I also have a morso, & fitted it myself, (with a Liner), I have had the stove 3 years and it is as good as the day I bought it, not like some i have seen, that have had less use than ours. Morso Stoves are the Dogs Danglies.
A liner is easy enough to fit as long as you don't mind heights, some recomend you tip vermiculite around the gap between the outside of the liner and the chimney, so you get the best draw, I didn't bother and dont know whether the vermiculite helps, but I suspect it will.
There is nothing stopping you installing yourself then getting a HETAS registered installer to test the system for you, It does work out a little cheaper, & you can find all the install regs on the HETAS website, they are easy enough to follow.
They give you details of minimum height of Chimney from the roof & minimum Hearth size requirements etc.
I can well recommend a multifuel, I have not turned the central heating on yet this year, no need as one stove heats the whole house.
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