If you run a business with vehicles on the road, you'll already know that 2025 and 2026 have not been kind to the bottom line. The increase in employer National Insurance Contributions (NICs) from 13.8% to 15%, combined with a simultaneous drop in the earnings threshold from £9,100 to just £5,000 per year, has added thousands of pounds in payroll costs for businesses of every size. A company with just ten employees on average salaries can now expect to pay over £5,000 more in NI annually – money that simply has to come from somewhere.