Stellarinsulation.co.uk Review

Based on looking at the website, Stellarinsulation.co.uk appears to be a legitimate operation focused on helping eligible UK households access government-backed ECO4 scheme grants for home energy efficiency improvements. Their primary offering revolves around free boiler grants, but they also highlight other services like insulation, heat pumps, and solar panels. The site provides a clear process for checking eligibility and applying.

Overall Review Summary:

• Purpose: Facilitates access to government-funded ECO4 grants for home energy efficiency.
• Key Services: Free boiler grants, insulation, heat pumps, solar panels.
• Target Audience: UK homeowners receiving income-related benefits or falling under LA Flex criteria.
• Transparency: Good, with clear explanations of the ECO4 scheme and eligibility.
• Contact Information: Readily available (phone, email, WhatsApp, physical address).
• Ease of Use: Website is straightforward, with a clear application process.
• Government Affiliation: Explicitly states the scheme is government-backed and links to GOV.UK and Ofgem.
• Missing Elements: While comprehensive, the website doesn’t feature direct customer testimonials or case studies with verifiable results, which can be a powerful trust signal. There’s also no explicit “Terms and Conditions” or “Privacy Policy” linked directly from the homepage footer, though these might exist elsewhere on the site. A clear ‘About Us’ section explaining the company’s background and team beyond a brief paragraph would also enhance trust.

The website does a solid job of outlining the ECO4 scheme, its benefits, and the eligibility criteria. They link to official government sources, which is a big plus for credibility. The focus on helping low-income and vulnerable households align with ethical principles of societal welfare. However, for a review, one would typically look for robust evidence of past customer satisfaction beyond just claims, such as external reviews or detailed case studies, and readily accessible legal disclaimers.

Best Alternatives for Home Energy Efficiency in the UK:

• Energy Saving Trust
  • Key Features: Independent organisation providing impartial advice on energy efficiency, renewable energy, and sustainable transport. Offers information on grants, tariffs, and practical tips.
  • Average Price: Free advice and information; services they recommend may have costs.
  • Pros: Highly reputable, comprehensive, and unbiased. Provides tailored advice.
  • Cons: Does not directly install or manage grants for you; acts as an information hub.
• Green Homes Grant Scheme (Past Scheme – for context, as ECO4 is current)
  • Key Features: (Note: This scheme is no longer active, but it’s a key reference for similar government initiatives). Provided vouchers for homeowners and landlords to make homes more energy efficient.
  • Average Price: Vouchers covered at least two-thirds of the cost of improvements, up to £5,000.
  • Pros: Direct financial incentive for a wide range of energy-saving measures.
  • Cons: Short-lived and had implementation issues. Not a current alternative.
• British Gas
  • Key Features: Major energy supplier offering boiler installations, insulation, and home energy services. May offer ECO4 scheme services.
  • Average Price: Varies widely based on service and eligibility for grants.
  • Pros: Established company with extensive experience and national coverage.
  • Cons: Pricing can be higher than smaller local installers; customer service reviews can be mixed.
• E.ON Next
  • Key Features: Another large energy provider offering energy efficiency measures, including boilers, insulation, and smart thermostats. Involved in ECO schemes.
  • Average Price: Dependent on specific services and grant eligibility.
  • Pros: Broad range of services, often competitive tariffs for energy supply.
  • Cons: May require being an existing customer for certain offers.
• OVO Energy
  • Key Features: Known for its focus on renewable energy and smart home technology. Offers boiler installations, heat pumps, and solar panels, and participates in ECO4.
  • Average Price: Service-specific, with potential for grant funding.
  • Pros: Strong commitment to green energy, good customer service reputation in some areas.
  • Cons: Can be more focused on newer technologies, which might not suit all homes.
• Local Insulation Installers (Search on Amazon UK)
  • Key Features: Smaller, independent companies specialising in insulation (cavity wall, loft, external wall). Many are accredited for ECO schemes.
  • Average Price: Varies significantly by location and specific service, often competitive.
  • Pros: Personalised service, potentially more flexible, deep local knowledge.
  • Cons: Vetting required to ensure accreditation and reliability; coverage can be limited.
• Boiler Grants UK
  • Key Features: A website similar to Stellar Insulation, focusing specifically on free boiler grants under the ECO scheme. Simplifies the eligibility check and application process.
  • Average Price: Service is free for eligible households.
  • Pros: Specialised focus, clear pathway to grant application.
  • Cons: Similar to Stellar Insulation, needs external verification of customer satisfaction.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

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IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

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Stellarinsulation.co.uk Review & First Look

Alright, so you’ve landed on Stellarinsulation.co.uk, and you’re wondering if this is the real deal for those government-backed boiler grants. Let’s cut straight to it. From a first glance at their homepage, the site positions itself squarely as a facilitator for the UK government’s ECO4 scheme, aiming to help eligible households secure free boilers, and other energy efficiency measures like insulation, heat pumps, and solar panels. They lay out a pretty clear path: check eligibility, book a survey, get your new system installed.

The website explicitly states that the ECO4 scheme is a government initiative and links directly to official GOV.UK and Ofgem pages for verification. This is a crucial positive signal, indicating they are operating within a known and regulated framework. They list various income-related benefits that can qualify you, along with specific income thresholds for those claiming Child Benefit, which is helpful for quick self-assessment. Furthermore, they mention the “LA Flex Scheme,” providing an alternative route to eligibility for those not on standard benefits but deemed vulnerable or in fuel poverty by their local authority. This shows a good understanding of the nuanced eligibility criteria of the ECO4 scheme.

However, a strict review needs to look beyond the surface. While the claims are bold (“new boilers at no cost,” “seamless experience”), the website lacks immediate, verifiable social proof such as customer testimonials with names, photos, or external review platform links. This is a common feature on trusted business sites to build confidence. Also, fundamental legal documents like a comprehensive “Terms and Conditions” or “Privacy Policy” link are not prominently displayed in the footer from the homepage, which is a standard practice for transparency and consumer protection in the UK. This doesn’t mean they don’t exist, but their absence on the main page raises a slight flag for thoroughness.

