Quotatis | Insulation Advice

Take advantage of the CERO, HHCRO and CSCO schemes


With national energy prices on the rise again this winter, efficiency measures such as insulation have become more and more important. There are a number of areas around the home affected by heat loss and insulation is crucial to deal with these problem spots. Popularly, loft lagging and wall cavity insulation act as excellent ways to save money.

And better news for you if you’re considering insulating your home, there is a scheme available to provide funding for insulation. This is known as the Energy Company Obligation (ECO) scheme.

There are several schemes that fall under ECO, including CERO insulation, HHCRO insulation and CSCO insulation. We aim to give you more information on each scheme below.

What is ECO?

ECO is a scheme which was set-up by the Government but is funded through energy companies. The idea is to reduce the amount of energy created and wasted in the UK, whilst easing the burden on those struggling with fuel poverty.

There are three parts to the scheme:

  • Home Heating Cost Reduction Obligation (HHCRO)
  • Carbon Emissions Reduction Obligation (CERO)
  • Carbon Savings Communities Obligation (CSCO)


The CERO insulation section of the scheme focuses on properties that are deemed as hard to heat. Properties are classified as such if they have solid or hard-to-treat cavity walls. Once this problem has been addressed, the property will then be eligible for loft insulation too if required.


This is sometimes referred to as Affordable Warmth, taking a look at changes that could make your home cheaper to heat. There are a range of measures included in this section, such as loft lagging, cavity wall insulation and boiler replacements. Of course, upgrading each of the above would help you to save hundreds of pounds each year on bills.


The CSCO insulation scheme looks into specific postal areas that need energy efficiency improvements. ECO works with the Registered Social Landlords in eligible postcode districts to provide energy saving improvements. This is mainly solid wall insulation, wall cavity insulation and loft insulation. The scheme mostly targets rented properties but may also be available for privately owned homes too.


Facts & Figures You’ll Love To Share

  • Improving your home efficiency with insulation will help you to save hundreds of pounds every year on heating bills.
  • As heat naturally rises, loft lagging acts as a superb insulator to retain warmth in the home.
  • 20% of heat can be lost through inefficient walls, so consider wall cavity and solid wall insulation.
  • You could be wasting £200 a year on heat with inefficient windows. Consider replacement double glazing.

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Tom Crosswell

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