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Cycle to Work

Fitter, greener and save money with Cycle to Work...

The daily commute to work is something most people have to face. It can be expensive – especially if you drive, and while it’s a necessity, it can feel like wasted time.  If you’re lucky enough not to live too far away from your workplace though, there is an alternative way of commuting that will save you money, reduce your carbon footprint and help you keep fit at the same time – cycling. Gemelli’s Cycle to Work scheme makes it easy for anyone to be able to afford a brand new bike and start cycling to work. If it’s something you’ve been thinking about but not got round to, either because you don’t have a bike, or you need to upgrade the one you have – this is the perfect solution for you. Operating on a salary exchange basis, the scheme allows employees to exchange part of their salary to cover the cost of a new bike and cycle safety accessories, up to a value of £1,000 – without having to pay Tax or National Insurance on the amount they choose to spend.

By using the Cycle to Work scheme, you can save up to 42% on the cost of a brand new bike and/or accessories. What’s more, you can spread your payments over 12 or 18 months.

Cycling has never been as popular as it is now. There are more cycle lanes and cycle paths than ever before, and if you’ve not been in the saddle for a few years, you’ll be pleasantly surprised how much bike technology has advanced. Why sit it out in traffic or put up with standing room only on the bus when you could be cruising to work on your bike?

The bike you like from wherever you want...
It couldn’t be simpler. Select the bike you want from the cycle retailer of your choice and leave the rest to Gemelli. We’ll take care of the paperwork, liaise with your supplier and organise delivery.

Benefits to Employees

  • Save up to 42% on a bike and accessories
  • Spread cost over 12 or 18 months
  • Use bike supplier of your choice
  • Cut the cost of travel to work by leaving your car at home
  • Improve personal health and fitness levels

Benefits to Employers

  • Save on Employer’s NI contributions
  • Improves environmental credentials
  • Supports the Green Travel Plan
  • Contributes to reducing absenteeism and increasing productivity
  • Scheme is self-financing

Contact us today and we’ll get you ready to ride...
If you’d like to make getting to work fun, keep fit and save money, contact us to find out more about the Gemelli Cycle to Work scheme. Call us now on 01280 851113, or email us.

Childcare Vouchers

Two ways to get maximum value from Childcare Vouchers...

Following the expense of  the summer holidays  -  registering for the Childcare Voucher scheme will help working mums and dads make their cash go further – and save their employer money at the same time. This salary exchange scheme allows working parents to pay for childcare prior to having tax and National Insurance deducted from their salary, saving many couples over £1,000 a year on childcare – and reducing the NI contributions their employer has to pay by up to £402 per employee per year.  Vouchers can be used for children from birth up to 1st September following their 15th birthday (or 16th birthday if they are registered as disabled). The scheme helps both parties: Hard-working parents are able to afford quality childcare, and their employers benefit from a happy workforce. For any parents who may still need convincing, we’ve got two suggestions to help them get even more value from Childcare Vouchers:

Use Childcare Vouchers to maximise your tax savings in the current financial year...

Employees who’ve been thinking about registering for the scheme but not got around to it yet should know that if they apply before the end of the current tax year (5th April 2017), they can backdate their vouchers to the beginning of the current tax year. This means that basic rate tax payers can claim their allowance of £243 per month, going back as far as 6th April 2016. They can select to use as much or as little of this allowance as they wish; a parent on basic rate tax registering in September 2016 for example, could claim a maximum of 6 months’ allowance in backdated vouchers - £1,458. Parents who want to take advantage of this tax saving need to act quickly - the sooner they register, the more they’ll be able to save.

Some conditions apply:

  • Employee must not have already used their childcare tax allowance 
  • Child must have been born prior to months being claimed
  • Employee must have parental responsibility for period being claimed
  • Employee must have been employed by current employer for period claimed
  • Deductions must not take employee’s earnings below the National Minimum Wage (company directors are exempt from this condition)

Use Childcare Vouchers to cover tuition fees...

While Vouchers are most often used to subsidise the cost of childminders, nurseries and playgroups, they are extremely flexible and can be used against a wide range of services including before and after school clubs and holiday clubs, helping parents to arrange the cover that best suits their working arrangements. Vouchers can also be extremely useful for parents of older children who are preparing for key stage examinations like the 11 Plus, SATS or GCSEs, as they can be used to help pay for tuition fees. (Please note that Childcare Vouchers can only be redeemed with registered childcare providers.)