Understanding the ECO4 Scheme

The Energy Company Obligation (ECO) scheme, now in its fourth phase (ECO4), is a bona fide UK government initiative. Its core purpose is to combat fuel poverty and reduce carbon emissions by mandating larger energy suppliers to improve the energy efficiency of low-income, fuel-poor, and vulnerable households. ECO4 specifically targets homes in bands E, F, and G, aiming to upgrade them to at least a D or C rating. This scheme isn’t just about boilers; it encompasses a range of measures including cavity wall insulation, loft insulation, external wall insulation, and renewable heating systems like heat pumps and solar panels. According to Ofgem, the administrator of the scheme, over 3.5 million energy efficiency measures have been installed under ECO to date, demonstrating its significant impact since 2013. The current phase, ECO4, is set to run until March 31, 2026, reinforcing the urgency and opportunity for eligible households.

Stellarinsulation.co.uk’s Approach

Stellar Insulation positions itself as an “end-to-end company,” meaning they handle the entire process from grant application to installation. This is a significant claim that, if true, simplifies the journey for the homeowner. They state they are “fully accredited & certified home heating experts,” which is essential for carrying out work under a government scheme. The process outlined is logical: Blinds4you.co.uk Review

1. Check eligibility: Answering a series of questions.
2. Book survey: An approved installer contacts you for a free home survey.
3. New Boiler Installed: Installation commences once funding is approved, aiming for work to begin within 10 days.

This structured approach is appealing, especially for those who might find navigating government schemes daunting. However, without independent verification or clear third-party accreditations highlighted on the homepage itself (e.g., Trustpilot scores, industry body logos), these claims remain assertions from the company.

Stellarinsulation.co.uk Pros & Cons

Alright, let’s break down the upsides and downsides of Stellarinsulation.co.uk based purely on what’s presented on their website. Think of this as weighing the evidence, like a detective sifting through clues. It’s all about whether the information they provide builds confidence or leaves you with nagging questions.

Pros: What Stellarinsulation.co.uk Does Well

From the jump, there are several elements that work in Stellar Insulation’s favour, especially for a user looking to understand government grants.

• Clear Focus on Government Scheme: The website immediately highlights the ECO4 scheme, a legitimate UK government initiative. This isn’t some obscure, private grant; it’s a widely publicised programme designed to help reduce energy bills and carbon emissions. This clarity is crucial, especially when dealing with free services or grants. They don’t try to hide this or make it seem like their own private offering.
• Direct Links to Official Sources: A huge plus for credibility is the inclusion of direct links to the official GOV.UK website and Ofgem’s ECO Scheme page. This allows users to verify the legitimacy of the ECO4 scheme independently. Any reputable company dealing with government programmes should encourage this level of transparency, as it builds significant trust.
• Detailed Eligibility Criteria: They provide specific, actionable information on who qualifies, listing various income-related benefits (Child Tax Credits, Universal Credit, Income-Related Employment and Support Allowance, etc.) and even income thresholds for Child Benefit recipients. This helps potential applicants quickly determine if they might be eligible, saving them time.
• Explanation of LA Flex Scheme: Beyond the standard benefits, the website explains the Local Authority Flexible Eligibility (LA Flex) scheme. This shows a comprehensive understanding of the ECO4 programme’s nuances, demonstrating that they are aware of alternative qualification routes for vulnerable or low-income households not necessarily claiming traditional benefits. This broader approach can help more people access support.
• Simple Application Process Outline: The “Three simple steps” (check if you qualify, book your survey, new boiler installed) clearly lay out the customer journey. This simplifies what could otherwise be a complex process, making it less daunting for the average homeowner.
• Comprehensive Service Offering: While primarily focused on free boilers, they also mention other ECO4-covered measures like external wall insulation, solar panels, air source heat pumps, and cavity wall insulation. This indicates they are not a one-trick pony and can potentially assist with a wider range of energy efficiency improvements.
• Visible Contact Information: Phone numbers, email, and even a WhatsApp contact are prominently displayed, along with a physical head office address. This makes it easy for potential clients to reach out with questions, which is a sign of a transparent business.
• Emphasis on Sustainability: The company’s mission statement about reducing carbon footprint and providing “holistic solutions for a sustainable future” aligns well with the ECO4 scheme’s environmental goals. This resonates with those looking for eco-friendly solutions.

Cons: Areas for Improvement and Cautionary Notes

Now, for the parts that make you raise an eyebrow or wish for a bit more substance. These aren’t necessarily deal-breakers, but they are points where a consumer should seek further reassurance.

• Lack of Verifiable Customer Testimonials/Reviews: This is a big one. While the website claims to have “highly skilled and experienced heating professionals” and aims for “excellent service and customer satisfaction,” there are no visible customer testimonials, case studies, or links to independent review platforms (like Trustpilot, Google Reviews, or Facebook reviews) on the homepage. In today’s digital age, social proof is paramount for building trust. Without it, these claims are just words on a screen.
• Limited “About Us” Information: The “Why Choose Stellar Insulation?” section is brief. It states they are a “UK-based energy company” and an “end-to-end company,” but it lacks specifics about their history, the team behind the company, or their specific accreditations beyond a general statement of being “fully accredited & certified.” More detailed company background can significantly boost confidence.
• Missing Essential Legal Documents: Crucially, there are no easily accessible links to a “Terms and Conditions” page or a “Privacy Policy” directly from the homepage’s footer. These are standard legal requirements for any UK business, especially one handling personal data for grant applications. While they might be buried somewhere else, their absence on the main page is a red flag for transparency and data handling practices.
• No Explicit Guarantees or Warranties: While they talk about “quality workmanship,” there’s no mention of specific guarantees on installations or warranties on the products installed (e.g., boiler warranties). This information is vital for consumer protection, as a new heating system is a significant investment (even if free to the end-user, it’s still a large asset).
• Generic Stock Images: The website largely uses what appear to be generic stock images rather than photos of actual installations or their team. While not a critical flaw, bespoke imagery can add authenticity and demonstrate the company’s real-world operations.
• Zero Counter for “Completed New Boiler Installations”: The counter proudly states “COMPLETED NEW BOILER INSTALLATIONS 0 +”. This is a significant oversight and instantly undermines any claim of experience or success. It might be a technical glitch, but on a live website, it sends a very poor signal.
• Limited Geographical Coverage Explicitly Stated: While they say “We are expanding the areas we cover,” the list of specific locations (Kent, Croydon, Chelmsford, etc.) is quite limited. This isn’t a con for those in those areas, but it could be for broader UK searchers, and implies a relatively localised operation despite grand claims.
• No Clear Complaints Procedure: While they offer contact details, a formal, easy-to-find complaints procedure isn’t detailed on the homepage. For a service involving significant home improvements, having a clear process for resolving issues is important for consumer trust.

