Article comprising a substrate having a first major surface, wherein the major surface has an emissivity not greater than 0.2 and an exposed hardcoat on the first major surface, the hardcoat comprising binder, wherein the hardcoat has a thickness less than 200 nanometers and has a scratch rating of not greater than 1 as determined by the Linear Abrasion Test in the Examples. Articles described herein are useful, for example, for sun control window films having insulative properties. Such films are applied on the interior or exterior surfaces of automotive windows or building fenestrations