The cost of locating and gaining access to a leak is only available under a Buildings or Buildings & Contents policy. Depending on the level of cover you have selected, which will be shown in your policy documentation e.g. Buildings, Contents or both, cover is provided for the loss or damage caused as a result of water leaking from things such as heating or drainage installation, washing machine or dishwasher.

We’ll pay for any damage caused by water or oil leaking from your storage tanks, pipes or heating system and water leaking from your drains. We’ll also pay for damage caused by water freezing within any of these. We’ll also pay for damage caused by water leaking from or freezing in your home appliances, fish tank and even your waterbed.

Your policy will also cover you if it has caused damage to the buildings and there is claim accepted under the policy. However, it is possible that a limit will apply and this will be shown in your Insurance Schedule/Statement of Fact.

For more information, please refer to the question 'What is 'Tracing a leak? What does it cover?'.

For full details on what is covered for an escape of water, leaking and freezing water & leaking oil, please refer to your policy documentation.

If you’re ready to make a claim, visit online claims.

Manage a home insurance claim