In essence, while Stellarinsulation.co.uk does a good job of explaining the ECO4 scheme and its relevance, it falls short on building trust through verifiable social proof, detailed company information, and easily accessible legal documentation. The “0 +” completed installations counter is particularly damaging to their credibility. Prospective clients should proceed with caution and seek further verification before committing. Pizzagogo.co.uk Review

Stellarinsulation.co.uk Alternatives

When you’re looking for home energy efficiency improvements under government schemes like ECO4, it’s always smart to have a few options in your pocket. While Stellarinsulation.co.uk focuses on streamlining access to these grants, the market has various players, from large energy providers to specialised local installers, all aiming to help you make your home more energy-efficient. Here are some strong alternatives worth exploring, keeping in mind that the landscape for such grants often involves a mix of direct government information and approved installers.

Larger Energy Suppliers

Many of the major energy companies are obligated to deliver the ECO4 scheme, so they are a direct source for these grants.

• British Gas

  

  • What they offer: As one of the UK’s largest energy suppliers, British Gas is a key player in the ECO scheme. They offer a range of energy efficiency improvements, including boiler upgrades, insulation (cavity wall, loft, external wall), and even smart heating controls. They have dedicated teams for assessing eligibility and managing installations.
  • Why they’re an alternative: Their vast resources, national network of engineers, and long-standing presence provide a sense of reliability and capability. They are directly mandated by the government to deliver ECO4, meaning they have a vested interest in the scheme’s success.
  • Consideration: Being a large corporation, the process might feel less personal than with a smaller firm, and their specific ECO-related offers might vary.

• E.ON Next Fosters-solicitors.co.uk Review

  • What they offer: E.ON Next, a significant energy provider, actively participates in the ECO4 scheme. They can assist with installing energy-efficient boilers, various types of insulation, and renewable heating systems like heat pumps.
  • Why they’re an alternative: Similar to British Gas, E.ON Next has the infrastructure and expertise to handle a high volume of installations under the ECO scheme. They have a focus on sustainable energy solutions, which aligns with the overall goals of ECO4.
  • Consideration: You might find their offerings or application process differs slightly from other providers, so it’s worth checking their specific ECO4 section.

• OVO Energy

  • What they offer: OVO Energy, known for its commitment to greener energy, also delivers ECO4 measures. They can help with boiler replacements, insulation, and are particularly strong in promoting and installing heat pumps and solar panels.
  • Why they’re an alternative: OVO often brings a more modern, customer-centric approach to energy services. Their emphasis on renewable technology means they are well-positioned for the broader scope of ECO4, which encourages a whole-house retrofit approach.
  • Consideration: Their primary focus on digital interaction might not suit everyone, and their specific service area might be more limited than older, larger providers for certain measures.

Specialised Grant Facilitators & Installers

There are numerous companies that specialise solely in connecting homeowners with ECO grants and managing the installation process. These often operate regionally or nationally.

• Boiler Grants UK

  • What they offer: This website operates very similarly to Stellarinsulation.co.uk, acting as a gateway to free boiler grants and other ECO4 measures. They provide an eligibility checker and guide users through the application and installation process.
  • Why they’re an alternative: Specialised focus means they are highly knowledgeable about the nuances of the ECO scheme. Having multiple similar facilitators allows for comparison of their application processes and any additional support they might offer.
  • Consideration: Like Stellar Insulation, you’ll need to do your due diligence regarding their specific installer network and customer satisfaction records, as they act as an intermediary.

• Warm Front UK (Note: This was a previous government scheme, not current ECO4, but illustrates a type of facilitator)

  • What they offer: (Historical context, as Warm Front is no longer active) Provided grants for heating and insulation improvements to vulnerable households. Illustrates the long history of government schemes aimed at energy efficiency and fuel poverty.
  • Why they’re an alternative (conceptually): Shows how dedicated, government-partnered schemes can operate. Current companies might draw on similar operational models.
  • Consideration: Not a current option for ECO4, but good for understanding the evolution of these programmes.

Independent Advice & Resources

Sometimes, the best alternative isn’t another company, but an independent source of information to empower you. Affordablebuildingandroofing.co.uk Review

• Energy Saving Trust

  • What they offer: The Energy Saving Trust is an independent organisation providing impartial advice on energy efficiency, renewable energy, and sustainable transport for homes and businesses. They are a treasure trove of information on government schemes, grants, and practical ways to save energy.
  • Why they’re an alternative: They don’t install anything or manage grants directly, but they offer unbiased guidance, helping you understand your options and verify information from third-party installers. Their website is packed with reliable data and tips.
  • Consideration: You’ll need to then find an installer yourself based on their advice, but you’ll be doing so from a much more informed position.

• Local Authority Websites

  • What they offer: Your local council often has a dedicated section on their website detailing local energy efficiency initiatives, including how to access the ECO4 scheme, particularly the LA Flex route. They might also list approved local installers or partners.
  • Why they’re an alternative: For the LA Flex scheme, the local authority is the gatekeeper. Their direct involvement can provide a highly localised and trustworthy path to grants.
  • Consideration: Information varies greatly from council to council; some websites are more comprehensive than others.

When exploring these alternatives, remember to:

• Verify Accreditations: Ensure any company you consider is properly accredited (e.g., Gas Safe Register for boiler work, MCS for renewables, TrustMark for general quality).
• Check Reviews: Look for independent customer reviews on platforms like Trustpilot, Google Reviews, or local community forums.
• Get Multiple Quotes: Don’t settle for the first offer. Compare services, timelines, and communication from several providers.
• Read the Fine Print: Always understand the full terms of any agreement, especially regarding warranties, maintenance, and any potential costs not covered by the grant.

How to Apply for ECO4 Grant via Stellarinsulation.co.uk

Navigating government schemes can feel a bit like wading through treacle, but Stellarinsulation.co.uk aims to simplify the ECO4 grant application process. Based on their website, they’ve distilled it into what they describe as “three simple steps.” This section will walk you through what those steps entail, according to their own outline.

