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Company Benefits

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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

Cut Living Costs...

The rising cost of living doesn’t have to mean cutting back, tightening your belt or making do with second best. Gemelli’s range of voluntary employee benefit schemes give you access to specially negotiated discounts on a diverse selection of products and services.To show you just how easily you can cut the cost of living in 2016, here are just a selection of our most popular voluntary benefit schemes:

Home Utilities

For most of us, energy and telecoms will make up a large part of our monthly outgoings. We’ve teamed up with The Utility Warehouse (as recommended by the consumer publication Which?) to bring you substantial savings on a wide range of utility services. Save on gas, electricity, broadband, home phone & mobile bills. Double the difference price promise. No minimum contract term.

Home Appliances*

From fridges, freezers, dishwashers and washing machines, to vacuum cleaners, food mixers and coffee dispensers, we depend on home appliances to make our lives easier. Quality products can be expensive, but register for this voluntary benefit and you – and your immediate family – will be eligible for great discounts on large and small home appliances from Bosch. Free home delivery. Access to special offers. Free 2 year appliance warranty.14 day ‘no quibble’ return policy.

Retail Discounts*

This scheme gives employees access to a wide range of money-saving deals that can be redeemed on the high street, online and over the phone, extending spending power on everything from shopping, gifts, gadgets, eating out, holidays….and much, much more besides! 5 ways to save with online savings, discount card, reloadable shopping cards, cashback and telephone shopping offers.

Health Cash Plans*

Operated in partnership with Health Shield, this voluntary benefit offers simple and affordable cover to help meet every day healthcare expenses. Starting from just £1.20 a week for basic cover, there are health cash plans to suit all pockets, and you can upgrade whenever you like. Simply have your treatment, then claim back part or all of the cost depending on your level of cover. Dependent children covered FREE up to the age of 21 in full-time education. Cover includes: dental, optical, chiropody, physiotherapy, specialist consultations and hospital bills. No medical or GP referral required.

Wills & Estate Planning  

We work with members of the Society of Will Writers to bring you this benefit which gives you access to independent professional advice on a fixed priced basis. More than two thirds of UK adults put off making a will until it’s too late. The consequences for those left behind can be disastrous. Now you can get a properly drafted will in place to protect your dependents and provide you with peace of mind. Fixed prices & 10% discount on published prices. Option for convenient Skype or telephone appointments. Comprehensive advice, including wills, power of attorney, funeral plans, trusts & probate.

* Some schemes will require your employer’s involvement.

Contact us...

Are you ready to cut the cost of living in 2016? Would you like to spend less on bills and have more money to use for those things you really want? Call us now on 01280 851113 to discuss any of our voluntary employee benefit schemes in more detail, or email us 

Employee Health & Wellbeing

Look after employees...and your Business.

When writing a New Year Wish List for your business, the recruitment and retention of loyal, motivated and dependable employees is always a priority. Having the right calibre of staff not only ensures that your business is productive and successful, it also means it’s in safe hands. Now rewrite that wish list – although this time – for your everyday life. There’s likely to be a set of factors that would not only feature just as highly, but would also be shared by many of your employees: good health, strong relationships/support networks at home and work, a lack of financial worries and stress, and an enjoyable and rewarding career. And yet, for many employees, this is a time of year when life can be at its most demanding and challenging. So why not help them help themselves – and help your business benefit at the same time?

2 ways to keep employees healthy and happy

The Gemelli Employee Assistance Programme and Health Cash Plans are two employer-initiated schemes designed to help you look after one of your most valuable assets: the health and well-being of employees. Here’s how they could make a positive difference to your workforce and your business...

Employee Assistance Programme

The Gemelli Employee Assistance Programme offers strictly confidential, impartial advice and counselling via a 24-7 telephone support line. As a company-paid scheme provided free of charge to staff, it enables employees (and their immediate family) to access practical and emotional support on a range of both work and non-work related issues.

Potential topics include relationship worries, work or staff difficulties, mental health concerns (e.g. stress, anxiety, depression) and bereavement through to financial, legal and practical advice such as money matters, consumer rights, divorce, parenting plus careers and training.

As well as aiding ground-level employees, it can also supplement your HR function by highlighting prevalent trends or issues, areas of concern, and training needs, as well as providing support for managers and supervisors handling challenging or delicate situations (e.g. disciplinary or grievance scenarios, performance issues, or offering appropriate pastoral support).

