Buying this "service deal" can be expensive but if you feel happier knowing that you are protected from breakdown for a few years, shop around insurance brokers to see how prices compare.

If you enjoy washing by hand, no! However modern machines use less water, detergent and power than ever before and wash hotter using really powerful cleaners giving a hygienic wash result. You can save around 500 hours a year so it is worth thinking about. If you have a small kitchen or live alone, choose a slimline model.

You can also maximize the efficiency of appliances you already own through regular maintenance and tune-ups and system upgrades. Examples of some things that you can do are:

• Check air filters in heating and cooling systems monthly during the seasons they are in use and clean and replace them as necessary.
• Clean air vents, baseboards, and radiators regularly and keep them unrestricted by furniture, carpets, or drapes.
• Release trapped air from hot water radiators once or twice a season by opening the valve until nothing but water comes out.
• Follow prescribed maintenance (e.g., maintaining certain water levels in steam heat systems).
• Install an insulating jacket on your hot water heater, insulate hot water pipes, and lower the water heater temperature.
• Clean refrigerator coils yearly and maintain internal temperatures between 36 degrees F (2.2 degrees C) and 38 degrees F (33 degrees C) for the refrigerator compartment and between 0 degrees F (17.8 degrees C) and 5 degrees F (15.0 degrees C) for the freezer compartment.
• Move the refrigerator if it is currently located near the stove or dishwasher.
• Regularly defrost refrigerators that do not have a completely automatic defrost capability to eliminate ice build-up on interior coils.
• Clean dryer filters after each use or as necessary.