Spence Insurance are based in the Scotland's Central Belt. Specialists in commercial insurance.
The Spence family have been in the business for over 30 years and have been trading in the Bathgate premises for over 15 years as Spence Insurance. They became members of Brokerbility in 2015 and take pride in delivering insurance solutions to their clients.
Spence Insurance Services, 2 Old Well Court, Bathgate EH48 2TQ
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The private rented sector is entering a period of significant change. As the Renters’ Rights Act moves from legislation into day-to-day application, property professionals must adapt to a more structured and transparent operating environment. These reforms shape how homes are let, how disputes are resolved and how risk is managed, making a clear understanding of the Act essential for operating effectively in a market increasingly defined by tenant security and professional accountability.
For businesses, taxable benefits are a key consideration at the end of the tax year, particularly for employers. Benefits provided to employees may be subject to income tax and National Insurance contributions. Employers should ensure that all benefits are accurately reported and valued, typically via payroll benefits, to remain compliant with HMRCs new requirements.
Electric vehicles (EVs) have become a familiar sight on roads nationwide. Their growth reflects a mix of customer demand and government policy aimed at reducing emissions and transitioning away from petrol and diesel. Recent figures show that more than one in five new cars registered in 2025 were battery electric, giving EVs a market share of 24%. As this shift gathers pace, what does it mean for the organisations that must support, manage or insure the UK’s expanding electric fleet?
