Funding Available from GOV.UK

Insulation Grants for Disabled People UK 2024

£1000s in Free Grants to Insulate Your Home

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Up to £40,000 in Funding Available from GOV.UK

How do the grants work?

Free grant funding is available to eligible households for a range of home insulation measures
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Up to £40,000 in Funding Available from GOV.UK

If you have a disability and are claiming an income-related benefit you could be eligible for an insulation grant through the government’s ECO scheme. The scheme was introduced to help low-income households (earning less than £31,000) access affordable methods of heating that are energy efficient and will lower heating bills as well as the home’s carbon footprint.

Insulation grants are available to those who have a disability and are receiving a qualifying benefit whether they own their home or are a privately renting tenant. So, if you or another person in your household is claiming an income benefit, or your home is low-income, there is a strong chance that you could qualify for a free insulation grant. This can make a big difference to you and your home, especially if your home feels abnormally cold or you are struggling with heating costs.

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How does the ECO4 scheme work for insulation grants for disabled people?

The scheme is a useful way to provide insulation grants for disabled people and other homeowners in need of better heating methods and insulation. It is separate from a Disabled Facilities Grant which is intended to cover the cost of adaptations — to install ramps, widen doors, provide a downstairs bedroom, install heating or lighting controls etc — required for disabled people or someone with a medical condition to remain in a property.

The Energy Company Obligation (ECO) scheme puts the responsibility on the UK’s energy suppliers including British Gas, E.ON, EDF, Npower, Scottish Power, SSE installing high-quality insulation that will help all eligible households reduce their energy demand and keep their energy bills in check.

This is all part of a nationwide effort to lower carbon emissions in households to help meet the government’s targets for greenhouse gases and eventually net zero carbon. Grants help with installing home insulation for disabled homeowners or tenants and are provided so that they have the opportunity to get new energy-saving insulation fitted for free or at a fraction of the cost that they might not have been able to afford otherwise. Before applying for a specific insulation grant, you should check that your home is suitable to have that type of insulation installed.

What are the qualifying benefits for disabled people to get insulation grants?

Prior to the ECO4 iteration of the scheme, there were several qualifying benefits that allowed disabled people to get access to insulation grants. However, there have been some changes to the criteria for ECO4, including those benefits that could qualify disabled people for a grant. There is now more emphasis placed on your income and income-related benefits, as a person could be disabled and have previously qualified for a grant regardless of their level of household income.

These changes do not by any means exclude disabled people from insulation grants. If you are disabled and are a low income household, or are claiming an income-based government benefit, you could be eligible for an insulation grant. Current qualifying benefits under ECO4 eligibility criteria are listed below.

  • Income-based Jobseekers Allowance (JSA)
  • Income-related Employment Support Allowance (ESA)
  • Income Support (IS)
  • Pension Credit Guarantee Credit
  • Working Tax Credit
  • Child Tax Credits (CTC)
  • Universal Credit (UC)
  • Housing Benefit (new benefit eligible under ECO4)
  • Pension Credit Savings Credit (new benefit eligible under ECO4)
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Disabled man applying for an insulation grant on his laptop

Are there any other ways for disabled people to get an insulation grant?

Aside from means tested benefit qualification under the ECO scheme, a disabled person alternatively may be able to get free or cheaper insulation under the Great British Insulation Scheme.

Disabled people, and even disabled tenants, could be eligible for support for insulation to improve their home’s energy efficiency if their home:

  • has an energy performance certificate (EPC) rating of D to G
  • is in Council Tax bands A-D in England or A-E in Scotland or Wales


The funding is open to all households and is not specifically targeted at people with disabilities, but nonetheless provides another avenue for insulation grants for disabled people. If you are a private tenant, you’ll need to get the permission of your landlord before you apply.

This financial support is free and does not have to be repaid and can help with a range of insulation measures including loft insulation, cavity wall insulation, solid wall insulation, internal wall insulation, and underfloor insulation.


What savings can you make from having insulation installed in your home?

There are a lot of cost saving benefits to having insulation fitted in your home. The exact level of financial benefit you will experience will vary based on a number of factors.

Some of the relevant factors include the age and type of property, the walls you have, level of current insulation, and what type of insulation you are fitting. Having high-quality insulation installed has the potential to massively reduce your expected energy bills.

For example, according to the Energy Saving Trust, as much as £485 worth of energy bill savings could be made by installing cavity wall insulation and around £445 with loft insulation (based on a detached property and fuel prices as of January 2024).

Types of Insulation Available

There are many different types of insulation available to suit any home.

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Loft Insulation

One of the easiest ways to insulate your home quickly

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Spray Foam Insulation

Energy Efficient Expanding Foam Spray

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Cavity Wall Insulation

Insulation installed within the cavity space of your walls

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External Wall Insulation

Insulation installed externally outside the home

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Flat Roof Insulation

Insulation installed for a range of flat roof buildings

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Internal Wall Insulation

Retain your heat with effective internal insulation

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Party Wall Insulation

Insulation for walls between internal rooms

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Underfloor Insulation

Insulation to minimise heat loss through the floor

Up to £40,000 in Funding Available from GOV.UK

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Disabled Grants

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Landlord Grants

Pensioner grants

Pensioner Grants

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Veteran Grants

Why Are Households Installing Insulation?

There has never been a better time to take advantage of insulation funding grants 

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Free Funding to Install Home Insulation