Step 1: Check If You Qualify

This is the initial gateway and arguably the most crucial step, as eligibility is strictly defined by the ECO4 scheme. Genistar.co.uk Review

• Online Questionnaire: The website prompts you to “Check if you qualify in 60 seconds for free” via an online application form. This form will ask you a series of questions about:
  • Yourself: Personal details, contact information.
  • Your Home: Type of property (homeowner), postcode.
  • Existing Heating System: Age of your boiler (must be older than 15 years for boiler grants), current heating setup.
  • Benefits Received: This is the primary determinant for most ECO4 applications. The website specifically lists:
    • Child Tax Credits
    • Child Benefit (with specific income thresholds detailed on the site: e.g., Single Parent 1 Child: £19,000; Parents in a couple 1 Child: £27,500)
    • Income Related Employment and Support Allowance (ESA)
    • Pension Savings Credit
    • Income Support or Pension Credit Guarantee Credit
    • Working Tax Credit
    • Universal Credit
    • Income-based Jobseeker’s Allowance (JSA)
    • Housing Benefits
• LA Flex Consideration: The site also mentions that you might qualify under the LA Flex Scheme even if you don’t receive the listed benefits. This applies to individuals in fuel poverty or deemed vulnerable (e.g., over 65, households with young children, pregnant women, people with certain health conditions). Your local authority sets the specific criteria for this route.
• Initial Determination: Based on your responses, Stellar Insulation states they will “determine whether you qualify for a free boiler and will apply for a boiler grant on your behalf.” This suggests an automated or semi-automated initial assessment followed by their team taking over the application submission.

Key point: It’s important to be accurate with your information, especially regarding benefits and income, as this will be verified. The ECO4 scheme is backed by precise governmental regulations.

Step 2: Book Your Survey

Once your initial qualification is confirmed and your claim is submitted (by Stellar Insulation on your behalf), the process moves to a more practical assessment.

• Approved Boiler Installer Connection: Stellar Insulation states they will “connect you with an approved boiler installer.” This installer is presumably part of their network of accredited professionals.
• Initial Contact and Scheduling: The installer will then contact you to ask a few more questions and subsequently schedule a free home survey. This survey is critical for assessing the specific needs of your property.
• What the Survey Involves: During the survey, the installer will:
  • Assess your existing boiler/heating system: Confirm its age, efficiency, and condition.
  • Evaluate your home’s energy efficiency: Look at insulation levels, window quality, and overall heat loss.
  • Determine the best solution: Recommend the most suitable new boiler or other energy efficiency measures (e.g., type of insulation, heat pump) that align with ECO4 requirements for your property.
  • Confirm grant eligibility specifics: Double-check all details to ensure the project meets the strict criteria for funding.
• No Obligation: A “free survey” implies no upfront cost or obligation to proceed if you change your mind or if the proposed solution isn’t suitable.

Key point: This survey is a crucial step where the technical feasibility and exact scope of the grant-funded work are determined. It’s your opportunity to ask detailed questions about the proposed installation.

Step 3: New Boiler Installed

This is the culmination of the application process, where the physical work gets done.

• Grant Funding Approval: After the survey is complete and the recommended works are agreed upon, the grant funding must be officially approved. Stellar Insulation’s role here is to manage this approval process with the relevant bodies.
• Installation Commencement: Once the funding is secured, the “installation of your new boiler will commence by a team of accredited installers.”
• Timeline: Stellar Insulation aims for work to begin “in 10 days” after the survey is complete and funding is approved. This is an ambitious but appealing timeline for homeowners eager to get their new system.
• Accredited Installers: The emphasis on “accredited installers” is important. This means the professionals carrying out the work are qualified and regulated, ensuring safety and compliance with industry standards (e.g., Gas Safe Register for boiler engineers).
• End-to-End Service: Stellar Insulation promotes itself as an “end-to-end company, meaning there is no third party involved” in the sense that they manage the entire journey for you, from application to installation. This aims to provide a “seamless experience.”

Key point: Ensure you understand the full scope of work, the specific products being installed, and any guarantees or warranties provided before the installation begins. A smooth installation process is the ultimate goal, leading to a more energy-efficient home. Smartwebdesignplymouth.co.uk Review

Understanding ECO4 Scheme and Eligibility Criteria

The ECO4 scheme is a significant part of the UK government’s strategy to tackle climate change and address fuel poverty. It’s not a new concept; rather, it’s the latest iteration of the Energy Company Obligation, which began in 2013. Understanding its aims and who qualifies is key to leveraging this opportunity.

What is the ECO4 Scheme?

The Energy Company Obligation (ECO) is a government initiative that places an obligation on large energy suppliers (like British Gas, EDF Energy, Eon, OVO, Scottish Power, and SSE) to improve the energy efficiency of residential homes across the UK. The goal is two-fold:

1. Reduce Carbon Emissions: By making homes more energy-efficient, less energy is consumed, leading to a reduction in greenhouse gas emissions.
2. Address Fuel Poverty: The scheme primarily targets low-income, vulnerable, and fuel-poor households, helping them to lower their energy bills through improved heating and insulation.

ECO4 (2022-2026) is the current phase, running until 31 March 2026. It builds on previous iterations (ECO1, ECO2, ECO3) with a stronger focus on “whole-house retrofits.” This means instead of just a single measure like a boiler replacement, ECO4 encourages comprehensive upgrades to a property’s energy efficiency. The emphasis is on raising the Energy Performance Certificate (EPC) rating of homes, specifically targeting those with the lowest ratings.

• EPC Bands: ECO4 primarily targets homes with an EPC rating of D, E, F, or G. The aim is to improve homes in bands D and E to at least band C, and those in F and G to at least band D. This pushes for significant improvements in the least efficient properties.
• Multi-Measure Approach: The scheme encourages the installation of multiple energy efficiency measures simultaneously. This could include a new boiler and cavity wall insulation, or a heat pump and external wall insulation.
• Funding Mechanism: The energy suppliers meet their obligations by funding the installation of energy efficiency measures in eligible homes. While the homeowner doesn’t pay directly, the costs are ultimately covered through a levy on all energy bills.

Key aims of ECO4, as outlined by Ofgem and the government:

• Improving the Energy efficiency of properties that fall under bands E, F or G.
• Supporting low-income households struggling to manage rising fuel costs.
• Making the UK more energy efficient in combating climate change.
• Bringing the scheme to a wider range of people than previous schemes (such as ECO3).
• Getting local authorities and energy suppliers directly involved in supporting fuel-poor households and tackling climate change.