Gemelli Health Cash Plans

Health Cash Plans offer a simple and affordable way for employees to benefit from healthcare cover. They enable employees to pay for their everyday healthcare and recoup up to 100% of their costs via prompt cashback payments. Designed to suit all types of businesses and budgets – and starting from as little as £1.20 per week per employee – this employer sponsored (or voluntary employee paid) savings plan can be used to cover a range of common healthcare areas including dentistry, optical, chiropody, physiotherapy, alternative therapies and specialist consultations.

The options are comprehensive, such that cover can be increased accordingly to include a partner, and other benefits such as Private Medical Insurance Excess. Dependents up to the age of 21 and in full-time education are covered free.

Scheme Benefits for Employers and Employees

Whilst each of these schemes can be introduced independently, they offer complementary benefits:

Benefits for Employers

  • Demonstrates company’s commitment towards employee well-being – increasing employee morale, engagement and loyalty
  • Reduces sickness rates and the cost and impact of long and short term absenteeism – by proactive and early monitoring/treatment of potential health problems
  • Enhances your employer reputation, and ongoing recruitment and *retention – through high perceived value of benefits
  • Integrates with occupational health strategies, supports your duty of care and contributes towards health and safety compliance

[* A recent survey by the Chartered Institute of Payroll Professionals (CIPP) found that 74% of employees were more likely to stay loyal to a company that offered ‘great benefits’.]

Benefits for Employees

  • Supports improved general health, and both personal and work-related emotional well-being
  • Provides comprehensive options and support – 24/7 confidential telephone advice and counselling (with 1:1 face-to-face consultations also available)

In addition to the benefits above, both schemes are easy and straightforward to initiate, with low premiums and no minimum numbers required. With Christmas coming and New Year resolutions just around the corner, there’s no better time to put your employees at the forefront of your business success. Helping employees improve and maintain their health and well-being will serve to help your productivity. Quite simply, if you look after them – they’ll look after you.

Contact us today

If you have any questions, or would like to find out more about our Employee Assistance Programme and/or Health Cash Plans, call us now on 01280 851113. Alternatively, email us.

A New Bike for Christmas

Get fit & save money in 2016 with the Gemelli Cycle to Work Scheme

Bikes and Christmas were made for each other – few other things manage to combine excitement and practicality in equal measures. Using a bike to commute makes a lot of sense – it’s fun, relatively inexpensive and a great way to stay healthy. If it’s something you’ve been thinking about but not got around to yet, our Cycle to Work scheme is just the incentive you need to get in the saddle. 

Cycle to Work is a Government initiative 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, which means an employee can select to exchange part of their salary 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. It means you can save up to 42% on the cost of a brand new bike and/or accessories. What’s more, you can spread the payments over 12 or 18 months.

Get a new bike from wherever you like...

Getting your bike couldn’t be easier. You simply select the model you want – from the cycle retailer of your choice, and Gemelli will take care of everything else – from completing the 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
  • Improve 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

Get your bike in time for Christmas

To find out more about the Gemelli Cycle to Work scheme – and to make sure there’s a new bike under your Christmas tree this year, call us now on 01280 851113, or email us.

Save on parking costs

Save Money on Parking with the Gemelli Parking at Work Scheme...

For many people, getting to work means having to get in the car. Often though, travel is only part of the expense of the daily commute. In towns and cities especially, many employers struggle to provide sufficient parking for their workforce, with the result that staff will frequently have no option other than using the nearest private or local authority car park. The cost of parking in inner city areas can be substantial, and discounted rates are only available for those individuals who are able to afford to pay in advance for a season ticket. If you have to pay to park close by to your workplace – or if your employer requires you to pay a fee to park on site, our Parking at Work scheme offers a simple, flexible money-saving solution. 

Parking at Work is a salary exchange scheme: An employee can choose to exchange part of their salary to cover the cost of their parking permit or season ticket – without having to pay any Tax or National Insurance on the value. As well as being able to save up to 47% on the cost of parking, the scheme enables an employee to spread the cost over 12 months. The scheme applies to parking vans and motorcycles as well as cars, and subject to approval, you can select any car park that’s within reasonable distance of your place of work.

Savings Illustration...

Basic Rate Tax Payer
Annual Parking Cost  £1000
Cost to Employee  £680
Net Saving  £320
Higher Rate Tax Payer
Annual Parking Cost  £1000
Cost to Employee  £580
Net Saving  £420

 

 

 

 

 

Benefits to employees...

  • Save up to 47% on parking costs
  • ​Get access to season ticket discounts
  • ​Spread costs over 12 months

Benefits to employers...

