A leading home insurance expert has warned homeowners to beware of the winter blues and the effect it could have on your policy.

Appliances that have not been in service for months are suddenly awoken from their slumber without being given a prior check to ensure they are safe. Such appliances as boilers, which need regular servicing if left inactive for a period of time.

Darren Black, head of home insurance, comments: "Dusty electric heaters, roaring fires and boilers which haven't been turned on for most of the summer heighten the risk of claiming on your home insurance, during the winter.’’

In related news, Prudential have revealed that their home insurance policies has included within its term and conditions, free boiler repair, a must coming up to another harsh winter.

According to recent findings from British Gas, a boiler breaks down every 20 seconds in the UK, something which the average British home owner could well do without. The average cost of a repair reaches a whopping £185.

Such is the concern, Prudential feel it is necessary to point out the specifics on their insurance cover. The details include a home emergency plan which covers call out charges, labour parts and materials up to an impressive £250. All relating to the central heating of an average home.