When shopping for a new washer, look for a front loading (horizontal-axis) machine. This machine may cost more to buy but uses about a third of the energy and less water than a top-loading machine. With a front loader, you'll also save more on clothes drying, because they remove more water from your clothes during the spin cycle. Look for the Energy Star label.

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.

Rather than cause accidental heat-damage, prevent such damage in the first place:

• Always use a heat protection pad or trivet (with rubber feet) for hot cookware, or leave cookware to cool on the hob first. Never put hot pans, particularly cast iron. Such heat can damage any surface!
• If you must put a hot pan on the base of a sink use a protective sink mat, sponge, or cloth beneath. It is best to leave the utensil to cool slightly first, or put a few inches of cool water in the sink before the pan.
• Avoid pouring boiling liquids directly into sinks without turning on the cold tap as well.