Who is Eligible for an ECO4 Grant?

Eligibility for ECO4 grants typically falls into two main categories: those receiving specific benefits and those qualifying under the Local Authority Flexible Eligibility (LA Flex) scheme. Allison-homes.co.uk Review

1. Benefit-Based Eligibility

The most straightforward path to ECO4 funding is by receiving one or more of the following income-related benefits:

• Income-based Jobseeker’s Allowance (JSA): For those seeking work and on a low income.
• Income Support (IS): For those on a low income not in full-time work.
• Income-related Employment and Support Allowance (ESA): For those with health conditions or disabilities affecting their ability to work.
• Pension Credit Guarantee Credit: For pensioners on a low income.
• Pension Savings Credit: For pensioners who have saved for their retirement (may have specific income thresholds).
• Universal Credit (UC): A broad benefit covering various circumstances for low-income households.
• Child Tax Credit (CTC): For families with children on a low income.
• Working Tax Credit (WTC): For working individuals on a low income.
• Child Benefit: Eligibility is based on total household income thresholds, which vary depending on the number of children. For example:
  • Single Parent: 1 child (£19,000), 2 children (£24,800), 3 children (£29,600), 4+ children (£34,500).
  • Parents in a Couple: 1 child (£27,500), 2 children (£32,300), 3 children (£37,200), 4+ children (£42,000).
• Housing Benefits: For those receiving financial assistance with housing costs.

Key requirement: In addition to receiving one of these benefits, for a free boiler grant, the property’s existing mains gas boiler must generally be older than 15 years.

2. Local Authority Flexible Eligibility (LA Flex Scheme)

This route offers a lifeline to those who don’t receive the specified benefits but are still in need of support. LA Flex empowers local councils and authorities to set their own eligibility criteria within the ECO scheme, allowing them to identify and refer households experiencing:

• Fuel Poverty: Defined as spending a minimum of 10% of their net income on heating their residence.
• Low Income and Vulnerability to Cold Conditions: This category includes households with low incomes who are particularly susceptible to the adverse effects of living in a cold home. Specific vulnerabilities often include:
  • Older people (age 65 and over)
  • Households with young children (0-5 years old)
  • Pregnant women
  • People with cardiovascular conditions (e.g., heart disease)
  • People with respiratory conditions (e.g., asthma, COPD)
  • People with disabilities
  • People with mental health conditions or learning disabilities that lower their ability to look after themselves (including those with dementia).

Important Note on LA Flex: The specific criteria and application process for LA Flex can differ between councils. It’s always advisable to check your local authority’s website or contact them directly to understand their specific guidelines. They often work with approved installers to deliver the measures.

Data Point: According to government statistics, in 2022, 3.26 million households were in fuel poverty in England. ECO4 is designed to directly address this critical issue by improving the energy efficiency of these homes. Instaloft.co.uk Review

By understanding these two pathways, individuals can determine if they stand a chance of securing a government-backed ECO4 grant to significantly improve their home’s energy efficiency and reduce their heating costs.

Benefits of the ECO4 Scheme

The ECO4 scheme isn’t just about getting a free boiler; it’s a strategic government initiative designed to deliver a cascade of benefits for both individual households and the wider UK. Let’s dig into the tangible advantages this scheme brings to the table.

Lower Energy Bills

This is arguably the most immediate and impactful benefit for eligible households. Older boilers, typically those manufactured before 2005, operate at a significantly lower efficiency, often around 50-60%. This means for every pound you spend on heating, up to 50 pence could be wasted through inefficiencies.

• Improved Efficiency: New, A-rated condensing boilers (which are typically installed under ECO4) are designed to be over 90% efficient. This dramatic increase in efficiency means your heating system uses far less fuel to produce the same amount of heat.
• Direct Cost Savings: By replacing an inefficient boiler or installing proper insulation, households can see substantial reductions in their monthly or quarterly energy bills. For a typical semi-detached house, upgrading from an inefficient boiler could save hundreds of pounds annually. The Energy Saving Trust estimates that a new boiler could save up to £300 a year on energy bills for a typical semi-detached home (based on March 2023 figures for gas heating).
• Reduced Fuel Poverty: For low-income and vulnerable households, these savings can be life-changing, helping them to manage their finances better and ensuring they can afford to keep their homes adequately warm during colder months. Official UK government statistics for 2022 indicated that 3.26 million households in England were in fuel poverty. The ECO4 scheme directly aims to alleviate this burden.

Improved Home Comfort and Health

Beyond financial savings, an energy-efficient home is a more comfortable and healthier living environment.

• Consistent Heating: Modern heating systems provide more consistent and reliable warmth throughout the home, eliminating cold spots and drafts often associated with old, inefficient boilers and poor insulation.
• Better Air Quality: A properly insulated home with an efficient heating system can help reduce dampness and mould growth, which are detrimental to respiratory health. This is particularly beneficial for households with vulnerable occupants such as young children, the elderly, or those with existing health conditions.
• Reduced Winter Illnesses: Living in a cold, damp home is linked to a higher risk of respiratory illnesses, cardiovascular problems, and mental health issues. By improving warmth and air quality, ECO4 contributes to better public health outcomes. Public Health England data suggests that cold homes contribute to an estimated 8,500 excess winter deaths annually in England.

Reduced Carbon Footprint

The ECO4 scheme is fundamentally an environmental initiative designed to help the UK meet its ambitious climate change targets. Holidayjet.co.uk Review

• Lower Emissions: Homes are significant contributors to the UK’s carbon emissions. By reducing the energy demand for heating, the scheme directly cuts down on greenhouse gas emissions from domestic properties. Replacing an old gas boiler with a new efficient one can reduce a household’s carbon footprint by approximately 1.8 tonnes of CO2 per year, according to the Energy Saving Trust.
• Meeting Net-Zero Targets: The UK government has committed to achieving net-zero carbon emissions by 2050. Schemes like ECO4 are critical mechanisms for decarbonising the housing stock, which accounts for around 16% of the UK’s total carbon emissions.
• Encouraging Green Technologies: Beyond boilers, ECO4’s emphasis on a “whole-house retrofit” encourages the adoption of renewable energy technologies like air source heat pumps and solar panels, further accelerating the transition away from fossil fuels.

Increased Property Value

While not the primary aim for many applicants, improving a home’s energy efficiency can have a positive impact on its market value.

