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Thanks, it is indeed a price for supplying all materials and disposing of old ones etc.
After discussing today it does seem there's room for improvement but a discussion with my partner has concluded we are just going to leave it for now. The existing bathroom works fine and the improvement that a refurbishment would bring seems disproportionate to the cost, even if that cost is reduced from where the quotes are at.
I'm predicting now that if I haven't managed to move house in the interim, I'll be back here talking about doing the bathroom after all in 6-9 months :)
I don't have a breakdown but can ask for more information as the person organising the quote is back in tomorrow to service the boiler. That said, the request was a ballpark quote to see if I could afford it and the answer is currently "no" and a requirement to take 50% off the cost in order to proceed.
I think the cost is driven by an awkward layout, waste connections that can't be easily moved, no opportunities to take down walls etc (tenement flat).
Edit: this design from 5 months ago, that's how long it's taken to get two quotes. £13k and £14k. (The 10k is a ballpark for refurbishing within changing the layout)