I think you are misunderstanding how domestic PV installations work, which happened with some people at the beginning of this thread, before the situation was explained clearly to them.
To summarise, there is no such thing as "averaging out". Your meter does not go backwards when feeding power to the grid*; it only goes forwards when taking power from the grid. Therefore, if the immersion heater ever uses power from the grid, it will cost you and you won't get that cost back.
Hence, you need a system which ensures that the immersion heater is never fed more power than the surplus (generation minus consumption). The simplest way to do this is with a relay that switches it on and off (controlled by determining the surplus, not from a timer), but this is sub-optimal because you will never benefit until there is 1kW surplus. Better is proportional control, which will allow you to use whatever surplus is available, even if less than 1kW. Moreover, as you get to keep your current 3kW immersion heater, you can benefit from a surplus of more than 1kW, and you can use it as originally intended if your boiler fails.
By the way, long 1kW elements were also discussed earlier in this thread. They cost more like £80 than £30.
*in a few cases the meter does go backwards, but electricity companies seem to be becoming more aware of this, and when they know you have PV (which they will, because you have to tell them in order to get the FIT), they will replace your meter with one which doesn't.