• Higher EPC Rating: An improved Energy Performance Certificate (EPC) rating makes a property more attractive to potential buyers or renters. A higher EPC rating signifies lower running costs, a significant selling point in a market increasingly conscious of energy prices. Research by Nationwide Building Society has shown that homes with higher EPC ratings can command a premium, with properties moving from G to C potentially increasing in value by up to 14%.
• Modernised Systems: New boilers and insulation are significant home improvements that enhance the overall appeal and functionality of a property, contributing to its long-term value.

In summary, the ECO4 scheme offers a comprehensive package of benefits, from immediate financial relief and improved living conditions to long-term environmental advantages and potential boosts to property value. For eligible households, it represents a substantial opportunity to upgrade their homes at no direct cost.

How Stellarinsulation.co.uk Handles Your Application

So, you’ve decided to go with Stellarinsulation.co.uk to navigate the ECO4 grant process. How exactly do they manage your application, from your initial query to the final installation? Their website gives us a roadmap, outlining their “end-to-end” service.

Initial Contact and Eligibility Check

Your journey starts with their online application form or a phone call.

• Data Collection: When you fill out their online form, you’ll be providing personal details, information about your property, and crucially, details about your current heating system and the benefits you receive. This data is essential for them to make an initial assessment of your eligibility against the ECO4 criteria.
• Preliminary Assessment: Stellarinsulation.co.uk states they will “determine whether you qualify for a free boiler and will apply for a boiler grant on your behalf.” This implies they have an internal system or team that quickly reviews your submitted information. If you meet the preliminary criteria (e.g., specific benefits, boiler age), they proceed to the next stage.
• Information Gathering: They’ll gather all necessary documentation related to your benefits and property ownership to build a robust application file for the grant. This likely involves cross-referencing with government databases or requesting proof from you.

Grant Application Submission

This is where Stellarinsulation.co.uk’s role as a facilitator comes into play. They handle the administrative burden of submitting the grant application. Nya.co.uk Review

• Interfacing with Energy Suppliers: The ECO4 scheme obligates major energy suppliers to fund these installations. Stellarinsulation.co.uk, as an approved ECO provider, acts as the intermediary, submitting your application to one of these obligated energy companies (e.g., British Gas, E.ON, OVO) for funding approval.
• Compliance and Documentation: They ensure that all required documentation is complete and compliant with ECO4 regulations. This includes proof of eligibility, property details, and a preliminary assessment of the required energy efficiency measures. Their expertise in navigating these requirements aims to streamline the approval process.
• Grant Allocation: Once the application is submitted to an energy supplier, it goes through their internal assessment and allocation process. The supplier decides whether to fund the measure based on their ECO obligation targets and your eligibility.

Coordination with Approved Installers

Stellarinsulation.co.uk emphasizes its “end-to-end” approach, meaning they don’t just secure the grant; they also manage the installation.

• Installer Network: They claim to connect you with an “approved boiler installer.” This suggests they have a network of certified professionals who carry out the physical work. These installers must be properly accredited (e.g., Gas Safe Registered for boiler work) to ensure safety and compliance.
• Survey Scheduling: After grant approval (or often in parallel, after initial eligibility is confirmed), they coordinate with the installer to schedule a free home survey. This survey is critical for:
  • Technical Assessment: Confirming the type of boiler or insulation needed, assessing the property’s specific requirements.
  • Costing and Scope: Finalising the exact scope of work and the costs, which the grant will cover.
  • Compliance Check: Ensuring the proposed installation meets all technical standards and ECO4 scheme rules for eligible measures.
• Project Management: Stellarinsulation.co.uk’s role is to ensure a “seamless experience from start to finish.” This implies they oversee the project, from the initial survey to the completion of the installation, addressing any issues that may arise. They aim for work to begin “in 10 days” after the survey is complete and funding approved, indicating a focus on efficiency.

Post-Installation and Certification

Once the installation is complete, there are final steps to ensure everything is in order.

• Quality Control: While not explicitly detailed on their homepage, a reputable company would have quality checks to ensure the installation meets required standards.
• Certification: For boiler installations, you’ll receive a Gas Safe certificate. For insulation, there are relevant building regulations and potentially guarantees for the work (e.g., CIGA for cavity wall insulation). Stellarinsulation.co.uk would typically ensure these are provided.
• Customer Satisfaction: Although lacking on-site testimonials, their stated commitment to “customer satisfaction” implies a follow-up process, though details are not provided.

In essence, Stellarinsulation.co.uk positions itself as a single point of contact for eligible households seeking ECO4 grants. They handle the complex application procedures and coordinate the physical installation, aiming to make the process as straightforward and hassle-free as possible for the homeowner. Their claim of “no third party involved” refers to them managing the process holistically, rather than leaving the homeowner to find separate installers after securing the grant.

Navigating Government Scheme Scams in the UK

The ECO4 scheme, while a fantastic opportunity for eligible households, can unfortunately attract unscrupulous operators. Just as with any government initiative offering “free” benefits, there’s always a risk of scams. Knowing how to spot them and protect yourself is paramount.

Understanding Common Scam Tactics

Scammers often prey on vulnerability and lack of information. Here are some tactics to watch out for: Babyrice.co.uk Review

• Aggressive Cold Calling/Door-to-Door Sales: While legitimate companies might make contact, be wary of individuals or companies using high-pressure tactics, demanding immediate decisions, or showing up unannounced at your door without prior contact.
  • Example: A caller insisting you “must act now” or you’ll “lose your grant” if you don’t sign up on the spot.
• Requests for Upfront Payments or Bank Details: A genuine ECO4 grant means the service is free to eligible households. You should never be asked for upfront payments, deposits, or your full bank details for anything other than a legitimate direct debit setup if there’s a co-payment involved (which is rare for full grants) or for minor fees clearly outlined by the council for LA Flex applications.
  • Example: A company asking for a “survey fee” or “administration charge” to process your “free” grant.
• Claiming to be “Government Officials” or “Directly from GOV.UK”: No government official will cold-call or visit your home to pressure you into a grant application. They work through accredited partners and established procedures.
  • Example: Someone stating, “I’m from the government, and we’re here to install your free boiler today.”
• Lack of Proper Accreditation or Documentation: Legitimate installers under the ECO4 scheme must be accredited (e.g., Gas Safe Register for gas work, MCS for renewable energy, TrustMark for quality and consumer protection). Scammers will often lack proper credentials or provide fake ones.
  • Example: An installer who can’t show you their Gas Safe ID card or provides a vague company name without a verifiable address or contact details.
• Vague or Unsubstantiated Promises: Be suspicious of promises that sound too good to be true, or when details about the grant process, eligibility, or terms are vague.
  • Example: “Everyone qualifies!” or “We’ll get you a free boiler no matter what.”
• Poorly Designed Websites/Communication: While Stellarinsulation.co.uk’s site is generally well-designed, watch out for websites with numerous typos, poor grammar, generic imagery, or missing contact information (especially physical address, phone, and email). Similarly, be cautious of emails from suspicious addresses.
• Absence of “Terms and Conditions” or “Privacy Policy”: As highlighted in the review, legitimate companies handling personal data and offering services must have clear, accessible legal documents. Their absence is a significant red flag.

