TRACE AND ACCESS COVER

What is trace and access cover

Trace and access cover may be part of your home insurance building policy. This means if damage from a leak appears in your home, you can call in a specialist to find the source and the trace and access costs will be covered, up to the sum you’ve insured and subject to excess. Some insurers pay for the actual repair of the leaking pipes as part of this cover, but not all will.

With Saga buildings insurance, trace and access cover also includes the costs of reinstatement, which means putting back any walls, floor or ceilings that needed to be removed to get the problem fixed.

Does Saga home insurance include trace and access cover?

Trace and access cover is included in Saga Plus policies and will cover up to the sum insured, and for Saga Select policies we will pay up to £5,000.

Within these sums insured, Saga Buildings Insurance covers tracing water leaks or oil leaks in your home and fixing them, even if it’s caused by wear and tear. That's why on our policies, we actually call this feature Trace, Access & Repair - because we don't just find the leak, we also fix it.

If the leaking water or oil has caused further damage to your buildings or contents, you'll also be covered for that damage under the Escape of Water section of your policy, which all Saga policies include as standard.

How can I reduce the risk of water leaks?

Keeping your house maintained and in good condition is all part of the job of being a homeowner. If you want to reduce the chances of a leak causing you a problem in your home, think about taking these steps:

Staying alert to potential issues means you’re less likely to find any nasty surprises – and if you do, you can use your trace and access cover to find a quick solution.