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The ideal – if unlikely – scenario is that you selfinsure

The ideal – if unlikely – scenario is that you self-insure until the day before your boiler breaks down, then buy cover just in time yet if you're not nostradamus, you can play the odds by self-insuring during the early years of your boiler's life – when it's least likely to go kaput – then after three years or so, bite the bullet and take out insurance. Blocked drains and pipes can be a nightmare, so trust us to get you back on track an emergency with your drains can.

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