How to Protect Yourself

Vigilance and a bit of homework can go a long way in protecting yourself from scams.

1. Verify, Verify, Verify:

   • Check Company Registration: Look up the company on Companies House to confirm its existence and registered address.
   • Accreditations: Ask for proof of relevant accreditations (Gas Safe, TrustMark, MCS). You can check these registers directly. For example, search the Gas Safe Register online if a boiler installer claims to be Gas Safe.
   • Official Sources: Always refer to official government websites like GOV.UK and Ofgem for information about the ECO4 scheme. Stellarinsulation.co.uk does link to these, which is a good sign, but always follow those links to verify.
   • Local Authority: If applying via LA Flex, contact your local council directly to confirm their involvement and any approved partners.

2. Don’t Feel Pressured: A legitimate company will give you time to consider your options and won’t rush you into making a decision. If you feel pressured, walk away.

3. Never Share Sensitive Information Carelessly: Be cautious about providing bank details or extensive personal information over the phone unless you have initiated the call to a verified number.

4. Get Everything in Writing: Ensure all agreements, quotes, and promises are put in writing before any work commences. This provides a paper trail if something goes wrong. Storebox.co.uk Review

5. Seek Independent Advice: If in doubt, consult independent organisations like the Energy Saving Trust or Citizens Advice. They can offer unbiased guidance on grants and legitimate providers.

6. Report Suspicious Activity: If you suspect a scam, report it to Action Fraud (the UK’s national reporting centre for fraud and cyber crime) or Citizens Advice. This helps protect others.

Data Point: According to Action Fraud, in the UK, reports of doorstep crime and rogue traders often spike during periods of high demand for home improvements, highlighting the importance of consumer vigilance when schemes like ECO4 are widely publicised.

By staying informed and exercising caution, you can safely navigate the ECO4 scheme and benefit from legitimate government support without falling victim to scams.

ECO4 Scheme and Other Energy Efficiency Measures

The ECO4 scheme isn’t just a boiler replacement programme; it’s a comprehensive initiative aimed at improving the overall energy efficiency of UK homes. While free boilers often grab the headlines, the scheme actually covers a much wider range of measures designed to create a more sustainable and comfortable living environment. Stellarinsulation.co.uk highlights several of these, and it’s worth understanding the full scope. Healthandsafetytraining1st.co.uk Review

Beyond Boilers: A Multi-Measure Approach

The core philosophy of ECO4 is a “whole-house retrofit.” This means energy suppliers are incentivised to provide a combination of measures that collectively bring a property’s Energy Performance Certificate (EPC) rating up to a higher standard (e.g., from E, F, or G to D or C). This integrated approach provides more significant and lasting energy savings than single interventions.

Here are the main home heating and efficiency options typically available under the ECO4 scheme, many of which Stellarinsulation.co.uk mentions:

• Boiler Replacements (A-rated Non-Condensing Boiler Replacement):

  • What it is: Replacing old, inefficient boilers (especially those older than 15 years and operating at 50-60% efficiency) with modern, A-rated condensing boilers (90%+ efficient). This includes switching from non-condensing to condensing models.
  • Impact: Significantly reduces gas consumption and carbon emissions, leading to substantial savings on heating bills. For a typical semi-detached home, this could mean savings of up to £300 a year on energy bills.
  • Why ECO4 covers it: A quick and effective way to improve a home’s primary heating source efficiency.

• First Time Central Heating Grant:

  • What it is: Providing and installing a central heating system in homes that currently lack one. This is common in older properties that rely on electric heaters, storage heaters, or solid fuel fires.
  • Impact: Transforms cold, expensive-to-heat homes into warm, comfortable living spaces, vastly improving quality of life and significantly reducing energy bills.
  • Why ECO4 covers it: Addresses severe fuel poverty where basic modern heating infrastructure is missing.

• Insulation Measures: Insulation is fundamental to preventing heat loss and keeping homes warm. ECO4 heavily supports various types: Galaxyflights.co.uk Review

  • Cavity Wall Insulation:
    • What it is: Filling the gap between the inner and outer walls of a property with insulating material.
    • Impact: Can save up to £285 a year on heating bills for a typical detached house. Reduces heat loss through walls by a significant margin.
    • Why ECO4 covers it: Relatively straightforward to install in suitable homes and offers excellent returns on energy savings.
  • Loft Insulation:
    • What it is: Installing insulating material in the loft space to prevent heat from escaping through the roof.
    • Impact: Can save up to £355 a year for a typical detached house. Up to a quarter of heat can be lost through an uninsulated roof.
    • Why ECO4 covers it: One of the simplest and most cost-effective insulation measures.
  • External Wall Insulation (EWI):
    • What it is: Applying a layer of insulation to the outside of solid wall properties, which are typically harder to insulate than cavity wall homes. A new weatherproof layer is then applied over the insulation.
    • Impact: Can save up to £475 a year for a typical detached house. It drastically reduces heat loss through solid walls.
    • Why ECO4 covers it: Crucial for improving the efficiency of older properties with solid walls, which are often the least energy-efficient.
  • Internal Wall Insulation (IWI): (Less common under ECO4 but sometimes included)
    • What it is: Adding insulation to the inside of external walls.
    • Impact: Similar energy savings to EWI, but installed internally.
    • Why ECO4 covers it: An alternative to EWI when external application is not feasible.

• Renewable Energy Systems: ECO4 encourages a move towards greener heating solutions.

