VT Vat treatment of payments

When using VT Transaction + for a VAT job Ive noticed that when you post a payment directly to the expense ledger (no invoice provided but no VAT either) the payment shows up in the VAT report as a zero rated item.  I know I can go into the account properties and change it to "entries posted to this account are normally outside the scope of VAT" but Im wondering if there is any other way of doing it?

For things like motor insurance we wouldnt put an invoice on and would just post the payment to motor expenses but this would then show on the VAT return.  If I change the VAT preference for motor expenses then any invoice I put on with VAT comes up with a warning saying entries to this account is usually outside the scope of VAT.  I appreciate I could set up an Insurance - motor account but ideally I dont want to have to set up a new account on every client file.

I could set up a custom template I suppose but not sure how any updates would affect this?

Any thoughts or comments on the above situation welcomed thanks.