How can my IPSE membership save me money?

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IPSE is here to make sure that you and your business are protected and supported as you navigate your career as a freelancer or contractor – we’ve got your back with insurance, information, and advice.

We also make sure that your voice is heard loudly where it matters, but did you know that your membership can actually save you money too?

IPSE Rewards and offers from our partners

You may not have realised, but your IPSE membership is your gateway to a whole host of discounts to help not just in the running of your business, but also in your day-to-day spending and for those little treats.

IPSE Rewards provides discounts and special offers on everything from IT equipment and travel to nights out and your weekly shop. Many IPSE members have saved enough through our rewards platform to cover the cost of their membership several times over!

Our carefully selected partners and the IPSE Marketplace also provide a range of products and services at a discount to IPSE members. If you need protection for your business, Markel will give you 10 per cent off vital contractor insurance; with this offer available for professional indemnity and public and employers liability insurance. Other IPSE partners can help you get a good deal on your mortgage (CMME), and provide you with access to better business banking (Tide).

Tax investigation cover

One ever-present risk to contractors is the threat of an HMRC tax investigation. These are not only stressful, but they can also be very expensive.

If you're a Freelancer, Umbrella, or Director member, we will pick up the bill for your legal expenses and ensure that you have the best representation possible to fight your case if you are ever investigated by the Revenue. Depending on your membership category, IPSE membership provides you with up to £100,000 of professional expenses insurance, more than enough to cover the typical cost of fighting a tax enquiry.

The expert representative we appoint to defend you will be a specialist in the field so, if it gets that far, we can make sure you have the best possible chance of winning in court - meaning it’s far less likely you’ll be left with a large, unexpected tax bill.

Cover varies between membership categories. See what you're covered for >

Business interruption cover

If you’re self-employed, taking time out of work for any reason can cost you a fortune, but sometimes it’s unavoidable.

IPSE membership provides you with cover so that if you have to take time out of work for things like jury duty, or if you’re ill or injured, you don’t have to worry about the loss of income. And, in the unfortunate event that a client goes out of business owing you money, we can even cover up to £10,000 of losses to your company.

Cover varies between membership categories. See what you're covered for >

Unlimited co-working, templates, helplines and more

By sourcing benefits for our members and grouping them together into each of our tailored member categories, we can provide value that you wouldn't otherwise receive if you were to purchase each benefit individually. For example, AndCo co-working membership is now included when signing up to IPSE, saving you £20 a month at no additional cost - that’s a saving of £240 a year! 

Not to mention the Business Hub, a resource platform created and maintained by qualified legal and business advice experts at Markel with 100s of templates, guides, tools and helplines. Usually costing £189 +VAT a year, this is included for free with IPSE membership. 

And these are just two examples of the value you get from your benefits by being a member.

Supporting our campaigns

Ultimately, much of the work that we do is aimed at creating a fairer playing field for the self-employed and our campaigns and lobbying directly impacts the way you pay tax and the amount of support you get from the government. But we couldn’t do it without you. Your help and backing is crucial to our ability to make our voice heard.

If you have any questions about the benefits of your IPSE membership, please don’t hesitate to contact the membership team. We can be reached by email on [email protected], by phone on 0208 897 9970 or via our contact form.

Financial Wellbeing

Find out how to manage your accounts, increase your income, and make the most of your outgoings and expenses. And how to tackle missed or late payments to minimise disruption to your finances.

Learn more

IPSE Offers

IPSE offers it's members a wide variety of deals at preferential rates. Search the below categories and find your perfect deal.

IPSE Offers

Upcoming events

IPSE organises, supports and collaborates on over 100 events every year, from practical webinars, networking events and conferences. IPSE sources experts in their field to support the self-employed, with the events covering a wide range of topics.

Upcoming events

Meet the author

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IPSE is the leading association for contractors, consultants, interims, freelancers and the self-employed. We strive to bring our members the most comprehensive and useful range of information and services and all the latest news about what affects your business.