How to claim a National Insurance refund

Our experts tell you everything you need to know about claiming a refund on overpaid National Insurance

Our experts at DSR Tax Claims know how hard it is to find good, quality information about HMRC’s tax regulations that is easy to understand, and that’s why we have created these handy guides to tell you everything you need to know. Our aim is to make life easier for our clients and that is why we want to share our expertise with you. You can also call our friendly team on 0330 122 9972 – we’re the tax experts you can trust.

Can you claim a National Insurance refund?

If you have been looking around our helpful site, you will know that many people are entitled to a tax refund on their overpaid taxes, but you might not be aware that you could claim a refund on your National Insurance contributions under certain circumstances.

If you think you have paid too much National Insurance, you can claim a refund. You will need to know which class of National Insurance you are claiming the refund for.

Class 1 Refunds

To claim a refund of your Class 1 National Insurance contributions, you will need to contact your employer. If you have paid too much, they should be able to refund you in real time through the payroll system. If your employer can’t refund you through payroll for any reason, you will need to contact HMRC at the end of the tax year for which you are claiming a refund. You will need to include the following information:

  • Your National Insurance number;

  • Why you think you have overpaid;

  • Which tax year your claim relates to;

  • How much tax and National Insurance you paid in that tax year – include your P60 or a statement from your employer as supporting evidence;

  • Why you can’t get a refund from your employer.

There’s no deadline for claiming if you overpaid your National Insurance due to having more than one job, but there is a deadline of 6 years to claim if you overpaid due to paying the wrong rate, because you shouldn’t have paid National Insurance or because your employer made a mistake.

Class 2 Refunds

The way you claim a refund for these National Insurance contributions will depend on the reason you want to claim a refund.

If you are claiming because you shouldn’t have paid in this class, you need to fill in form CA8480 within 6 years of the tax year you are applying for.

If you have paid too much into this class of National Insurance contribution, you will need to write to HMRC with the following details:

  • Your National Insurance number;

  • Why you think you have overpaid;

  • Which tax year your claim relates to;

  • Your earnings for that year – include proof of earnings, such as a copy of your accounts for the year.

Class 3 refunds

To claim a refund of your Class 3 National Insurance contributions, you need to write to HMRC with the following information:

  • Your National Insurance number;

  • Why you want a refund;

  • Which tax year your claim relates to;

If the Class 3 refund refers to Class 3A (State Pension top up) contributions, claiming a refund will depend on when you made the initial payment. If it was within the last 90 days, you can request a refund from HMRC as part of a ‘cooling off’ period and you will need to call HMRC on 0345 600 4270 to request a refund. Unfortunately, if you made the payment over 90 days ago, you can’t claim a refund on those top up contributions.

Class 4 refunds

Again, the way you claim a refund of these National Insurance contributions depends on the reason you want a refund. If you think you shouldn’t have been paying this class of contribution, you need to contact the Self-Assessment helpline on 0300 200 3310 (Textphone: 0330 200 3319) within 5 years of the tax year you want to claim a refund for.

If you think you have paid too much National Insurance in this class, you need to fill inform CA5610. You need to fill this in after 1st February following the tax year in which you have overpaid but there is no deadline to claiming these refunds.

What is the HMRC address for claiming National Insurance refunds?

The address for writing to HMRC with your requests for National Insurance refunds is:

HM Revenue and Customs, National Insurance Contributions and Employer Office, BX9 1AN

Make sure you include all the relevant information, such as National Insurance number and the tax year you are referring to – it all makes the refund process smoother and quicker for you.

How can DSR Tax Claims help?

We know that claiming back overpaid National Insurance contributions can be a real bind, even with our helpful guide to tell you everything you might need to know. It can seem like an absolute minefield, but help is always available and you don’t need to battle through this alone. Our team of experts at DSR Tax Claims are always on hand to help our clients so call our friendly team on 0330 122 9972 – we’re the tax experts you can trust.

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