If you’re looking to get an idea of whether you could receive a government grant towards the cost of your underfloor heating insulation, there are a few things you’ll need to take into account.

The first is that not all insulation grants are available for underfloor heating specifically – some may be more general home improvement grants that can be put towards a number of different types of insulation like boilers, heat pumps, solar panels and more.

Secondly, the amount of money you could receive from a grant varies depending on the scheme and your personal circumstances.

In this article, we’ll give you an overview of the main types of underfloor insulation grants available in the UK, as well as some tips on how to find out if you’re eligible.

What Is Underfloor Insulation?

Underfloor Insulation, like other types of insulation, slows the flow of heat. This keeps heat from escaping in the winter and absorbing in the summer.

In addition to thermal and acoustical benefits, insulating your home can help prevent noise transfer.

Underfloor insulation is a great way to reduce your energy bills and make your home more comfortable all year round.

There are a number of different types of underfloor insulation available on the market, including:

  • Foam boards
  • Rigid foam panels
  • Spray foam
  • Loose fill fiberglass

Each type of insulation has its own set of benefits and drawbacks, so it’s important to do your research before deciding which one is right for your home.

Related: Solid and External Wall Insulation Grants

Types of Insulation Underfloor Grants Available

There is only really one type of grant available specifically for underfloor insulation, and that’s the Energy Company Obligation (ECO).

The ECO is a government scheme designed to help low-income and vulnerable households reduce their energy bills and carbon emissions.

These grants are the same in both Scotland and Wales. However, the approval process might take place in each respective country.

If you’re looking to insulate your home with underfloor heating, you could be eligible for a free Insulation Grant through the ECO scheme.

Related: Are There Government Grants for Air Source Heat Pumps?

The Energy Company Obligation (ECO) Scheme

The Energy Company Obligation (ECO) scheme is a government-run scheme that requires energy suppliers to help low-income households improve the energy efficiency of their homes.

Under the scheme, eligible homeowners could receive funding towards the cost of insulation, boiler replacement or other energy-saving measures.

Am I Eligible for an Underfloor Insulation Grant?

To obtain an underfloor insulation grant, you must fulfill specific conditions. You must be either a homeowner or a tenant in a privately rented property.

The criteria for eligibility are determined by the tenant rather than the landlord, but you must notify your landlord before undertaking any home improvement projects, such as floor insulation or other types of insulation work.

To be eligible for a grant, at least one person in your household must have one of the listed benefits:

  • Armed Forces Independence Payment
  • Attendance Allowance
  • Carer’s Allowance
  • Child Benefit (as long as the household income does not exceed a set limit)
  • Constant Attendance Allowance
  • Disability Living Allowance
  • Pension Credit – Guarantee Credit
  • Pension Credit – Savings Credit
  • Income-related Employment and Support Allowance (ESA)
  • Income-based Jobseeker’s Allowance (JSA)
  • Income Support
  • Industrial Injuries Disablement Benefit
  • Mobility Supplement
  • Personal Independence Payment
  • Severe Disablement Allowance
  • Tax Credits (Child Tax Credits and Working Tax Credits)
  • Universal Credit

If you meet any of the above criteria you can apply for a grant. The amount of money you could receive from the grant will depend on your personal circumstances.

How to Apply for an Underfloor Insulation Grant

If you think you might be eligible for an underfloor insulation grant, the first step is to contact your energy supplier and ask about the ECO scheme.

You can find a list of participating energy suppliers on the government’s website. Once you’ve found a supplier, you’ll need to provide them with some basic information about your property and your income.

After that, it’s up to the energy company to decide whether or not you’re eligible for a grant. If you are, they’ll arrange for someone to come and assess your home to see what type of insulation would be most suitable.

Once the assessment is complete, the energy company will provide you with a quote for the work. If you’re happy to proceed, they’ll arrange for the work to be carried out and the grant will cover the cost.

Thanks to the Energy Company Obligation (ECO) Scheme, some energy providers give free insulation or grants to assist you in making your home more energy efficient.

Even if your energy company doesn’t, here’s how much you could save on your energy bills with insulation:

  • Loft insulation (270mm): between £135 and £250 a year
  • Floor insulation: between £30 and £75 a year
  • Cavity wall insulation: between £85 and £280 a year.

Related: FREE External Wall Insulation (GRANTS AVAILABLE)

What’s The Best Underfloor Insulation?

Underfloor insulation made of EPS, most often known as expanded polystyrene sheets, is one of the most popular types of underfloor insulation.

They’re made from small beads of polystyrene that are expanded and moulded into sheets. EPS is a great choice for underfloor insulation because it’s easy to install, has a high R-value and is very affordable.

Spray foam is another popular type of insulation for underfloors. It’s made from a mixture of chemicals that are sprayed onto surfaces, where they expand and harden.

Spray foam is more expensive than EPS but it’s also more effective, so it’s definitely worth considering if you’re looking for the best possible insulation for your home.


Can I get free loft insulation if I’m not on benefits?

No, you cannot get free loft insulation if you’re not on benefits. The only way to get free loft insulation is through the government’s ECO scheme, and you must be in receipt of certain benefits to be eligible.

Do pensioners qualify for underfloor heating grants?

Yes, pensioners do qualify for underfloor heating grants under the government’s Energy Company Obligation (ECO) scheme. As long as they are in receipt of a pension guarantee/savings credit, they will be eligible for a grant.

How much underfloor insulation do I need?

If you’re adding extra insulation to your flooring, make sure it’s up to local building regulations. Although your installer will usually take care of this for you, you are still responsible for following the rules.
If you live in England or Wales, the floor should have a U-value of 0.25 W/m2K or less if possible. The U-value is a measure of how rapidly heat travels through the flooring.
Depending on type, shape, and size, you will generally require at least 70mm of high-performance foam insulation or 150mm of mineral wool to achieve this standard, however, this varies by floor type, form, and size.
If you are replacing at least half of a floor then you have to insulate to these standards whether you planned to or not.

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