing with recruitment agencies
- 8. Did you submit a directors’ report?
- 9. Potential scam warning
Issue 18 - 17.06.2009
- 1. A new interest charge
- 2. Unfair interest charged on credit cards
- 3. Same job, same hours, same pay, less tax!
- 4. Reducing your legal bills
- 5. Are your liabilities limited?
- 6. What’s a reasonable adjustment?
- 7. RIP higher rate tax relief on pension premiums?
- 8. What’s on your company laptops?
- 9. Can you trust a trader?
Issue 17 - 04.06.2009
- 1. First company manslaughter case
- 2. When is paying tax a benefit?
- 3. Companies behaving badly to get ASBOs
- 4. New law signals tougher line from Companies House
- 5. Fiddling the expenses system
- 6. Beat the VAT rate increase
- 7. Are you banking on your mobile phone?
- 8. New CO2 emissions rates
- 9. Employment contracts worthless
Issue 16 - 20.05.2009
- 1. Deferring business rates
- 2. Budget 2009 - the important changes
- 3. Cutting the banks out of lending
- 4. Property investment to pay for further education
- 5. Clearing out poor performers
- 6. HMRC benchmark scale rates for subsistence
- 7. Can’t claim interest - it’s wrong!
- 8. Further extension for tax relief on losses
- 9. £1,000 grants for training
Issue 15 - 07.05.2009
- 1. What’s a pre-pack?
- 2. Backing out of an unsuccessful franchise
- 3. Earning interest from your company
- 4. Taking extra care with health and safety
- 5. Topping up your income with a USP
- 6. Mediation in the workplace
- 7. Taxman rings the changes on time limits
- 8. You must have a HIP to sell
- 9. Q&A - damage to company vehicle
Issue 14 - 23.04.2009
- 1. Flexible working rights extended
- 2. The hidden advantages to benefits
- 3. Scam alert - training doesn’t exist
- 4. Getting caught for jury service
- 5. Can you always rely on a non-waiver clause?
- 6. Is a loss worth something to your company?
- 7. Turning a blind eye will breach your duty
- 8. Forms P46(Car) - new rules
- 9. Mortgage problems - or not?
Issue 13 - 08.04.2009
- 1. Reclaiming unfair bank charges
- 2. How far can you push your customer?
- 3. Avoiding tax on company mobile phones
- 4. Maternity leave and redundancy
- 5. Worth signing up to the Prompt Payment Code?
- 6. Dangers of buying personal data
- 7. Taxman’s new enquiry powers
- 8. VAT and temporary staff
- 9. Don’t get caught out by counterfeit coins
Issue 12 - 25.03.2009
- 1. The new ACAS Code of Practice
- 2. How many annual investment allowances?
- 3. Do contracts need to be signed?
- 4. Taking on a new director
- 5. Should I ask for a letter of credit?
- 6. Pension reforms
- 7. Annual reliefs from tax
- 8. New rate for beneficial loans
- 9. Fraudsters target directors
Issue 11 - 11.03.2009
- 1. New tax investigation rules from April
- 2. Is invoice discounting right for you?
- 3. Providing food for employees
- 4. CVs - is your dream recruit a potential nightmare?
- 5. Pitfalls to sharing a website log-in
- 6. New credit card trick
- 7. Tax demands by text
- 8. Hotel budgets cut to make savings
Issue 10 - 25.02.2009
- 1. VAT surcharge problems
- 2. Dealing with waste
- 3. State pension top-up
- 4. Hard times lead to employee fraud
- 5. Who owns the goods?
- 6. How to clear a director’s loan account
- 7. Neighbourhood networking
- 8. Steep rise in Companies House penalties
- 9. Double tip scam
Issue 09 - 11.02.2009
- 1. Employee-owned cars, who’s responsible?
- 2. Pension deadline approaching
- 3. Planning business transfers for maximum benefit
- 4. Wills - is a professional executor worth it?
- 5. Company car savings
