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Poll: Are you considering moving this year?
If you want some top tips on buying a house or moving, read our guide here.
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Travel disruptions amid Middle East conflict
Flights around the world have faced disruption after the closure of airspace due to widening conflict and in the Middle East.
The UK Foreign, Commonwealth & Development Office (FCDO) has issued travel advice to Britons who are in the region, specifically those in Bahrain, Kuwait, Qatar and the UAE.
Updated travel advice, complete with route maps, has now been published on how to depart Bahrain, Israel, Kuwait, Palestine, Qatar, Saudi Arabia and the UAE ‘if you judge it safe to do so’. The guidance includes details on flight options and road routes.
Furthermore, following a suspected drone strike on a UK base in Cyprus, new guidance for UK travellers has been issued and includes warnings of travel disruptions and advises “sensible precautions”.
This means there could be sudden airspace closures, flight cancellations or delays, and other unexpected disruptions. Travellers are strongly encouraged to sign up to FCDO travel advice email alerts, check with their airline before flying and keep an eye on both local and international news.
The FCDO has recommended against all travel to Israel, Palestine, and Iran, and also updated advice for the following countries, in addition to the aforementioned:
- Turkey
- Yemen
- Syria
- Saudi Arabia
- Oman
- Libya
- Lebanon
- Jordan
- Iraq
- Egypt
- Afghanistan
- Armenia
- Azerbajan
- Pakistan
- Turkmenistan
What are your rights if your flight is cancelled?
UK law protects passengers departing from the UK (on any airline), arriving in the UK (on a UK or EU airline), or flying into the EU on a UK airline. If your flight is cancelled under these circumstances, you can usually choose between an alternative flight or a refund. Beyond the EU or UK, you should check your rights based on your origin country’s laws.
Should I cancel my holiday now?
It depends on the destination, and what the FCDO says. For example, the FCDO is advising against all but essential travel to UAE and Qatar due to ongoing conflicts. But for other countries such as Turkey and Egypt, the restrictions are more border-specific.
If you’ve booked a package holiday to a popular hotspot and are thinking about cancelling, your first step should be to speak to your tour operator. Some may offer flexible options like rebooking for a later date, especially given the current uncertainty. It’s always best to check if your tour operator is ABTA registered as they must offer a refund or a suitable alternative when the FCDO advises against travel to a specific destination. Similarly, if you booked your trip through a travel agent then speak with them in the first instance.
For ‘DIY’ trips, where you have arranged your own flights, hotel and care hire separately, then your airline has a duty under air passenger rights rules, as explained above. However, your hotel and car hire booking are most likely something you would need to discuss with your travel insurance provider, if you wish to seek compensation because of FCDO advice not to travel there.
It’s important to note that unless the Foreign Office has issued official advice against travelling to that country, you’re unlikely to be entitled to a refund – and your travel insurance may not cover cancellation in these circumstances.
What does travel insurance cover?
Typical travel insurance includes cover for:
- Medical emergencies
- Trip cancellation due to illness, injury, or bereavement
- Lost or stolen belongings
- Delays after a certain threshold
Political unrest or military conflict is often excluded as a reason to cancel a trip, but the impact such as flight delays or the need for alternative accommodation might still be covered, depending on your policy. For example, if you’re delayed for more than a specified time (commonly 6–24 hours), some insurers may reimburse you for additional transport or accommodation.
Always keep documentation and receipts and be aware that insurers often won’t cover costs that can be reclaimed through your airline or travel provider. Crucially, if the FCDO advises against all but essential travel to a location and you go anyway, your insurance may be void. And always check the FCDO website before booking or travelling.
If you’re unsure what your policy covers or how the current situation could affect your trip, get in touch with our travel insurance experts at Howden. We’re here to help you travel with peace of mind.
Sources: BBC News, The Independent, The Sun, The Telegraph, Gov.UK.
You could also read:
- Why your home might be underinsured
- Can you be insured for ‘travel anxiety’?
- Avoid these holiday booking scams!
- Burglaries surge 48% in summer – is your home protected?
- Could you be fined for overpacking?
This is a marketing blog by Howden Insurance.
Information correct at time of writing.
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10 new driving laws for 2026
2026 is one of those years where the road rules are getting a rewrite – and if you drive for a living, every change matters. From tougher safety measures to new taxes and London charges, these updates could affect your routes, your running costs, and even your workforce.
Here’s what’s changing, so you can plan ahead and keep your van costs manageable.