Want to find out more...?

If you’re a working parent, register for Childcare Vouchers now to cut the cost of childcare and to save on tax; if you’re an employer with parents of children aged up to 15 in your workforce, encourage them to register for the scheme and reduce your overheads. Call us now on 01280 851113 to discuss the Childcare Voucher scheme, or any of our other employee benefit schemes in more detail, or email us.

Workplace Learning

Increase Workplace Skills & Knowledge for Less with Tax Savings on Work-Related Learning & Professional Fees...
Successful organisations recognise that ensuring employees are able to continuously develop job-related skills, and keep up to date with latest practices through training, helps them to establish and maintain a competitive advantage. Promoting a culture of self-improvement and ongoing professional development makes sound business sense, but can be expensive for employees – and employers too if they are picking up any part of the costs. Gemelli has schemes to assist with the advancement of proficiency and knowledge in a workforce, helping to make work-related training and professional subscriptions more affordable for employees:

Save on Work-Related Learning
Our Save as You Learn scheme helps employees further their opportunities to progress within an organisation, by developing their job-related skills. Operating on a salary exchange basis, the scheme allows an employee to exchange part of their salary to cover the cost of a training course without having to pay any Tax or National Insurance on the value – while also helping their employer by reducing  Employer National Insurance Contributions. The employee simply identifies the course or training they want to undertake to help them do their job better, or further their prospects in the organisation. It could be training, learning a language, or anything else – as long as it’s relevant, and approved by the employer, it will be covered by the scheme

Benefits to Employers
Save on Employer’s National Insurance Contributions
Foster a culture of professional development
Increase workforce skills and productivity
Helps recruit, retain and motivate staff
Self-financing

Benefits to Employees
Save up to 47% on training costs
Spread costs over 6 to 12 months
increase work-related skills
Enhance career prospects

Save on Professional Fees & Subscriptions
In many business sectors, employees are expected to pay for professional fees and subscriptions essential to their work. The Gemelli Professional Fees & Subscriptions scheme is available to any employee required to pay for professional membership that’s part of their employment, so long as it’s directly relevant to the job they currently do and recognised by HMRC. Also operating on a salary exchange basis, the scheme lets employees redirect payments through their salary, saving them up to 47% on the cost of professional subscription fees, while also reducing National Insurance contributions for their employer.

Benefits to Employers
Save on Employer’s National Insurance Contributions
Increase employee engagement
Helps recruit, retain and motivate staff
Self-financing

Benefits to Employees
Save up to 47% of the cost of Professional Subscription fees
Spread cost over 12 months
No need to enter on Tax Return

The Gemelli Save as You Learn and Professional Fees & Subscriptions schemes facilitate tax-savings to assist staff in affording ongoing professional development, and maintaining their professional status. By doing so, they benefit employees and the organisations they work for.

Start Saving Now
To find out more about Gemelli’s Save as You Learn and Professional Fees & Subscriptions schemes, call us now on 01280 851113, or email us.

Fixed Cost Motoring

A new car...enjoy fixed cost motoring.

Most of us aspire to having a new car, but even assuming you can afford to finance the vehicle you have your eye on, the realities of ownership can soon take the shine off it. The independence that motoring brings is not so much fun if, every time you get behind the wheel you’re worrying about the cost of road tax, insurance, servicing, maintenance, replacement tyres, breakdown cover and accident management. So imagine how good it would feel if the only thing you had to think about was adding fuel. It might sound too good to be true, but adding fuel is all that drivers on the Gemelli Salary Exchange Car Leasing Scheme have to do to enjoy worry-free motoring.

Just add fuel... 

Available to companies with just 1 employee to those with hundreds, the scheme gives company directors and employees the opportunity to drive a car of their choice. They simply select their preferred contract term (2 or 3 years) and mileage allowance to create a package that suits their budget – and drive away for a fixed monthly cost to include everything except fuel. The scheme operates on a Salary Exchange basis so employees save on their tax and National Insurance payments – and employers save on their Employer National Insurance Contributions.