- 6. Signed a contract or a guarantee?
- 7. Deadline to avoid surcharges
- 8. Increased rules for travel to the US
Issue 08 - 28.01.2009
- 1. Home-to-work travel expenses
- 2. Onerous terms - are they still enforceable?
- 3. Wills, do I really need one?
- 4. Raising money from family and friends
- 5. Court rules - service of documents
- 6. Can’t move? Then extend
- 7. When to notify your insurer
- 8. Buying limits
- 9.
Issue 07 - 14.01.2009
- 1. Changes to the annual return
- 2. Director liable for company tax
- 3. Bailiffs at the door - what are your rights?
- 4. The personal risk of passing off
- 5. Do you have to pay liquidated damages?
- 6. Don’t get IT wrong
- 7. Preparing your business for sale
- 8. Time to reduce your share capital?
- 9. Temporary workplace travel costs
Issue 06 - 17.12.2008
- 1. How much will the PBR cost you?
- 2. Changing a director’s job description
- 3. Cutting power charges
- 4. A loan from the company?
- 5. Look out for foreign bank charges
- 6. Is gold a good investment?
- 7. Cash versus credit card
- 8. Top tips for productive meetings
- 9. Data protection
Issue 05 - 03.12.2008
- 1. Three more duties...
- 2. Inheritance Tax tactics
- 3. When the fireman calls
- 4. Is it worth having a full survey?
- 5. Cutting sickness costs
- 6. Waste problems
- 7. Simple ways to improve cash flow
- 8. Probate scam
- 9. Do you need more contact details on your site?
Issue 04 - 19.11.2008
- 1. Do you have sufficient life assurance?
- 2. Another way to get your money?
- 3. Extra funding for staff training
- 4. Has the Taxman grown more teeth?
- 5. No money to pay the rent?
- 6. How to avoid becoming a victim of ID theft
- 7. Complain within 14 days or else...
- 8. Stay productive with a DIY fix for your PC
Issue 03 - 05.11.2008
- 1. Sell the Merc to the company?
- 2. Don’t overlook the risks of homeworking
- 3. “Your papers, por favor...”
- 4. Anywhere safe to put your money?
- 5. An offer that’s too good to be true?
- 6. Going back in time to get your money
- 7. Watch what you throw out!
- 8. Question that renewal
- 9. Extra protection for your brand
Issue 02 - 22.10.2008
- 1. Playing hardball with slow payers
- 2. Landlord to sell up?
- 3. Petal power...
- 4. Conflict in the board room
- 5. Personal computers on the Taxman?
- 6. More cancellation rights
- 7. Hire car pitfalls
- 8. A growing business
- 9. The fear of the bank move
Issue 01 - 08.10.2008
- 1. Got your EPC yet?
- 2. Hire car blues
- 3. Take care with Internet comparison sites
- 4. I thought we had a deal!
- 5. Do you want a receipt?
- 6. Work less and pay less?
- 7. Where to sue?
- 8. Minimum wage up again

Insurance

28 January 2009

When to notify your insurer

You know that to succeed with any type of insurance claim you have to notify your insurer. But at what point should you do this - when an incident arises, or on receipt of a solicitor’s letter?

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© Indicator - FL Memo Ltd • Telephone: (01233) 653500 • Fax: (01233) 647100 • customer.services@indicator-flm.co.uk • www.indicator-flm.co.uk
Calgarth House, 39-41 Bank Street, Ashford, Kent TN23 1DQ • VAT GB 726 598 394 • Registered in England • Company Registration No. 3599719

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Indicator - FL Memo Ltd
Tel: (01233) 653500. Fax: (01233) 647100
customer.services@indicator-flm.co.uk
www.indicator-flm.co.uk

Calgarth House
39-41 Bank Street
Ashford, Kent TN23 1DQ

VAT GB 726 598 394
Registered in England
Company Registration No. 3599719