To do a proper survey the contractors are supposed to poke a boroscope into the cavities to see what condition they are in and if there are any problems ( wall ties bridged with fallen mortar etc.) another problem with retro-fit insulation is if it blocks airbricks and stops ventilation to under the floors, that is when dry and wet rot start attacking the wood. The contractors who came around by us certainly never looked in the cavity first and their hard sell tactics were completely wrong, they suggested that the builders who constructed our houses were guilty of not insulating the cavities when they build the houses ( wrong, they did it to the standards of the time - built 20 years ago and they fitted polystyrene boards about 30mm thick into the cavity, which still left room for airflow - I do not know where the blown insulation would have gone and it would undoubtedly have blocked the airbricks ). I know what is already in our cavities because when we had the extension built they had to disturb existing walls. As I said having checked the inside wall temperature and finding such an insignificant ( 0.2 degC ) difference between a north facing original wall and a south facing wall with 75mm of carefully installed rockwool battens I am very happy that the cowboy retro-fit blown insulation was completely unnecessary and potentially very harmful.
I have seen programs where people have gone to extreme lengths to reduce heat loss, including fitting massive thick expanded polystyrene boards over all windows and doors at night ( don't know where they keep them in the daytime), filling the loft with fibreglass and insulating the rafters and lining walls with insulation inside and on outer walls ( apparently insulation cladding on the outside of walls is by far the most effective).
The best and by far tha most cost-effective thing most people could do to reduce heating bills is to get a dehumidifier with humistat set to about 50 to 55% to keep the walls dry, this increases the insulation value of the walls and makes the whole house more comfortable, and because the walls are dry the heating also does not have to supply extra heat to evaporate the damp in walls every time it comes on. The dehumidifier passes the 180watts or so that it takes to run the motor back into the room as heat and also gains heat due to reclaiming the heat it initially took to evaporate the water back and this warms the air it blows back into room ( this is the same mechanism that boosts the efficiency of a gas condensing boiler when it is in condensing mode, by about 15 to 20%). A dehumidifier is also the cheapest way of drying washing indoors.
EBAC make some very good models, and made in UK
( County Durham). Our first Ebac lasted over 10 years, still worked but got a bit noisy, our second one ( 180watt 20 litres a day - 3850e ) is about 5 years old and no problems. After the initial drying of the house when you first run a dehumidifier ( when it may remove 6 or 7 litres a day for first week ) it will hardly run after - ours is in smart mode and probably runs max 4 hours a day and removes about 0.5 to 1 litre a day except when drying washing