My Builder Won't Give a Written Quote - Is That a Red Flag?

If your builder is dodging putting a price in writing, you're right to be worried. That's not normal. A professional builder should always - always - provide a written quote before any work starts.

Let's talk about why this matters, what they might be playing at, and what you should do about it.

When the written quote does arrive, put a payment schedule beside it. This builds one from the total, so the money is in writing as well as the price.

Why a verbal quote isn't good enough

"He said he'd do it for about twelve grand."

The problem with that sentence is not that it counts for nothing in law. It is that you cannot prove it.

Section 50 of the Consumer Rights Act 2015 says every contract to supply a service is treated as including, as a term of the contract, anything said or written to the consumer by or on behalf of the trader about the trader or the service, if the consumer took it into account when deciding to enter into the contract. A spoken price is caught by that. So is "it'll be done by Easter" and "that includes the plastering".

Two more sections fill the gaps. If no price was fixed and nothing under section 50 fixes one either, section 51 treats the contract as including a term that you must pay a reasonable price for the service and no more. If no time was fixed, section 52 requires the trader to perform within a reasonable time. What counts as reasonable is a question of fact in each case.

So a verbal quote is not worthless. It is unprovable. When the bill lands £4,000 higher, the argument stops being about what the law says and starts being about whose account of a conversation a court believes. "About" is doing enormous work in that sentence, and you are the one who has to establish what it meant.

And guess who's done this before? Not you.

The builder who came to your house: your 14 days

There is a second protection that almost nobody mentions, and it applies to most domestic building work.

A contract agreed with the trader and you both physically present somewhere that is not the trader's business premises is an off-premises contract, under regulation 5 of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. A builder standing in your kitchen while you say yes is the textbook case.

That does three things:

• Regulation 10 requires the trader, before you are bound, to give you the information listed in Schedule 2 in a clear and comprehensible manner, and a cancellation form, on paper or, if you agree, another durable medium. The total price is part of that information. This, not the Consumer Rights Act, is where the duty to put the price in front of you actually lives.
• Regulations 29 and 30(2) give you 14 days from the day the contract is entered into to cancel a service contract, without giving a reason.
• Regulation 31(3) is the one that matters when they skip the paperwork. If the trader never gives you the required information about the right to cancel, the cancellation period ends 12 months after it would otherwise have ended. If they give it late but within that 12 months, regulation 31(2) gives you 14 days from when you receive it.

There are conditions on what you owe if you asked the builder to start inside the cancellation period, so this is not a free undo on work already done. But a builder who took a verbal yes in your living room and never gave you anything on paper has probably left your cancellation window open a great deal longer than they think.

Why some builders avoid written quotes

There are a few reasons a builder might resist putting it in writing. Some are innocent. Most aren't.

They're too busy

Some genuinely good builders are terrible at admin. They're brilliant with a trowel but rubbish with a keyboard. They mean to send the quote. They just never get round to it.

That's understandable - but it's not acceptable. If they can't manage the basics of running a business, how will they manage your project? A builder who can't send an email is a builder who'll struggle with timelines and budgets too.

They want flexibility to increase the price

This is the cynical reason, and it's common. Without a written scope, the builder can redefine what's "included" as they go. Suddenly the plastering was never part of the deal. The skip hire was always going to be extra. The second coat of paint? That'll be another £800.

A written quote pins them down. That's exactly why they don't want to write one.

They're not confident in their pricing

Some builders - particularly those who work on day rates or "as we go" pricing - genuinely don't know how to price a fixed job. They've never had to calculate materials, labour, and margin in advance. So they avoid the exercise entirely.

That might not be malicious. But it means you're hiring someone who can't budget. And if they can't budget their side, your side will suffer too.

What a proper written quote should contain

A written quote isn't just a number on a letterhead. It's a document that protects both of you. Here's what should be in it.

An itemised breakdown. Not "extension: £45,000." You need costs split by trade - groundworks, brickwork, carpentry, electrics, plumbing, roofing, plastering, decoration. You can't judge whether a price is fair if you can't see where the money's going.