1. Seatbelt penalties are getting tougher
Most van drivers wear a belt as second nature, but the penalties for not doing it are about to tighten.
Fines for not wearing a seatbelt will stay, and soon, three penalty points on your licence could be added. Drivers remain responsible for making sure younger passengers are belted correctly.
If you manage a team, it’s a good moment to refresh training and check your vehicles’ seatbelt condition.
2. Drink-drive limit to be cut
England and Wales are expected to fall in line with Scotland’s stricter limit. This means the new limit could go from 35 micrograms to 22 micrograms per 100ml of breath.
That means the safest rule becomes the simplest one: if you’re driving, don’t drink – not even “just the one”.
3. Quicker drug‑driving tests
New roadside saliva tests for suspected drug-driving are expected, meaning faster decisions, fewer loopholes, and far less tolerance for anyone who gets behind the wheel under the influence.
A big win for road safety and for employers trying to keep teams protected.
4. Mandatory eyesight tests for drivers 70+
The current system relies on self‑declarations, but that looks set to change. Under new rules, drivers aged 70 and over will need an eye test every three years. If you’re approaching that age, or have friends, family members or colleagues that are, it’s a rule to keep an eye on!
5. Congestion Charge increases – and EV perks shrink
For vans and commercial vehicles entering central London, watch out for ULEZ increases:
- Daily charge increased to £18 (from 2 Jan 2026)
- Full EV exemption is gone
- Electric vans get 50% off – but only when registered to Auto Pay
- All EVs get 25% off – again, vehicles registered to Auto Pay only
Good news if you’re already electric. Less good if your routes don’t give you a choice.
6. Fuel duty could rise from September 2026
The long-standing freeze is expected to end. The current basic rate on diesel and petrol has been 52.95 pence per litre (ppl), which includes the 5ppl cut. From September 2026 onwards, that 5p cut will be reversed and fuel duty will increase annually in lines with inflation.
For high‑mileage van drivers and fleets, this could make a noticeable dent in running costs.
7. EV “luxury tax” threshold increases
The “Expensive Car Supplement” jumps from £40,000 to £50,000 for zero‑emission vehicles in April 2026.
That means more electric vans fall outside the charge and that switching to electric becomes slightly easier to justify on the balance sheet. Around half (51%) of new electric cars will fall out of the extra charge entirely, compared to the current 37%.
8. Changes to the Motability Scheme
An important one for disability‑adapted vehicles and community operators. High-end marques (Audi, BMW, Mercedes), coupes and convertibles are no longer eligible on the Motability Scheme.
- From July 2026, vehicles with Advance Payments will incur 20% VAT
- Most new leases will include 12% insurance premium tax
- Wheelchair Accessible Vehicles remain exempt
9. Benefit in Kind (BiK) rates rising
If you provide company vans or a company car as part of someone’s job package, take note. BiK rates increase by 1% from April 2026.
- EVs rise from 3% → 4%
- Higher-emissions vehicles rise up to 37%
It’s worth factoring into your fleet planning and your staff conversations.
10. Learner drivers get fairer test bookings
And finally, a relief for anyone trying to recruit new drivers. But driving instructors may have different views.
From spring this year, third‑party test slot reselling will be banned. Instructors can’t bulk book and there will be limits on how often a test can be moved.
The goal is shorter waits and a clearer path to getting new drivers licensed. Let’s see if it works.
Stay ahead of the 2026 changes
When your van is your livelihood, or your fleet keeps your business moving, staying on top of legal changes matters.
At Howden, we’re here to help you protect your vehicles, your team, and your peace of mind. If you want insurance that works harder for your business, speak to a specialist who genuinely cares at one of our local branches.
Search Howden Insurance or call our team here.
Sources: Nationwide Vehicle, Autotrader, Yorkshire Post, Simply Business.
You could also read:
- Who’s responsible for clearing up after a storm?
- Which cars have the highest recall rates?
- The van models most likely to fail their MOT
- Don’t let winter weather stop your home renovation plans!
- The true cost of accidents abroad
This is a marketing blog by Howden.
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Client management hacks that save time and stress
Every trade business runs better when clients understand the boundaries, the process, and how decisions get made. Yet real life often feels messier – messages come through at odd hours, assumptions pile up, and a small change can turn into a whole new job. A few clever client management hacks will keep things running calmly, protect your profit, and reduce that creeping stress that builds during busy periods.
Below are practical tips you can use straight away on any project, large or small.
Use one communication channel for everything
When messages land across WhatsApp, text, email, and the occasional Facebook DM, something always gets missed. One channel keeps the project tidy.
