this has been discussed before, you should find most of what you want to know here, you must now fit a liner the correct size for the fire/poele/foyer/insert. the insurance would refuse to pay if anything happened and you would be personally liable if someone was hurt. if the link won't work paste it into your browser. http://www.completefrance.com/cs/forums/1/1148350/ShowPost.aspx#1148350