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I call it “Can you just” different name but still 10%
My estimates were pretty spot on for a small scale internal refit of £32k some things were under but that surplus rolled onto the next job which was a bit over, it was the mission creep of widening doorways/more sockets/switches/lighting beyond initial plans that blew the budget.
Was told it would easily be £50k+ if I wasn’t getting my hands dirty which surprised me as before getting in to this i would not have believed a bathroom/full interior refinish/internally insulate/skirting/new electrics, rads and pipework/secondary glazing of a 2 bed flat would cost the same as a small extension??
Also I’d suggest that it’s quote + 10% in my experience. Even if the quote is spot on there will be other stuff you didn’t account for which needs doing or you think ‘may as well do that’