  • Air Source Heat Pumps:
    • What it is: A system that absorbs heat from the outside air and uses it to heat your home and hot water. Even when it’s cold outside, an air source heat pump can extract heat.
    • Impact: Highly efficient, especially when replacing an old electric or fossil fuel system. Significantly reduces carbon emissions.
    • Why ECO4 covers it: Key technology for decarbonising home heating, aligning with net-zero targets.
  • Ground Source Heat Pumps: (Less common but still part of wider renewable scope)
    • What it is: Extracts heat from the ground using buried pipes.
    • Impact: Extremely efficient and reliable, though more complex to install.
    • Why ECO4 covers it: A highly sustainable heating solution.
  • Solar Panels (Solar PV):
    • What it is: Photovoltaic (PV) panels installed on a roof to generate electricity from sunlight.
    • Impact: Reduces reliance on grid electricity, lowers electricity bills, and reduces carbon footprint. A typical 4kWp solar PV system can save approximately 1.2 to 1.6 tonnes of CO2 per year.
    • Why ECO4 covers it: Part of the holistic approach to making homes self-sufficient in energy generation.

Data Point: According to government statistics for ECO3 (the phase before ECO4), insulation measures accounted for the vast majority of installed measures (over 90%), with loft and cavity wall insulation being the most prevalent. ECO4 aims to shift this towards a more balanced mix, including more renewable technologies and comprehensive retrofits.

By encompassing such a wide array of measures, ECO4 aims to address the root causes of energy inefficiency in a systematic way, providing tailored solutions that genuinely improve homes and contribute to the UK’s environmental goals. Companies like Stellarinsulation.co.uk, by offering access to these diverse grants, play a crucial role in the scheme’s widespread adoption.

FAQ

What is Stellarinsulation.co.uk?

Stellarinsulation.co.uk is a UK-based company that facilitates access to government-backed ECO4 scheme grants for eligible households, primarily offering free boiler replacements, as well as insulation services, heat pumps, and solar panel installations.

Is the ECO4 scheme legitimate?

Yes, the ECO4 scheme is a 100% legitimate and government-supported initiative by the UK government, administered by Ofgem, aimed at improving home energy efficiency and reducing fuel poverty. Wafflecompetitions.co.uk Review

How do I know if I qualify for a free boiler grant from Stellarinsulation.co.uk?

You may qualify if you are a homeowner receiving certain income-related benefits (e.g., Universal Credit, Child Tax Credits, Income Support) and have a mains gas boiler older than 15 years, or if you meet criteria under the Local Authority Flexible Eligibility (LA Flex) scheme.

What are the income thresholds for Child Benefit recipients under ECO4?

For Child Benefit recipients, eligibility depends on total household income. For a single parent with 1 child, the threshold is £19,000; for parents in a couple with 1 child, it’s £27,500. Thresholds increase with the number of children.

What is the LA Flex Scheme?

The Local Authority Flexible Eligibility (LA Flex) scheme is part of ECO4, allowing local councils to set their own criteria for households not on traditional benefits but in fuel poverty or deemed vulnerable to cold conditions (e.g., over 65, young children, certain health conditions).

Does Stellarinsulation.co.uk charge for their service?

No, Stellarinsulation.co.uk states that if you qualify for a free boiler grant under the ECO4 scheme, their service comes at no cost to you, as the scheme is government-funded.

What types of insulation are covered under the ECO4 scheme?

The ECO4 scheme covers various insulation types, including cavity wall insulation, loft insulation, and external wall insulation, all aimed at improving a home’s thermal efficiency.

Does Stellarinsulation.co.uk install solar panels or heat pumps?

Yes, Stellarinsulation.co.uk states they are experts in providing solar panels and air source heat pumps to eligible customers under the government’s ECO4 scheme, aligning with the “whole-house retrofit” approach.

How long does it take for installation after grant approval?

Stellarinsulation.co.uk aims for work to begin within 10 days after the survey is complete and the grant funding is approved, promising a relatively quick turnaround.

What if I don’t receive any benefits? Can I still qualify for a grant?

Yes, you may still be eligible under the LA Flex Scheme even if you aren’t claiming any benefits, provided your local authority deems you to be in fuel poverty or vulnerable due to low income and cold living conditions.

Are the installers used by Stellarinsulation.co.uk accredited?

Stellarinsulation.co.uk states that “all new boiler installations are carried out by fully accredited & certified home heating experts,” implying they use qualified professionals.

What is the purpose of the home survey?

The free home survey, conducted by an approved installer, assesses your home’s specific needs, the condition of your existing heating system, and determines the most suitable energy efficiency measures that qualify for the ECO4 grant.

What is the Energy Performance Certificate (EPC) rating and how does ECO4 relate to it?

An EPC rating indicates a property’s energy efficiency. ECO4 primarily targets homes with lower EPC ratings (bands D, E, F, or G) and aims to improve them to higher standards (e.g., E/F to D, G to C) through comprehensive retrofits.

How does ECO4 reduce carbon emissions?

By funding energy efficiency improvements like new boilers and insulation, ECO4 helps homes use less energy for heating, which directly reduces their carbon footprint and contributes to the UK’s net-zero targets.

Can I get a grant for first-time central heating?

Yes, the ECO4 scheme also offers First Time Central Heating Grants for eligible households who currently lack a central heating system in their property.

What are the contact methods for Stellarinsulation.co.uk?

You can contact Stellarinsulation.co.uk via phone (0208 050 4052), email ([email protected]), or WhatsApp (07862614726). They also list a head office address in Ilford, London.

What if my area is not listed on their website?

Stellarinsulation.co.uk states they are expanding their service areas and advise you to still apply online, and they will inform you if they can assist.

How long will the ECO4 scheme run?

The current phase, ECO4, is effective until March 31, 2026, offering a window for eligible households to apply for grants.

How does the ECO4 scheme help with fuel poverty?

By providing free energy efficiency improvements (like new boilers and insulation), ECO4 helps low-income and vulnerable households significantly reduce their energy bills, making it easier for them to afford to heat their homes adequately.

What is the difference between ECO3 and ECO4?

ECO4, running until March 2026, emphasizes a “whole-house retrofit” approach, focusing on improving the least efficient homes (EPC D-G) to higher standards (D or C) with multiple energy efficiency measures, whereas ECO3 had a broader scope and less emphasis on comprehensive retrofits.