Benefits for Employers

  • No minimum employee numbers required
  • Save up to £150 per year in Class 1 National Insurance for each car in the scheme
  • Increase employee loyalty by demonstrating your commitment to helping your staff
  • Use the scheme to help retain & motivate existing employees
  • Attract & recruit new employees
  • No financial risk or liability to worry about if staff leave
  • Supports your company’s green credentials as the scheme promotes the use of low emission cars
  • Assurance that cars are always insured & maintained if used on company business

Benefits for Employees

  • Drive away in the car of your choice for less money
  • Fixed monthly price covers all your motoring costs – just add fuel
  • Enjoy tax & NI savings
  • No credit checks
  • No deposit required

Pricing Example

Whatever your budget, you’ll find the car and the deal that’s perfect for you. The following pricing example is based on a 24 month / 10,000 mile per annum contract on a Citroen DS 3 Diesel Hatchback, 1.6 BlueHDi, DStyle Nav 3dr. No deposit required. Includes road tax, maintenance & servicing, tyres, breakdown cover, accident management and business insurance.

Total net cost: £284.66 per month

You certainly won’t find deals like this at your local showroom. The tax, National Insurance and fleet savings are only available through a salary exchange scheme. Gemelli’s Salary Exchange Car Leasing Scheme is a highly tax efficient solution that makes affordable, fixed price motoring accessible to all company directors and employees.

Ready to pick up the keys..?

Call us on 01280 851113 to discuss this scheme with one of our experts and find out more about how the Gemelli Salary Exchange Car Leasing Scheme can benefit your employees and your organisation. Alternatively you can email us.

My Gemelli Staff Shop

Welcome to a whole world of savings...

When it comes to shopping, we all take a different approach. You might be a leisurely browser or a careful planner; you might love the experience of the high street, or prefer buying online from the comfort of your own sofa – or as most of us do, you probably like to mix it up and do both. But there’s one thing we all share – we all love to save money. My Gemelli Staff Shop is an employee benefit that opens up a whole world of savings and exclusive benefits, providing great discounts from thousands of the UKs largest retailers.

For a small monthly fee per employee, employers can provide their staff with membership of My Gemelli Staff Shop to receive a range of great, money-saving benefits including:

Discount Card  - Offering a 7% discount at a wide range of high street stores including Argos, BHS, Boots, Debenhams, Halfords, House of Fraser, Iceland, M&S, Matalan, Mothercare, New Look, PC World, River Island, Superdrug, Toys ‘R’ Us, Wilko – to name just a few. Simply top up your card online, and however much you choose to load onto it, you will receive a load discount of 7%. So, for example load £100 onto your card to spend as you like and it will only cost you £93.

Exclusive Daily Offers - My Gemelli Staff Shop gives you access to exclusive member-only offers. They cover everything from technology to holidays and are uploaded daily onto the website.

Big Savings on Eating Out - Membership gives you great savings on thousands of restaurants, pubs and cafes across the UK – all conveniently accessible via the My Dining area of the My Gemelli Staff Shop website.

Benefits to Employers

  • Extends staff remuneration at minimal cost
  • Strengthens workforce engagement & loyalty
  • Helps recruit, motivate & retain staff
  • Includes EAP Scheme

Benefits to Employees

  • Discount card gives 7% savings with a wide range of retailers
  • Exclusive member-only deals every day
  • Big savings on eating out, days out & holidays
  • Discounted store gift cards
  • Online cash back
  • Local deals

Contact us and start saving...

My Gemelli Staff Shop is a highly cost-effective way to show your staff how you appreciate them. If you’d like to find out more about this popular employee benefit, call us now on 01280 851113, or email us.

Holiday Exchange

Enjoy a better work-life balance with our Holiday Exchange Scheme

Getting the perfect work-life balance is a goal we’re all continually striving to achieve. No matter how much we might love our job, it’s important to our physical and mental well-being that we find time to do the things that make us happy outside of the workplace. Of course, we’ll all have very different ideas about what the ‘life’ part of the equation means to us, but whatever it is, it will involve time – and sometimes our regular annual leave allowance may not be sufficient.

