hi all again

can i claim for my house insurance and at what % my wife usually does 40hrs
and will it reduce on the weeks she does less hours considering i have to pay for a full year anyway and do i divided it by 52 like utilities etc or put in a one of claim

can i claim for the cost of a new lawn mower and the fuel to run it as the children us my garden.

thx again

Hello again!

You have some very specific requirements there.

If they are not dealt with on this link -

http://www.hmrc.gov.uk/manuals/bimmanual/bim52751.htm

Then I suggest you contact HM Revenue and Customs and ask their advice...

0845 300 3939.

I hope this helps :D

With house insurance I was going to get the insurers to provide 2 quotes, one for if I wasn't childminding and just claim the difference. But my policy actually was cheaper when I started childminding so I couldn't!

With things like lawnmowers or anything else you buy, one way to think about whether you can claim is:

- would you have bought it if you weren't childminding? ie, if childminding was to stop tomorrow would you sell/give away as you don't need it any more? If its 100% used by business and not needed for household purposes you can claim 100% -- eg: cots, stairgates, car seats, storage boxes, flannels, food, squash, craft materials, toys, batteries, etc

- do you use it for childminding but family members also use it or you use it for personal/non childminding reasons? eg printer inks, mobile phone, toilet roll, cleaning materials, food, tea/coffee (for mindee parents at interviews). Then you either buy separate products for the business and household and claim 100% of those you bought for business or you claim 50%. Best to keep all receipts so you can show how you've arrived at the figures you're claiming if ever asked to do so.


HTH