Just noticed your heading, 'insulation' makes a big difference, its usually better to include the heading wording in your post, to avoid any confusion.
IMO, the better option would be lay the large ducting, then put in a draw cord or two, you never now what the power demands might be in 5/10 years time.
this option would allow the relevant sized cable to be installed when the time comes.
39ma RCD.
Why use SWA for what will end up (post build) as a internal sub main ?
16mm sq TE is easier to handle, easier to terminate (no banjo / swa armour to earth) and since the route will either be in floor void or sub floor buried in duct I don't see the need for the mech protection that swa affords.
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