How to check for gaps in your national insurance

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When filing my tax return recently I was talking to a friend about national insurance. Then I started wondering how you would know if you had gaps in your national insurance. Anyway, it turns out it is really simple to check for gaps in your national insurance so today I’m going to talk you through the process.

How to check for gaps in your national insurance

First you head on over to the relevant part of the Gov.uk website. Here you can see what you’ve paid, up to the start of the current tax year. Any national insurance credits that you have received. If you have any gaps in your national insurance and if you can pay to fill gaps in your national insurance. This varies from year to year so I am going to show you an example of what you can expect to see.

You’ll need your Government Gateway ID to sign in. If you don’t have one yet you can set one up but you’ll need to wait for something to come through the post. If you need to do this then bookmark the website as a reminder to go back and check in a week or two.

Once you’re signed in you’ll see this screen:

Gaps in your national insurance - check your national insurance contributions

You’ll then be sent an access code to your mobile. Once you’re signed in you can check for gaps in your national insurance or print off proof of your NI number. You’ll be able to see all of the years that they have data for. Here is an example of what a full year will display like:

Gaps in your national insurance - What a full year looks like

If you have a year where you have not completed the payments you’ll be able to open up a dropdown to see what you need to pay. The amounts differ, as you can see from this example. This depends on your NI status for the previous tax year, if paying class 2, or tax years, if paying class 3:

Gaps in your national insurance - check your national insurance contributions

What to do if you have gaps in your national insurance?

Typically you can make up gaps in your national insurance from the past 6 years, based on current rates. You may be able to make up gaps in your national insurance from prior to this. You’ll want to contact HMRC to discuss this. You can usually pay gaps in a variety of ways. Also you can learn more about these methods on the Government website I linked to above.

Personally I will be making up the gaps in the two years during this tax year. I need almost £1,000. I’m going to set myself a savings goal in January 2018 to get this paid before April 2018. I want to maximise the years and this will boost me up two more. This will then put me at 13/30 required years for full state pension. While my state pension won’t be my only income I don’t want to miss out for such a small amount.

If you’re looking to make some extra money online then be sure to check out my post of great ways to make and save money.

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Find out how to fix gaps in your national insurance and protect your state pension

2 Responses

  1. Emma T January 11, 2020 / 7:17 am

    Last year i paid for a gap from 1998! It only appeared in my tax return voluntary payments section 2 years ago, but i only looked into it last year. Can’t understand how it happened, as I’ve always been paid through PAYE but evidently my first employer missed something out when doing my pay for my first job.

    • katykicker January 14, 2020 / 4:36 pm

      Oh wow, that is some time ago isn’t it. How bad that they messed up too!

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