their prices are just high.you could get a new system fitted and when the installer guarantee runs out,then take up the insurance with gas board.last time i looked it was about 13 pound a month.if you have a pal in the trade then you are sorted,its just getting a gas engineer out on xmas day.i wouldnt like to pay the bill.its something that we dont budget for,like the washer breaking down or the fridge packing in.every pal i know could find me a job when i visited,thats why i leave my tools in the van on friday night,me finished.its a good cop out ..