No my answer did not elude the benefits of thermal insulation, Builders Mate. Your answer presumes that people in older houses haven't already insultated their houses and done what is necessary to be comfortable and warm and save energy.
However, if, as I do you live in an old house with thick walls and low ceilings (and with bags of character too) you will realise that HIP's are not relevant. Of course our loft is insultated well, but I afraid cavity wall insultation is just not on if you don't have cavity walls and the thickness of the walls provides excellent insultation, warm in winter, cool in summer. I defy anybody to spend as little as I do on heating a large house and keep it (again as I do) really warm all winter long.
My house is cheaper to run and warmer than those of my friends in newbuilds!! Nobody that chooses to live in our house if we well is going to be in the least interested in a HIP. Our house would not fulfil a great many of the criteria of HIPS. They will buy it because they like it and want an older house with character, and, as I said before, employ a surveyor for a structural sur vey. A televion program I saw about HIPs shows a young man completing a HIP for a young couple. The young man hadn't got any idea about building methods, etc., but one of the questions was 'Do you have energy sa ving light bulbs?'. What a fiasco.
Therefore, HIPS serve no purpose whatsoever in a very large proportion of homes. There are so many types of building in this country, going back for centuries that the scheme just wont work. People are going to continue to buy houses they want to live in as home, not buildings that fulfil criteria that will be changed on a regular basis.