Downlights, cables and loft hatches after ECO4 loft insulation: a UK household checklist (2026)

Guide by ApplyFreeBoiler.uk (Reliant Energy Solutions Ltd), a heating and insulation installer in Bury, Greater Manchester. We are not the government, Ofgem or an energy supplier.

Loft insulation is one of the most common measures under ECO4. Thick insulation is good for keeping heat in, but it also covers things in the loft that you may later need to find or that need space around them, such as recessed downlights, cables and junction boxes. This checklist is general information from ApplyFreeBoiler.uk, a heating and insulation installer in Bury, and does not replace advice from a qualified electrician or the installer.

1. Ask how downlights were treated

Recessed downlights in the ceiling below the loft can get hot, especially older halogen types. Ask the installer how insulation was laid around them, for example whether covers or clearances were used, and keep a note with your paperwork.

2. Consider LED replacements with an electrician

If you have older halogen downlights, ask a qualified electrician whether LED fittings rated for contact with insulation would suit your ceiling. Do not swap fittings yourself unless you are competent to do so.

3. Leave cables lying on top where possible

Electrical cables buried under deep insulation can run warmer. Where cables were moved during the install, they are often laid on top of the insulation. Avoid pushing them back underneath when you are in the loft.

4. Know where junction boxes are

Junction boxes and other connections should stay accessible. If you are not sure where they are, ask the installer whether they were marked or left visible.

5. Insulate and draught-proof the loft hatch

A loft hatch with no insulation or seal can let a lot of warm air escape. Ask whether hatch insulation and a draught seal were part of the work, and close the hatch firmly after use.

6. Take care when you go into the loft

Insulation can hide the joists, so only step on boarded areas or joists and never on the plasterboard between them. Wear gloves and a dust mask if you need to move insulation, and put it back evenly afterwards.

7. Report anything that worries you

A burning smell, scorch marks near fittings, or lights that flicker or trip the circuit after the install should be checked by a qualified electrician. Contact the installer too so they know about it.

8. Check funding and local figures

See ECO measures by council on ApplyFreeBoiler.uk, built from DESNZ Household Energy Efficiency statistics, to see how many ECO measures have been installed in your local authority area. Use the ApplyFreeBoiler.uk eligibility check to see whether an ECO4 heating or insulation pathway may be available for your home in England, Scotland or Wales. ECO4 is due to close on 31 December 2026.