Our Holiday Exchange Scheme gives employees the option to extend their annual leave allowance by purchasing additional days to use as they wish. Extra days could help with a special event like going on an extended, once in a lifetime holiday, getting married, moving house, or simply taking time out to enjoy quality time with family and friends.

Operating on a salary exchange basis, the scheme lets employees spread the cost of buying extra days across 12 monthly instalments – while their employer saves on the Tax and National Insurance Contributions they have to pay. In fact, the Gemelli Holiday Exchange Scheme offers a range of direct and indirect benefits to employers and employees alike:

Benefits to Employers

  • Helps attract and recruit the best staff
  • Motivates staff, engenders loyalty and improves retention
  • Reduces absenteeism
  • Reduces payroll costs and saves up to 13.8% on Employer’s National Insurance contributions

Benefits to Employees

  • Improves wellbeing and promotes a better work-life balance
  • Gives greater freedom and flexibility
  • Saves up to 47% in tax and National Insurance contributions
  • Spreads cost of extra days over 12 months

It’s not just large organisations that are able to take advantage of our Holiday Exchange Scheme, it’s available to companies of all sizes – even those that have just a few employees. Gemelli will take care of all administration, getting the scheme up and running which will include tailoring the scheme to suit the business, so that all employers and employees have to do is start enjoying the benefits.

Get in touch... 

If you’d like to find out more about the Gemelli Holiday Exchange Scheme, and how it can help you promote a happier and more productive workforce, call us now on 01280 851113, or email us.

A new bike this Spring...

Spring is here...time to get a new bike & cycle to work.

Spring is here again, and with it the promise of longer, lighter, warmer days stretching out into summer. What better time to begin a new, healthier regime, to leave the car at home and start cycling to work?

Using a bike to commute is a great way to save money and keep fit. Wake up with the morning commute and unwind on the ride back home. If cycling to work is something you’ve been thinking about, spring is the perfect time to start, our Cycle to Work scheme makes it easy and affordable.

Cycle to Work is a government initiative designed to encourage more people to use bikes as a greener way to travel to and from work. The scheme operates on a salary exchange basis, employees select to exchange part of their salary to cover the cost of a new bike and cycle safety accessories without having to pay Tax or National Insurance on the amount they choose to spend (up to a total value of £1,000).

You can save up to 42% on the cost of a brand new bike and/or accessories. Plus the scheme allows you to spread your payments over 12 or 18 months.

Get your new bike from the supplier of your choice. Getting your bike couldn’t be easier. Simply select the model you want from the cycle retailer of your choice and leave the rest to Gemelli. We’ll take care of everything else for you, including completing paperwork, liaising with your supplier and organising delivery.

  • Benefits to Employees
    • Save up to 42% on a bike and accessories
    • Spread cost over 12 or 18 months
    • Use bike supplier of your choice
    • Cut the cost of travel to work by leaving your car at home
    • Improve personal health and fitness levels
  • Benefits to Employers
    • Save on Employer’s NI contributions
    • Improves environmental credentials
    • Supports the Green Travel Plan
    • Contributes to reducing absenteeism and increasing productivity
    • Scheme is self-financing

 

Ready to ride? Contact us today...

Contact us to find out more about the Gemelli Cycle to Work scheme. Call us now on 01280 851113, or email us at

A new car and an easier life...

A new car and an easier life...just add fuel and go.

Car ownership can be expensive, and by the time you’ve totted up all the associated costs like insurance and servicing, the car you really want will often be out of your reach. The Gemelli Salary Exchange Car Leasing Scheme gives company employees the chance to drive the vehicle they want, at a fixed monthly cost that includes absolutely everything apart from fuel. And we really do mean everything – drivers on this scheme enjoy worry-free motoring that includes road tax, all servicing and maintenance, replacement tyres, breakdown cover, accident management and fully comprehensive business use insurance. Our car scheme requires no minimum numbers, so whether your company has just 1 employee or hundreds, you can take advantage of the benefits it offers.

How it works

It really couldn’t be easier. Employees simply choose the vehicle they want and select their annual mileage and preferred contract term (2 or 3 years) to calculate a fixed monthly fee that suits their circumstances. Because the scheme operates on a Salary Exchange basis, employees are able to benefit from significant savings on their tax and National Insurance payments – and their employer benefits too – making big savings on their Employer National Insurance Contributions.

