Claims Examples

A husband and wife partnership selling and installing double glazing was investigated by HMRC. At a meeting, HMRC alleged the husband had been dishonest. By the end of a long and detailed enquiry, HMRC repaid £129 of tax to the partnership and apologised, confirming that the allegation of dishonesty was a case of mistaken identity. Accountancy fees were approximately £5,000 and were paid in full by Vantage.

Business accounts for a wine shop were challenged by HMRC. HMRC claimed that expenditure of more than £150,000 on improvements to the shop front and interior was not allowable for tax purpose and that additional tax of £30,000 was due. Further detailed research into the relevant tax law and previous tax cases was necessary to dispute HMRC’s contentions. In the end, HMRC allowed the expenditure in full. Fees of £3,000 were paid in full by Vantage.

A property developer had a VAT Compliance Review. Following the review, HMRC contended that because the client was making both exempt and VATable supplies, they should not have recovered 100% of input tax from previous years. The client’s accountant successfully disputed this on the basis that the client was below the partial exemption de minimis limit, avoiding a potential VAT liability of more than £20,000. Accountancy fees of £3,700 were incurred and were paid in full by Vantage.


Statement of Demands & Needs

When purchasing a product from our shop you will first be asked to register for an account. Once you have completed our online application form and made payment, you will be able to log into your account to view your policy documents or product information.

It is important that before deciding to purchase a Vantage product you consider whether the insurance is appropriate for you. 

You should read thoroughly all the product information we have made available to you, in particular the Specimen Policy Wording together with the Insurance Product Information Document (IPID) before deciding to purchase your chosen product. These documents contain the full Policy Terms and Conditions. 

Please note that you are basing your purchase solely on your own interpretation of the information we have provided.


Qdos Broker & Underwriting Services Limited is an insurance intermediary that specialises in the provision of specialist insurance schemes.  Qdos Broker & Underwriting Services Limited is authorised and regulated by the Financial Conduct Authority.  For further information about Qdos please click here.