  • Save on Employer’s NIC
  • Help your staff park at or close to their workplace
  • Assists with employee recruitment, retention and motivation 
  • ​Scheme is self-financing

Contact us today...

If you’d like to find out more about Parking at Work, call us now on 01280 851113 to discuss the scheme in more detail, or email us.

Salary Exchange Cars

How Would You Like A New Car and An Easier Life?

Just imagine: stress-free driving in a brand new car that’s tax efficient, fuel-friendly, and affordable. How good would that be? The Gemelli Salary Exchange Car Scheme makes this readily achievable. Organisations can sign up to enable their staff to purchase a new car of their choice, whether it’s for just 1 employee or 1,000, and have them drive away a fully-maintained and insured vehicle for up to 3 years – along with a fully-inclusive motoring package. Operated on a salary exchange basis, it allows users to pay for their new car by exchanging a portion of their gross salary and, as such, benefit from tax and National Insurance savings. The scheme can also be extended to direct family members.

Gemelli Car Scheme – Just Fuel and Go...

Since everything is included, all you really need to remember is fuel. If companies are moving from company cars to cash allowance – this scheme can help promote this. The Gemelli Salary Exchange Car Scheme offers a new approach to salary exchange cars, and provides tax-efficient and meaningful benefits to a company and its employees. Quite simply, you can just ‘fuel and go!’

Benefits for Employers and Employees...

As you’ve come to expect from a Gemelli Salary Exchange Scheme, our Car Scheme is packed full of great opportunities and benefits:

Employer Benefits

  • Financial savings on Employer National Insurance Contributions
  • Demonstrates company’s commitment towards employees – increasing employee recruitment and motivation, and both retention and engagement
  • Enhances company’s environmental policy, ‘Green’ credentials, and corporate social responsibility
  • No minimum employee numbers required to initiate scheme
  • No financial risk or liability for the employer
  • Minimal administration – Gemelli takes care of this for you

Employee Benefits

  • Drive a new car of your choice for significantly less than before
  • Tax and N.I. savings on vehicle and running costs
  • Additional savings via fleet discounts
  • No credit checks
  • No deposit required
  • Fixed-cost, affordable monthly salary reductions
  • Option to renew/upgrade at end of lease agreement
  • Purchases also available to partners and members of employee’s immediate family

Intrigued? Contact us today...

Call us now on 01280 851113 to find out more on how this scheme can benefit both your organisation and employees, or email us.


 

Mobile Phone & Home Technology Schemes

Gemelli Launch Mobile Phone & Home Technology Schemes...

Every month, we bring you news and updates on flexible, tax-efficient ways that help employees and employers save money. And this month is no exception. Why? Because we’ve just launched our new Mobile Phone and Home Technology Schemes. They’re new schemes that let employees take advantage of state-of-the-art technology: from mobile phone devices to a comprehensive range of home technology equipment – whilst enjoying savings.

Gemelli Mobile Phone Scheme

Everyone now has a mobile or smartphone. As long as it’s for your personal use, our new scheme allows you to get your hands on the latest mobile technology of your choice and spread the cost over 24 months. It’s on a salary exchange basis so, as such, it’s free from tax and National Insurance – giving you potential savings of between 32% and 42%. It certainly beats High Street prices. Moreover, there’s an extensive range of handsets, tariff providers and packages to choose from.

Gemelli Home Technology Scheme

Our second new scheme is also operated via salary exchange over 24 months, and is an effective way for employers to help employees fund the cost of a wide range of home technology. It’s designed to help employees develop their IT skills away from the workplace by offering them access to laptops, PCs, tablets and printers. It even extends to TVs, Home Entertainment & Sound Systems, audio equipment, games consoles, cameras and iPods.

Benefits for both Employees and Employers

As you’d expect, both of these new schemes are packed full of great opportunities and benefits:

Employee Benefits

  • Access to the latest technology and accessories
  • Considerable savings vs High Street prices (up to 42%)
  • Affordable monthly pay reduction
  • No credit checks or deposit required

Employer Benefits

  • Savings made on Employer National Insurance Contributions
  • Increased employee motivation and engagement
  • Low risk, and backed up by expert support for added peace of mind
  • Easy to implement – with fully managed service
  • Can facilitate migration towards ‘Bring Your Own Device’ policy

The Gemelli Mobile Phone & Home Technology Schemes are fantastic new additions to our Employee Benefits portfolio, and provide even more opportunity for both staff and businesses to save money in a tax-efficient way.

Contact us today

Call us now on 01280 851113 to find out more on how these new schemes can benefit you, or email us.

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