Do You Need to Be on Benefits for Loft Insulation Grants?
Many homeowners believe that only people on benefits can qualify for loft insulation grants. While benefits remain one of the main eligibility routes under the ECO4 scheme, they are not the only way to access funding. Other schemes, such as the Great British Insulation Scheme (GBIS), are specifically designed to help households that do not claim benefits, making energy efficiency upgrades more widely available.
Loft Insulation Under ECO4 (For Benefit Claimants)
The ECO4 scheme is primarily aimed at low-income households who are in receipt of qualifying benefits. It offers the most generous form of support, often covering the full cost of loft insulation. This makes it an attractive option for those who qualify, as it can provide significant energy savings without any upfront expense. However, ECO4 is not the only route available.
Loft Insulation If You’re Not on Benefits (GBIS Route)
For households who are not on benefits, the GBIS (Great British Insulation Scheme) provides an alternative pathway. GBIS is targeted at homes with Energy Performance Certificate (EPC) ratings between D and G, and households in Council Tax bands A to D in England (or A to E in Scotland and Wales). Even if you do not receive any benefits, you may still qualify. Depending on your property, GBIS grants can either cover the full cost or contribute towards the installation.
How Much Could You Save with Loft Insulation?
According to the Energy Saving Trust (2025), loft insulation can save homeowners between £300 and £400 per year on energy bills. The typical cost of installation ranges from £400 to £600, but grant funding can reduce or even eliminate this expense. For those who pay privately, loft insulation usually pays for itself within just two to three years, making it one of the most cost-effective home energy upgrades.
Other Ways to Access Loft Insulation Support Without Benefits
Even if you do not qualify for ECO4 or GBIS, there are still several ways to get support:
- Local council schemes: Many councils operate their own energy efficiency programmes, sometimes including loft insulation.
- Energy supplier funding: Certain suppliers still provide insulation support outside of government schemes.
- Private funding: Paying for loft insulation yourself can still offer excellent value, as the long-term savings on energy bills outweigh the upfront cost.
How to Check if You Qualify
The simplest way to find out if you are eligible for funding is to use a free eligibility check tool, like the one provided on our website. You will usually need to provide a few details, such as your postcode, property type, EPC rating (if known), and Council Tax band. With this information, we can confirm whether you qualify for ECO4, GBIS, or another funding route.
Why Choose Evereco Energy?
At Evereco Energy, we are accredited installers under both ECO4 and GBIS, offering homeowners trusted and professional services across the United Kingdom. Our team provides end-to-end support, from the initial property assessment and grant application to the full professional installation.
Whether or not you receive benefits, you can still benefit from loft insulation. Between GBIS, local council schemes, and self-funding, there are multiple ways to make your home warmer and more energy efficient. With government funding still available, now is the perfect time to take action.
Why Loft Insulation Matters in 2025
- Rising energy bills in the UK (cite Ofgem / Energy Saving Trust).
- Net Zero 2050 and government climate commitments.
- Loft insulation as the quickest and cheapest energy efficiency upgrade.
Types of Loft Insulation
Explain the different materials with pros & cons:
- Mineral Wool (Glass or Rock Wool) – affordable, widely used, non-combustible.
- Sheep Wool Insulation – natural, breathable, ideal for traditional homes.
- Multifoil Insulation – thin, reflective, great for saving space.
- Rigid Insulation Boards (PIR/PUR) – higher thermal performance, better for limited loft spaces.
Step-by-Step Loft Insulation Process
Give homeowners a clear idea of what happens:
How the process works
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Survey & EPC check
We confirm property details, inspect the loft, and verify your EPC so we can advise the best funding route.
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Grant application & eligibility confirmation
We handle the paperwork under ECO4 or GBIS, confirm your eligibility, and secure funding where available.
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Installation day
A qualified team installs or tops up loft insulation. Most homes are completed in one day with minimal disruption.
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Post-installation savings
Enjoy a warmer home and lower bills. Typical savings are £300 to £400 per year depending on property and usage.
Environmental Benefits
- Reduced carbon footprint (mention tonnes of CO₂ saved per year).
- Helps with damp and condensation if installed correctly.
- Makes homes warmer in winter and cooler in summer.
| Option | Who Qualifies | Funding | Typical Savings/year |
|---|---|---|---|
| ECO4 | On qualifying benefits | Up to 100% free | £300–£400 |
| GBIS | Not on benefits, Council Tax Band A–D (Eng) / A–E (Sco & Wal), EPC D–G | Partial or full funding (property-dependent) | £200–£350 |
| Self-funded | Anyone | £400–£600 upfront | £300–£400 |
ECO4 – primarily for low-income households receiving certain benefits.
GBIS (Great British Insulation Scheme) – for households with low EPC ratings, including those not on benefits, provided they meet council tax banding rules.
Local councils and energy suppliers may also offer top-up funding or regional schemes, so it’s worth checking both national and local options.
Eligibility check – Provide details such as your postcode, Council Tax band, and EPC rating (if known).
Property survey – A qualified installer will assess your home to confirm suitability.
Grant application – Your installer applies for GBIS funding on your behalf.
Installation – Once approved, professional installers carry out the loft insulation.
we manage the whole process for you — from eligibility to installation.
Material Brands
