Thank you for your query.
You asked whether a company car or medical insurance counts as income.
I am afraid it does not count as income. The Home Office looks at a gross income.
The only insurance that they take into account is insurance payments and medical insurance does not count.
The rules under Appendix FM is clear, you must have meet the financial requirement and if you do not, the Home Office will refuse it.
As you are a company director, the Home Office expects more documents and the financial documents must match your CT600.
Please look at the following guidance at page 57.
Please do not forget to rate my answer.
I am afraid expenses do not count as income. You have to show gross income and not net income. When I say insurance money you got IN like personal injury money. You need to read the guidance above and it fully tells you how you can satisfy the financial requirement.
I would be grateful if you would kindly rate my answers.
I am afraid your question raises complex issues which is not suitable for this forum as your case needs to be fully analysed . I strongly suggest that you see a qualified advisor in immigration law.
I would be grateful if you would now rate my answer.