"Misleading 'Trace and Access' Exclusion Makes Claims Nearly Impossible" My Experience : I purchased D&G's plumbing, drainage and electricity cover believing I had meaningful protection for home emergencies. When I needed to claim for a leaking bathroom tap, I discovered their "trace and access" exclusion effectively makes the policy worthless for most typical household issues. What they tell you: Policy excludes "replacement of tiles or other access materials" What this actually means: You must provide access to pipes/wiring at your own expense, even when they're behind tiles, under floors, or in walls - which is where they normally are in any modern home. Bathroom tap leaking behind tiled wall? You pay for tile removal first, Kitchen pipe issue under fitted units? You pay for dismantling first, Electrical fault behind plasterboard? You pay for wall opening first as all of this is not covered in the insurance purchased. The cost of creating access often exceeds the repair cost, making claims pointless. What I Expected vs. Reality Expected: Emergency cover for common household issues Reality: Cover only applies to easily accessible pipework/wiring (which rarely exists in modern homes) The exclusion isn't clearly explained during sales. A reasonable person would assume "won't replace damaged tiles" means they won't pay if tiles break during repair - not that you must demolish your own property before they'll even attend. I've escalated this to the Financial Ombudsman Service as I believe the policy terms are misleading and unfairly applied.