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Insulation Grants For Pensioners

Are pensioners eligible for insulation grants?

Many pensioners are struggling with the cost of living and are often unaware of the grants and support available and how they could qualify for the Energy Company Obligation (ECO) Scheme. This entitles them to free insulation and other heating and energy upgrades. 

Understanding insulation grants

Insulation grants are part of a broader initiative by the UK government to promote energy efficiency, help people avoid fuel poverty and reduce the country’s carbon footprint.  

This initiative is known as the ECO scheme and its now in its fourth phase known as ECO4. Under ECO4, grants are available for all aspects of insulation, heating upgrades such as boiler replacement and electric storage heaters and energy generation through solar panels. 

The grants cover the cost of installing insulation and other upgrade in homes, making them warmer in the winter and cooler in the summer, all while cutting down on energy use. 

Do pensioners qualify for an insulation grant? 

Pensioners hold a special place within the eligibility criteria for insulation grants. Those over the age of 70 are classified as a “Priority Group,” receiving priority in most UK postcodes.  

Pensioners that claim either Pension Credit (Guarantee Element or Savings Credit) are also eligible but even if you are of pensionable age and don’t claim benefits, you can still qualify for grants through the ‘health’, ‘vulnerable’ or ‘income-based’ criteria. 

Warma UK is here to guide you through the whole process from application to installation of all upgrades, call us on 0330 44600 065 of fill in a quick and easy questionnaire to see if you qualify. 

See if you're eligible for free insulation grants

See if you're eligible for free insulation grants​

Which insulation grants are accessible for pensioners?

Pensioners in the UK can benefit from several types of insulation grants, primarily through the Energy Company Obligation (ECO) scheme, including the ECO4 and the complementary ECO+ scheme also known as the Great Britain Insulation Scheme.  

Here’s what you can get help with: 

  • Cavity Wall Insulation 
  • Loft Insulation 
  • Internal Wall Insulation 
  • Room in Roof Insulation 
  • Underfloor Insulation 
  • Spray Foam Insulation 

Also, some energy companies have special offers for insulating your home if it’s not that energy-efficient or if you’re in an area with lower council tax.  

How much could you save with insulation fitted in your home? 

Adding insulation to your home can really help lower your energy bills. According to the Energy Saving Trust, a typical three-bedroom semi-detached house in the UK could see savings up to £310 a year. Here’s a quick look at potential savings with different types of insulation: 

  • Cavity Wall Insulation: You could save about £140 on your bills each year. Even better, it might pay for itself in less than 4 years. 
  • Solid Wall Insulation: internal insulation could save you around £460 a year, and external insulation up to £490 a year.  
  • Loft Insulation: This could cut about £180 from your annual energy bills. Give it a couple of years, and the insulation pays for itself. 
  • Underfloor Insulation (for timber floors): This could mean saving about £60 every year.  

These numbers are based on homes heated with gas, so your savings might vary. But all in all, getting your home insulated is a pretty smart move for your wallet. 

How will pensioners benefit from the ECO4 Scheme? 

The ECO4 scheme helps pensioners get different kinds of insulation, like for walls, lofts, and rooms, usually for free.  

This scheme is all about making homes warmer and more energy-efficient, cutting down on energy bills, and reducing your carbon footprint. It’s different from the Great British Insulation Scheme because it focuses on helping those not already getting government benefits. If you’re eligible, you could get help making your home warmer and save money on heating. 

Under the ECO4 scheme, there are a few groups you might fit into, like the Help to Heat Group, the Social Housing Group, or the ECO Flex Group, each offering different kinds of support for insulation upgrades. 

Help to Heat Group: 

  • Qualifying Benefits: Individuals receiving specific state benefits like Pension Credit, Universal Credit, or Employment and Support Allowance. 
  • Housing Efficiency: Homes with an Energy Performance Certificate (EPC) rating of E, F, or G may qualify for insulation grants without additional income criteria. 

Social Housing Group: 

  • Property Criteria: Social housing properties with an EPC rating of E, F, or G are eligible for insulation grants. 

ECO Flex Group: 

  • Flexible Eligibility: Local authorities can identify and propose households for insulation grants based on specific criteria such as fuel poverty or low-income vulnerability. 

 As you can see, there is lots of funds and help out there but we understand it can be a little confusing. That’s where Warma UK can help and as well as securing your grant, we install it too, giving you a seamless process from end to end. 

See if you're eligible for free insulation grants

See if you're eligible for free insulation grants​

The Great Britain insulation scheme for pensioners 

The Great British Insulation Scheme is here to help make your home warmer without costing a fortune. If you’re a homeowner, landlord, or tenant in England, Scotland, and Wales, and especially if you’re a pensioner on benefits like Pension Credit or if your income isn’t very high, this scheme could be for you. 

What you can get is pretty broad – from cavity wall insulation, loft insulation, to adding solid, pitched, or flat roof insulation, and even getting underfloor insulation. They figure out what your place needs through an assessment and then it’s up to you if you go ahead with it. 

Now, this scheme isn’t the same as the ECO4 scheme. It’s actually aimed at folks who might not be getting any government benefits. 

There are two main groups within this scheme that might be able to get these upgrades: 

Low-Income Group: 

Qualifying Benefits: Individuals must receive certain benefits like Pension Credit, Universal Credit, or Employment and Support Allowance. 

Housing Efficiency: Residents must live in the least efficient housing with an Energy Performance Certificate (EPC) rating of D to G. 

General Group: 

Property Criteria: 

Homes must be in Council Tax bands A to D in England and A to E in Scotland and Wales. 

Properties must have an EPC rating of D to G. 


Homeowners, landlords, and tenants are eligible. 

Permission from the landlord is required for rented properties. 

Both groups may receive free or reduced-cost insulation measures such as cavity wall, loft, solid wall, pitched roof, flat roof, and underfloor insulation. The scheme aims to help around 300,000 people save up to £300 a year on energy bills. 

Why apply for insulation grants through Warma UK? 

Warma UK stands ready to guide pensioners through the process of securing insulation grants, ensuring you can make your home more energy-efficient and comfortable without breaking the bank. With expert advice and support, navigating the array of grants available becomes a hassle-free experience, leading to a warmer home and reduced energy costs. 

What’s more, you may also be eligible for further upgrades like a new heating system or solar panels to further reduce your bills and make your home more comfortable. 

Whether you’re interested in the Great British Insulation Scheme or the ECO4 scheme, understanding the eligibility criteria and benefits of these grants can significantly impact your home’s energy efficiency and your wallet.  

Take the first step towards a cosier, more economical home today with the help of these generous grants and let Warma guide you through the process. 

See if you're eligible for free insulation grants​

See if you're eligible for free insulation grants

Athira Harish