Benefits for Employers

  • No minimum employee numbers required
  • Save up to £150 per year in Class 1 National Insurance for each car in the scheme
  • Increase loyalty by demonstrating your commitment to helping employees
  • Help retain & motivate existing employees
  • Attract & recruit new employees
  • No financial risk or liability to worry about if staff leave
  • Supports your company’s green credentials

Benefits for Employees

  • Drive away in the car of your choice for less money
  • Fixed monthly price covers all your motoring costs – just add fuel
  • Enjoy tax & NI savings
  • No credit checks
  • No deposit required

Pricing Example

The pricing example is based on a 24 month / 10,000 mile per annum contract on a Citroen DS 3 Diesel Hatchback, 1.6 BlueHDi, DStyle Nav 3dr. No deposit required. Road tax, maintenance & servicing, tyres, breakdown cover, accident management and business insurance (for 2 main drivers) are all included. Total net cost:  £284.66 per month

The Gemelli Salary Exchange Car Leasing Scheme is a highly tax efficient solution that makes affordable, fixed price motoring accessible to all company directors and employees.

Contact us today

Call us on 01280 851113 to discuss this scheme with one of our experts and find out more about how the Gemelli Salary Exchange Car Leasing Scheme can benefit your employees and your organisation. Alternatively you can email us.

Get more from your Childcare Vouchers

Get the maximum value from your Childcare Vouchers...

Following the expense of Christmas, January can seem like an especially long month for employees,  particularly those who have to pay for childcare. Registering for the Childcare Voucher scheme will help working mums and dads make their cash go further and save their employer money at the same time. This salary exchange scheme allows working parents to pay for childcare prior to having tax and National Insurance deducted from their salary, saving many couples over £1,000 a year on childcare and reducing the NI contributions their employer has to pay by up to £402 per employee per year.  Vouchers can be used for children from birth up to 1st September following their 15th birthday (or 16th birthday if they are registered as disabled).

The scheme helps both parties: Hard-working parents are able to afford quality childcare, and their employers benefit from a happy workforce. For any parents who may still need convincing, we’ve got two suggestions to help them get even more value from Childcare Vouchers:

Use ChildCare Vouchers to maximise your tax savings in the current financial year

Employees who’ve been thinking about registering for the scheme but not got around to it yet should know that if they apply before the end of the current tax year (5th April 2016), they can backdate their vouchers to the beginning of the current tax year. This means that basic rate tax payers can claim their allowance of £243 per month, going back as far as 6th April 2015. They can select to use as much or as little of this allowance as they wish; a parent on basic rate tax registering in February 2016 for example, could claim a maximum of 10 months’ allowance - £2,430, available to allocate before the new tax year begins.  Parents who want to take advantage of this tax saving need to act quickly - the sooner they register, the more they’ll be able to save.

Some conditions apply:

  • Employee must not have already used their childcare tax allowance
  • Child must have been born prior to months being claimed
  • Employee must have parental responsibility for period being claimed
  • Employee must have been employed by current employer for period claimed
  • Deductions must not take employee’s earnings below the National Minimum Wage (company directors are exempt from this condition)

Use ChildCare Vouchers to cover tuition fees

While Vouchers are most often used to subsidise the cost of childminders, nurseries and playgroups, they are extremely flexible and can be used against a wide range of services including before and after school clubs and holiday clubs, helping parents to arrange the cover that best suits their working arrangements. Vouchers can also be extremely useful for parents of older children who are preparing for key stage examinations like the 11 Plus, SATS or GCSEs, as they can be used to help pay for tuition fees. (Please note that Vouchers can only be redeemed with registered childcare providers).

Contact Us Today

If you’re a working parent, register for Childcare Vouchers now to cut the cost of childcare and to save on tax; if you’re an employer with parents of children aged up to 15 in your workforce, encourage them to register for the scheme and reduce your overheads.

Call us now on 01280 851113 to discuss the Childcare Voucher scheme, or any of our other employee benefit schemes in more detail, or email us.

Work Life Balance

Help employees get the right balance in 2016 and see the difference it could make to your business.

