If you have to ask whether you have hard water...
...you probably haven't got it! Those of us who have know all too well.
To paraphrase the line peddaled by many a classic Hotpoint instruction manual: check in your kettle - if it furs up, you have hard water. Mind you, in these modern times of filtered water, this might not be so accurate! If you ever use ordinary soap, does it create scum in the sink or just wash away? Scum = some amount of hardness, not that it takes much at all.
Conventional thinking of the water hardness in the UK would suggest you're far North enough to have soft water.
Going back to an earlier post, water softener is indeed pricey in Britain - at least Calgon is, at a minimum of around 20p per wash (the hard water dose for a normally soiled load using premium powder alone comes out at about 30p v 18p approx for soft water dose as a comparison). Of course, we do have cheaper alternatives based on washing soda - indeed, soda itself is dirt cheap - but in my experience has proved unsuitable for all but the palest of laundry: darks end up with the odd white deposit patch.
Whilst prevention is generally better than cure, one could always descale machines from time to time - be it with cheap and cheerful vinegar or some proprietry product designed for the job. I can't advise with any real authority on the merits of such practises with reference to corrosion hazzards though!
Bye!
Al