Last updated: 02 November 2025

Trace and Access

Trace and Access (T&A) covers the cost of finding and accessing the source of a leak and then making good the access points. It does not usually cover repairing the failed pipe or replacing finishes beyond the access holes unless the policy says so.

When T&A applies

• Hidden leaks under floors, behind walls, or in ceilings.
• Repeated damp patches with no obvious source.

What to expect

• Leak detection using thermal imaging, acoustic tools, or tracer gas.
• Opening up floors/walls to expose the faulty section.
• Making good the access after the leak is fixed.

Limits and tips

Limits vary (£500–£5,000 typical). Ask your insurer to confirm your limit early. Keep photos of each stage, including the exposed leak.