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Boilers with water tanks: which types have one and why

The tank question is really a hot water question: store it in advance, or heat it the moment you open the tap.

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Hot water cylinder and pipework in an airing cupboard

Two types of boiler work with water tanks: a regular (also called conventional or heat-only) boiler uses a cold water storage tank in the loft plus a hot water cylinder, and a system boiler uses a hot water cylinder but no loft tank. A combi boiler has no tank at all — it heats mains water instantly as you run a tap. Which one suits you comes down to how many people use hot water at once, your mains water flow and whether you have room for a cylinder.

People often say "a boiler with a tank" when they mean one of two very different tanks. The one in the loft stores cold water and feeds the system by gravity; the one in the airing cupboard stores hot water ready to use. Knowing which you have tells you what kind of boiler you already own.

The three boiler types side by side

Regular boilerSystem boilerCombi boiler
Cold water tank in the loftYesNoNo
Hot water cylinderYes (vented)Yes (usually unvented)No
Where hot water pressure comes fromGravity from the loft tankMains pressureMains pressure
Several taps at onceGood, if the cylinder is sized wellGood, if the cylinder is sized wellLimited by the boiler output and mains flow
Space neededMost — loft and airing cupboardAiring cupboardLeast — boiler only
Hot water when the stored supply runs outWait for the cylinder to reheatWait for the cylinder to reheatUnlimited, one or two outlets at a time

Why tanked systems still make sense

Combis are popular because they free up space and never run out of hot water, but they heat water on demand, so they can only supply so many outlets at once. In a home with two bathrooms where people shower at the same time, a stored cylinder can deliver more water to more taps simultaneously.

Low mains flow is the other reason. A combi can only be as good as the water coming into the house. If the flow at the kitchen tap is weak, a system with stored hot water often gives a better result than a combi would.

Regular boilers with loft tanks are common in older homes and suit properties with older pipework that might not cope with full mains pressure. They also keep a gravity supply if the mains is interrupted, for as long as the tank holds water.

How to tell what you have now

A quick look round the house usually settles it.

  • A plastic or galvanised tank in the loft with a ball valve and pipes running down: you have a regular (open-vented) system.
  • A copper cylinder in the airing cupboard with a smaller header tank alongside it in the loft: also a regular system.
  • A cylinder with a pressure vessel and valves on it but nothing in the loft: likely a system boiler with an unvented cylinder.
  • No cylinder and no loft tank, with hot water coming straight from the boiler: a combi.

Changing from a tank system

Can I get rid of the tanks?
Often, by switching to a combi or to a system boiler with an unvented cylinder. Removing the loft tank also removes the risk of it freezing or leaking. The decision depends on hot water demand and the mains flow, which is measured before recommending anything.
Will my old pipes cope with mains pressure?
Older systems were designed for gentle gravity pressure. Moving to mains pressure can expose weak joints, so the pipework is checked as part of planning the change.

Start by opening the loft hatch and the airing cupboard. What you find there tells you which boiler you have, and knowing how your household actually uses hot water tells you whether keeping a tank is still the right answer.

Questions people ask

Does a combi boiler have a water tank?

No. A combi heats cold mains water as it flows through the boiler, so there is no cylinder and no loft tank. That is the main reason people choose one when space is tight.

What is the tank in my loft for?

On a regular system it stores cold water that feeds the hot water cylinder by gravity. A smaller tank beside it, the feed and expansion tank, keeps the heating circuit topped up.

Is a system boiler the same as a boiler with a tank?

A system boiler works with a hot water cylinder but not a loft tank. The heating is sealed and pressurised, and hot water is usually stored in an unvented cylinder fed from the mains.

Which is better for a big family, a tank or a combi?

Where several people use hot water at the same time, stored hot water from a cylinder usually copes better. A combi suits homes where one or two outlets are used at once.

Can I keep my cylinder and just replace the boiler?

Often yes, if the cylinder is in good condition and suits the new boiler. It is checked during the survey rather than assumed.

Not sure which boiler suits your home?

Call 07891 410 960 and we will talk through tank, cylinder and combi options for your house.

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