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