Unfortunately boarding the loft has two impacts, often the amount of insulation is reduced but also it tends to be compressed underneath the boards, which if it is the lower cost glass fibre type reduces the efficiency. There are a couple of ways to fix this, unboarding and adding the insulation back is one way, the current recommendation is at least 230mm IIRC of glass fibre roll.
The second way is to change the insulation type, PIR board has a much better insulation factor than the regular insulation (about twice as effective for a given depth) so cut and fit it between the joists and then fill any gaps with expanding foam and reboard the loft. That's not cheap though depending on the size of the loft, a 12'x6' board will set you back at least £50.
Our loft is badly insulated, a lot of the insulation was put down poorly and doesn't cover evenly and in a lot of places is heaped up in the corner, there are also board piled up in various locations as well as polystyrene boards in random spots as well. One of my jobs for next year is to lift all the insulation, put fresh insulation down the centre and then board it over properly and then to put PIR between the roof timbers as a second insulation layer. It won't be quite as effective as a mount of thick insulation above the ceiling but it will give some usable loft space which we don't at present have and improve the thermals a bit.
We have quite a few PIR boards left over from when we insulated the walls upstairs before moving in, so it's a relatively low cost option for us as we already have some of the materials.
I’m not lifting the flooring ! I’ll just insulate down the sides ( double up what’s there ) that aren’t covered by board .