Yes, builders in the UK should have insurance coverage. 

Yes, the UK has strict regulations and standards for building work. These regulations include Building Regulations and Health and Safety requirements. Building Regulations cover areas such as structural safety, energy efficiency, fire safety, and accessibility. It’s essential to ensure that your builder is aware of and adheres to these regulations. In some cases, you may need planning permission for certain types of construction, so it’s advisable to consult with your local planning authority and potentially an architect or surveyor for guidance on these requirements. Building work must comply with these regulations to ensure safety and quality.

To obtain an accurate estimate, it’s crucial to provide builders with detailed project plans and specifications. You may want to work with an architect or a surveyor to create comprehensive drawings and plans. Invite multiple builders to submit quotes, and be clear about your expectations and preferences. A good builder will consider these details when providing an estimate. However, keep in mind that unforeseen issues can arise during construction, so be prepared for potential cost adjustments.