A clear scope of work. What's included. What's excluded. Is it supply-and-fit or fit-only for the kitchen? Does "decoration" mean primer or two coats of paint? Does the price include scaffolding and skip hire?

Payment terms. How much upfront (10–15% is normal - anything over 25% is a red flag). When stage payments are due. When the final balance is payable. Never pay the final balance before the job's complete.

A timeline. Start date. Estimated completion. Key milestones. This doesn't need to be a Gantt chart - just enough to hold them accountable.

What happens if things change. How are variations (extra work or changes to the plan) priced and agreed? A good quote will say something like "any additional work will be agreed in writing before it's carried out."

For the full checklist, read our guide on what a builder's quote should include. It covers every section you should expect to see.

The difference between a quote, an estimate, and a price

These words get used interchangeably but they mean different things.

A quote is a fixed price. The builder is saying: "This work will cost £X." If they've quoted £42,000, they can't invoice you for £48,000 without agreeing additional work in writing first.

An estimate is a rough guide. "I reckon it'll be around £40,000–£45,000." There's no commitment. The final price could be higher. Or lower. (It's never lower.)

A price is usually somewhere in between - firmer than an estimate but sometimes less detailed than a formal quote.

What you want is a quote. Fixed. Written. Itemised. With a clear scope. If the builder says "I'll send you an estimate," push back and ask for a quote. The language matters.

Red flags to watch for

Beyond refusing a written quote entirely, here are signs the builder is playing games:

"I'll work it out as we go." Translation: I don't know how much this will cost and I'm transferring that risk to you. This is the day-rate trap. It benefits the builder, not you. For any job over £5,000, you need a fixed price.

"Don't worry, we'll sort it." Worry. This means they have no intention of defining the scope. When something's "not included," you'll have no written agreement to challenge them with.

"I don't do paperwork." Then they don't do your job. There's nothing charming about a tradesperson who can't write a quote. It's 2026. Even a handwritten list with prices next to each item would be better than nothing.

"The price might change depending on what we find." This is sometimes legitimate - renovation work can genuinely throw up surprises. But it should be handled with a fixed price for the known work, plus a contingency allowance or provisional sum for unknowns. Not an open-ended verbal agreement.

What to do right now

If your builder won't give you a written quote, here's your plan.

Ask them directly. Call - don't text. Say: "Before we go any further, I need the full price in writing with a breakdown of what's included. Can you send that over by Friday?" Be polite but firm. A good builder will respect this.

Give them a deadline. If they say they'll send it and don't, that tells you everything. Chase once. If it still doesn't come, move on. You're not being difficult. You're being sensible.

Get other quotes. You should have at least three quotes anyway. If builder A won't write it down and builders B and C will, the decision makes itself. Read our guide on how many quotes you should get for an extension for the full reasoning.

Don't pay a deposit without a written agreement. This is the golden rule. If someone asks for money before you've got a documented scope and price, say no. A builder asking for a large deposit upfront without a written contract is one of the biggest red flags in the industry.

Get a baseline figure first. If you get a cost estimate from MyBuildAlly before you approach builders, you'll know what ballpark to expect. That way, when a builder gives you a verbal "about fifteen grand," you'll know instantly whether that's reasonable or whether they're making it up as they go.

Protect yourself long-term

A written quote isn't just about price. It's about accountability. If the builder goes quiet mid-job, if the work isn't finished, if the quality is poor - a written agreement is the foundation of any complaint, any insurance claim, or any legal action.

Without it, you've got nothing.

The best builders - the ones who do this for a living and take pride in their work - will send you a detailed, professional quote without being asked. They know it protects them too. A builder who resists putting it in writing is either disorganised or dishonest. Neither is someone you want on your property for six weeks.

Trust your instincts here. If it feels unprofessional, it is.

Ready to compare your builder's quote against fair-market benchmarks? Create a free MyBuildAlly account and we'll flag anything that looks off - missing scope, vague line items, or pricing that doesn't stack up.