What does Insulation cost and how much can you save

What is the cost of insulation?

The exact savings offered by insulation are dependent on a large range of factors, including:

  • cost and quality of installation
  • cost and quality of materials
  • current level of insulation
  • your home’s general energy efficiency
  • how much you currently pay for energy

There are many cost benefits to having insulation installed in your property. The level of financial benefit that comes from insulation can vary depending on a number of factors. Some of the associated factors include the age of your property, what type of walls you have and the type of property you own. Having insulation installed could cut your energy bills by around £250 per year. Around £140 worth of energy could be saved with cavity wall insulation and £150 by installing loft insulation.

Loft insulation costs around £300 for installation and will pay for itself in two years with the savings that you make.  The recommended level of loft insulation is 270mm which is a lot, so you should first check whether you have any insulation currently installed in your loft. If you do have insulation in your loft but it is not up to the recommended 270mm, you could make further savings by topping up the thickness of the insulation for a very small cost. If your loft is being used as a living space then you may be able to have your roof insulated instead. Some installers still offer free or discounted insulation to those who meet certain criteria.

The figures below collected from the Energy Saving Trust website gives you a rough idea of how much you can expect to save. The cost of DIY installations is, of course, lower.


Insulation Type

Cavity wall (270mm)
Solid wall internal
Solid wall external
Floor (timber floor)

Approx Cost


Approx DIY Cost


Approx Annual Saving

Up to £140
Up to £180

Approx Payback Period

Under 4 years
25 years plus
40 years plus
2 years plus
2 years (DIY)/13 years

*These estimates are based on a gas-heated, 3-bedroom semi detached home.

(Source: Energy Saving Trust website: http://www.energysavingtrust.org.uk/Insulation)

There are therefore substantial financial rewards offered by insulating your property, even excluding the potential savings offered by government schemes such as the Green Deal and the Scottish Universal Home Insulation Scheme.


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Insulation Additional Costs

If you choose to insulate the floor of your loft (instead of its ceiling), the temperature in the loft will decrease dramatically. A consequence of this is that water tanks and pipes which are placed in the loft will be susceptible to freezing. It will therefore be necessary to insulate these, which will add to the total installation cost.

If your home is affected by damp and you wish to install insulation, it is necessary to eradicate the damp before starting work. This may involve a substantial extra cost if you need to hire a contractor to do this.

Green Deal for Insulation

–This Scheme has now been CLOSED by Government —

In England and Wales it is possible to save money on installing energy saving products such as insulation, heating, draught-proofing and double glazing in your home or business property through the Green Deal, which replaced the government’s Carbon Emissions Reduction Target (CERT) in late 2012. The Green Deal is a new government scheme which allows you to make energy-saving improvements to your property without the up-front expense.

In order to get the work done it is first necessary to hire a certified Green Deal assessor (for which you may need to pay) who will advise on the potential for making energy saving improvements, give you a quote for the work that can be done and establish a payment plan with you.

If you decide to go ahead with the work, a certified Green Deal installer will install the improvements, and the money will then be paid off through the money saved on energy bills.

The Green Deal will be attached not to you but to your property, so if you decide to move, it will pass onto the new owner, who will receive lower energy bills but also be responsible for repayments.

For more information on the Green Deal, see Gov.uk, as well as the Department for Energy and Climate Change(DECC) website, and if you wish to contact us we can arrange for a Green Deal assessor to contact you to discuss your requirements.

It is also possible for households to claim cash back of up to 50% of the total cost of the installation of insulation. Those wishing to install cavity wall insulation, for example, could receive up to £250, while they could receive a grant of £650 toward the purchase of solid wall insulation. The money allotted to this scheme is finite, and the cash back is offered on a first-come, first-served basis. It is therefore advisable to act quickly. See the DECC’s Green Deal cash back website for more information.

Read more about The Green Deal here.

Scottish Universal Home Insulation Scheme

If you live in Scotland, you may be eligible for the Universal Home Insulation Scheme (UHIS). The UHIS, which is delivered by local authorities, offers free loft and cavity wall insulations.

To find out more about the Universal Home Insulation Scheme, contact your local authority. A list of Scottish local authorities offering the UHIS is available here: http://www.scotland.gov.uk/Topics/Built-Environment/Housing/warmhomes/uhis/areas

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