robodelfy,
Post #12 above will maybe help you understand why its a good idea to leave a gap below a BellCast?
Moisture rising from the ground is known as rising damp and will find its way up in the beds and perps, and sometimes through the brickwork until it meets the stop barrier of the DPC - thats why we have DPC's.
Moisture thats wicked up in the render will bridge or by-pass the DPC.
What your insulation installer was talking about i dont know - for a start good practice for external insulation mostly requires a clean, smooth brickwork background, definitely not a blown (Tyrolean) failing render with uncertain brickwork behind.
Your brickwork (a solid wall probably?) looks like it needs beds and perps hacking out and pointing and all the failing render removed.
Post #12 above will maybe help you understand why its a good idea to leave a gap below a BellCast?
Moisture rising from the ground is known as rising damp and will find its way up in the beds and perps, and sometimes through the brickwork until it meets the stop barrier of the DPC - thats why we have DPC's.
Moisture thats wicked up in the render will bridge or by-pass the DPC.
What your insulation installer was talking about i dont know - for a start good practice for external insulation mostly requires a clean, smooth brickwork background, definitely not a blown (Tyrolean) failing render with uncertain brickwork behind.
Your brickwork (a solid wall probably?) looks like it needs beds and perps hacking out and pointing and all the failing render removed.