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Protecting your money · UK trades

Should tradespeople show a line-item breakdown of labor and materials?

Show labour and materials as two clear totals when it builds trust, or when VAT and customer-supplied kit make a lump confusing. Do not print every fitting if they will shop each line and still want you to stand behind the job.

A lump sum is fine when the scope is tight. A split is better when they asked “what’s materials vs your time?” on WhatsApp.

You send a one-line £6,200. They think you are hiding. You send a 40-line merchant dump. They cross out the silicone and ask why you are 80p over Screwfix. Both quotes can lose. The job is to show enough, not everything.

A working rule

ShowWhen
One job totalTight scope, repeatable install, they did not ask
Labour + materials two linesMost bathrooms, kitchens, decorating
Materials list (grouped)They supply some kit, or VAT is in play
Every SKUAlmost never — that is a shopping list, not a quote

Labour in UK English. Your hourly rate and markup stay in your workings. The customer buys a job, not a lecture on overheads.

Worked layout

LineAmount
Labour — strip, first and second fix, make good (as scope)£3,200
Materials — suite, wastes, vinyl, sundries (incl. wastage)£2,400
Total (no VAT)£5,600

If they want to buy the pan themselves, you can drop that materials line and keep labour. If they then bring a Facebook pan with no fittings, that is extra labour — not a row they already crossed out.

What people miss

Itemising so they can reverse-engineer your rate. Hours × rate on the page invites “my cousin does it for less.” Keep hours in your notebook.

Hiding materials in labour to look cheaper per hour. Then they supply the tiles and expect the same total. Split it.

VAT surprises. If you are registered, say plus VAT on each total or on the grand total. If you are not, say the figure is no VAT.

Letting them pick lines off a quote you still warrant. If they supply it, they own the delay and the spec. Write that.

Related guides

FAQ

Will a lump sum look like I am hiding something?
Sometimes. Two lines — labour and materials — usually kills that without handing them a shopping list.
Should I show my hourly rate?
You do not have to. Many quotes never do. The rate is for you.
What if they insist on every merchant line?
You can. Then the quote is cost-plus. Your markup still sits in the materials total, and extras are still extras.
Labour or labor?
Labour on the quote. The page URL says labor because that is the slug. Customers in the UK read labour.

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WhatsApp

0:24

Alright Pencil, need a quote for Dave on High Street. Full repaint of the hall, stairs, and landing. Call it £220 for materials, 3 days labour at £200 a day, plus VAT. Address is 14 High Street, TN11 8LX.

PDFQuote_Dave_Decorating.pdfPDF

Quote for Dave Smith, TN11 8LX

Hall, stairs and landing repainting£600.00

Materials (paint, primer, protection)£220.00

Total: £820+VAT (£984)

Dave just called, he wants the 4 internal doors glossed as well. Add £120 labour for those and set the start date for next Thursday the 8th.
PDFQuote_Dave_Decorating_v2.pdfUpdated · PDF

Quote for Dave Smith, TN11 8LX

Hall, stairs and landing repainting£600.00

Materials (paint, primer, protection)£220.00

Gloss 4 internal doors£120.00

Total: £940+VAT (£1,128)

Start date: Thursday, 8th October

Preview of a UK decorator PDF quote generated with Pencil