Trace and access claims – outside dwelling but within property boundaries

MIS have declined to settle a claim for one of our customers on a burst pipe because it wasn’t in the dwelling but rather in the ground between the septic tank and the home.

Attached is a list of insurers who will cover it and who won’t.

Trace and access – outside the home but within property boundaries


  • Aviva: not covered – only applies inside the house
  • Allianz: Covered (within property boundary)
  • Axa: will cover the trace and access. Not the repairs. Subject to claims dept. case by case
  • Covercentre: Covered
  • HCL: Covered
  • Kennco: Covered
  • Kidd Insurance: covered
  • MIS: Not Covered
  • Patrona: Covered
  • Prestige: No trace & Access on Primary Policy. Up to €500 on enhanced policy
  • RSA: Covered
  • Wrightway: No definitive answer. Adjustor has to be appointed. Case by case
  • Zurich: Covered