Life always feels better when we look after ourselves properly and everything’s in balance: our health and well-being improves, we handle stress better, and we’re more fulfilled at home and at work. Gemelli’s range of wellbeing employee benefit schemes are all designed to help staff keep themselves fit and healthy, and – in achieving a better work-life balance – help them make a greater contribution to the workplace. Our wellbeing benefit schemes mean that there’s something for everyone. And to show you just how easily you can help your staff look after themselves better in 2016, here is a selection of our most popular ones:

Discounted Health Club & Gym Membership

The relationship between exercise and the feel-good afterglow that results is well recognised. Moreover, regular exercise can also reduce the risk of certain health conditions such as heart disease and stroke. Quite simply, this scheme promotes health, fitness and well-being amongst employees. It’s a simple and flexible scheme that offers employees discounted Health Club and Gym Memberships. With no administration for the employer, it’s a voluntary benefit allowing staff to join a club at the lowest corporate rate, purchased directly by the employee. Nationwide selection from over 2,700 clubs (high street names and independents), many with Joining fees waived. Savings range from 10% - 30%. Discounts can apply to existing memberships and can be extended to immediate family.

Cycle To Work

Cycling is yet another way to stay fit and healthy, and, if staff live within cycling distance of their workplace, using a bike to commute there makes a lot of sense. Gemelli’s Cycle to Work Scheme could be just the incentive an employee needs to get in the saddle. The Cycle to Work scheme operates on a salary exchange basis allowing an employee to cover the cost of a bike and safety accessories up to a value of £1,000 – without having to pay tax or National Insurance on the value. Additionally, the scheme is self-financing and enables the employer to make savings on Employer National Insurance Contributions. Save up to 42% on the cost of a brand new bike and/or accessories and spread the cost over 12 or 18 months. Use bike supplier of your choice. Gemelli organises everything else...

Health Screening

Just as important as being fit and active is making sure that you’re proactively looking after your health and well-being – both at home and work. The Gemelli Health Screening Scheme is an effective way to improve this. Also operated via salary exchange, this self-financing scheme gives employees the opportunity to benefit from screenings at a significantly reduced cost, and employers the chance to make financial savings on Employer NI Contributions.As well as helping to identify pre-existing health problems and uncover medical conditions early, it also provides peace of mind and lifestyle recommendations on keeping fit and healthy and how to help prevent further ailments. The scheme offers a range of comprehensive health screenings at significantly reduced cost.Save between 32% and 47% through tax and National Insurance savings with the option to spread cost over 6 or 12 months. (Option for employer to subsidise cost.) Choice of clinic locations.

Health Cash Plans

Making sure that you look after yourself properly isn’t just about the big decisions in life – it also extends to everyday healthcare. As one of the UK’s fastest growing employee benefits, Health Cash Plans offer a simple and affordable way for employees to   healthcare . Designed to suit all types of businesses and budgets, this employer sponsored (or voluntary employee paid) savings plan enables staff to pay for their everyday healthcare and recoup up to 100% of their costs via prompt cashback payments. Covers a range of common healthcare areas (including dentistry, optical, chiropody, physiotherapy, specialist consultations, Alternative Therapies) starting from as little as £1.20 per week per employee. The cover can be extended to immediate family, dependents up to the age of 21 and in full-time education are covered free. Option to increase cover to include Private Medical Insurance Excess.

Scheme Benefits for Employers

Whilst each of these schemes can be introduced independently, they offer complementary benefits in promoting improved employee health and well-being. The benefits aren’t just reserved for the employees though...

  • Demonstrates company’s commitment towards employee well-being – increasing staff morale, engagement and loyalty
  • Leads to a healthier and more productive workforce – reducing sickness rates and the cost and impact of long and short term absenteeism
  • Enhances your employer reputation, and ongoing recruitment and retention – through high perceived value of benefits
  • Financial savings on Employer’s National Insurance Contributions (for Salary Exchange schemes)
  • No minimum numbers required

Contact Us Today

Are you ready to introduce your employees to a fitter and healthier 2016? Would you like to reduce absenteeism due to sickness and have a more engaged and productive workforce?

Call us now on 01280 851113 to discuss any of our healthcare schemes in more detail, or email us

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