Try this approach:
- Choose your preferred method at the start.
- Tell the client that updates will always come through that channel.
- Stick to it, even when a stray message appears somewhere else.
When the full job history sits in one thread, you save time, reduce confusion, and keep yourself covered if anything gets questioned later.
Set response times that work for you
Clients often expect an instant reply when they message, even if it’s Saturday afternoon. You can prevent this by managing expectations early.
A short line such as:
“I respond to messages between 8 and 5 on weekdays, and I’ll always get back to you within 24 hours.”
This creates breathing room and helps clients understand that you’re running a professional service, not a 24 hour hotline.
Create a template for common explanations
Tradespeople answer the same questions repeatedly. Clients ask about materials, timelines, guarantees, payment stages, and what happens if they change their mind halfway through the job.
By drafting a few useful templates, you save yourself from typing the same paragraph every week.
Examples include:
- How you handle variations.
- What your deposit covers.
- When they can expect dust, noise, or necessary pause in the work.
- What you need from them before work begins.
Templates make your replies consistent and fast, and they reduce the chance of you forgetting something on a busy day.
Use photos and videos to avoid misunderstandings
Clients make better decisions when they can see the issue. A quick video walk‑through of a problem area removes confusion and saves you multiple explanations.
It works especially well for:
- Highlighting hidden issues.
- Showing why something will take longer.
- Demonstrating why a certain option is better.
People process visuals much faster than long explanations, and this can help keep the job moving forward.
Write micro‑summaries at each milestone
A short summary every few days keeps clients informed without drowning them in detail. These updates can be as simple as:
“Today we completed X. Tomorrow we’ll start Y. No changes to cost or timeline.”
A small routine like this builds trust and stops clients from chasing you. It also creates a record that supports insurance or dispute situations if anything crops up later.
Use “the pause” when a client makes a mid‑job request
When a client asks for something extra during a job, take a moment before answering. A short pause lets you think clearly, check your schedule, and price fairly.
You might say:
“Let me take a quick look at what that involves, then I’ll give you the price and time impact.”
This simple pause stops you from agreeing automatically, which protects your margin and makes the client think about whether they genuinely want the change.
Offer structured choices instead of open questions
Asking “What would you like to do?” often leads to wandering conversations and indecision. A structured choice keeps things simple.
For example:
“We can go with Option A which fits your budget and keeps the schedule. Or Option B which looks smarter but adds a day and an extra cost.”
Clear choices speed up decisions and reduce back‑and‑forth messages.
Create a small “decision checklist” for clients
Some clients feel overwhelmed when asked to make choices, especially during larger projects. A short checklist removes friction.
You might include:
- Final colour or finish.
- Location of switches or fittings.
- Preferred materials.
- Budget flexibility.
- Anything they definitely do not want.
A checklist keeps the job flowing smoothly. It also reduces the chance of last minute changes, which often turn into expensive delays.
Put polite boundaries around freebies
Most tradespeople like to help, but free favours stack up quickly and eat into your day. A short script helps you stay friendly while protecting your time.
Try:
“I can do that for you, and I’ll add it to the extras list so you can approve it before I crack on.”
Something like this will hopefully help keep goodwill high.
Keep a “ready to send” wrap‑up message
Once a job finishes, a closing message keeps things tidy and protects your reputation.
It might include:
- A thank you to the client.
- Advice on maintenance or aftercare.
- A reminder of your guarantee period.
- An invitation to leave a review.
Wrapping up cleanly leaves the client feeling looked after, and will hopefully lead to repeat work and referrals.
Client management shapes your profit, your reputation, and your daily stress levels. When you use a few smart habits you create smoother jobs, happier customers, and far fewer headaches. Most of these hacks take seconds to apply, yet they save you hours of frustration over the course of a busy month.
At Howden, we’re here to support you whatever business you’re in, while you focus on what you do best; getting the job done.
You could also read:
- Who’s responsible for clearing up after a storm?
- Which cars have the highest recall rates?
- The van models most likely to fail their MOT
- Don’t let winter weather stop your home renovation plans!
- The true cost of accidents abroad
This is a marketing blog by Howden.
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What the Building Safety Act means for tradespeople and why your role as a duty holder really matters
The Building Safety Act has reshaped how construction and maintenance work is carried out across the UK, and tradespeople sit right at the centre of it. While the legislation can feel dense at first glance, the day‑to‑day impact is surprisingly practical. It defines new responsibilities, sets clearer expectations, and gives you a bigger role in creating safer buildings for the people who use them.
