This study evaluated the durability of three innovative multilayer insulation systems incorporating thermal mortars with EPS aggregates and silica aerogel granules after hygrothermal accelerated aging and one year of natural aging at an urban site in Portugal. The loss of performance was assessed after the accelerated aging and every three months of natural aging using non-destructive testing. Chemical-morphological analyses were also carried out prior to and after accelerated and natural aging. Results obtained after accelerated and natural aging were compared, thus contributing towards a deeper understanding of possible synergistic effects of several degradation agents and mechanisms on the long-term durability of multilayer insulation systems. The Coffin-Manson equation showed that the accelerated aging procedure (∼13 days of heat/rain cycles and 5 days of heat/cold cycles) adopted herein corresponds to approximately 11 years of natural aging in typical urban conditions. The results show a significant increase in capillary water absorption and drying capacity after aging. Extensive surface microcracking was observed after accelerated aging and after 3 months of natural aging, especially in the systems facing North. Traces of biological growth were detected on both the artificially and naturally aged systems, whereas aesthetic alterations were more pronounced in North-oriented specimens after 3 months of exposure, with significantly lower surface gloss and a darker tone. On the other hand, color change cannot be detected in the artificially aged systems (ΔElab* < 2), due to the lack of degradation agents such as pollutants or UV radiation that were not included in the accelerated aging procedure. •The durability of multilayer insulation systems was assessed after accelerated and natural aging.•The accelerated aging procedure corresponds to ∼11 years of natural aging in typical urban conditions.•A significant increase in capillary water absorption was registered after aging.•Traces of biological growth were detected after accelerated and natural aging.•Degradation agents identified in long-term field exposure should be considered in optimized accelerated aging procedures.