This article breaks the Act down into plain language, highlights the bits that matter most for trades, and explains why your responsibilities as a duty holder cannot be shrugged off.
What the Building Safety Act sets out to achieve
The Act tightens up how building safety risks are managed, particularly for higher‑risk buildings such as high‑rise residential blocks. One of its main aims is to make sure everyone involved in design, construction, repairs, and ongoing maintenance knows exactly what they’re responsible for. The days of ambiguous lines of responsibility are being pushed aside, replaced by clear roles and duties.
Tradespeople are now recognised as essential contributors to building safety rather than simply hands‑on workers. This shift puts you in a stronger, more accountable position.
Who the Act defines as duty holders
The legislation introduces a structured line‑up of duty holders. Each one is expected to manage safety risks, share accurate information, and work collaboratively to maintain a safe environment. These roles include:
- Clients
- Principal designers
- Principal contractors
- Contractors and designers
- Persons responsible for occupied buildings, such as the accountable person and principal accountable person
The new duty holder appointments must be made whenever a project involves more than one contractor and falls within the scope of the Building Regulations.
If you’re a tradesperson working under a principal contractor, acting as a sole contractor, or contributing specialist design input, you’re highly likely to be a duty holder in some form.
What duty holders are expected to do
Across the different duty holder roles, the expectations stay consistent. You are required to:
- Manage building safety risks by keeping an eye on hazards linked to your work and taking steps to reduce them.
- Cooperate with other duty holders, sharing information clearly and promptly so no stage of work is carried out in the dark.
- Ensure competence, both personally and across anyone you employ or supervise. This includes staying up to date with guidance, training, and safe working methods.
- Follow new regulatory requirements, particularly around documentation and compliance checks. The Act outlines expanded duties for clients, principal contractors, and principal designers, but the responsibility filters through to everyone carrying out the work.
- Provide accurate, accessible information for the building’s ongoing safety file, so future workers and building managers are not left guessing.
These expectations stay in place throughout the entire project, from planning to handover.
Why tradespeople carry such a strong responsibility
Even though clients, principal designers, and principal contractors hold headline accountability, the practical safety of a building rests heavily on the tradespeople who physically shape it. Your decisions, your workmanship, and the way you manage risk on site directly influence whether a building is safe to live or work in.
A few reasons why your role matters so much:
1. You are closest to the work
Nobody sees the real‑world challenges, shortcuts, or hidden flaws in a project better than the trades actually installing, cutting, repairing, fixing, or testing. When the Act talks about managing risks, it recognises that those who physically do the job are often best placed to identify what could go wrong.
2. Competence is now a legal expectation
Competency requirements apply to anyone carrying out design or building work. Being “good at the trade” is no longer enough on its own. You must also be capable of understanding the safety implications of your work and acting in ways that reduce risks.
3. Poor compliance can trigger serious consequences
The Act strengthens enforcement powers. That means penalties for non‑compliance are more likely and more serious. The law places responsibility on individuals as well as organisations, so it protects you far better if you can show you’ve met your duty holder responsibilities every step of the way.
4. Reputation and client trust are at stake
Tradespeople who understand the Act stand out. Clients, contractors, and housing associations increasingly want to work with firms and individuals who treat compliance as a core part of their service. Being a reliable duty holder builds trust and wins work.
As the regulator introduces reforms such as faster review routes for certain applications, the industry is shifting into a more transparent and structured way of working. [herrington…ichael.com]
This can feel like it brings extra admin at times, but it also protects your livelihood. By showing you’ve acted responsibly and professionally, you reduce the risk of blame landing unfairly on your doorstep.
A final thought
Anyone turning up on site with tools in hand now plays a visible role in safeguarding the people who will one day live, work, or sleep in that building. Your knowledge, your decisions, and your attention to detail directly influence whether a building stands up to the expectations set by the Building Safety Act.
Responsibility might feel like a heavy word, yet it also brings recognition. The Act acknowledges the expertise tradespeople bring and gives your work the central importance it deserves.
At Howden, we’re here to support you whatever business you’re in, while you focus on what you do best; getting the job done.
Sources: Herrington Carmichael, Clarion, Construction Briefing, GOV.UK, RLB, BESA
You could also read:
- Who’s responsible for clearing up after a storm?
- Which cars have the highest recall rates?
- The van models most likely to fail their MOT
- Don’t let winter weather stop your home renovation plans!
- The true cost of accidents abroad
This is a marketing blog by Howden.















