Gaining access to insulate suspended concrete floor

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My house was built in 2007 in an estate on a sloping house. The floor is concrete but there's space under it as you can hear it resonate when you stamp on it. We watched the other houses being built and we know many of them have a full room sized void underneath, but we don't know if we have one that big. I'd like to be able to get underneath it to add some insulation as the floor is always cold and there are draughts coming through I think via the utility holes and the cavity vent bricks.

So first thing I'd do is drill a hole in the garage or under stairs cupboard floor and stick a camera down there. Is drilling say a 10mm hole going to cause cracking or something? What about person-sized access? If I were to have a manhole cut in the floor, would my house collapse? Obviously I'm not going to do it based on the advice of a forum (I'm extremely cautious by nature), I'd probably ask a builder to cut a hole and I"d fit whatever ladders and covers were needed. I'm just wondering if this is a thing. I've googled it and there's plenty of advice about insulating (which is a pretty obvious concept) but there's not much information on gaining access in the first place.
 
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Probably block and beam floor, how many steps up yor your front door will give you an idea of the depth of the floor void.
Drilling a 10mm hole will be OK.
 
Cautious yes. I paid £250k for this house I don't want to destroy it! Can you imagine?

Block and beam makes sense..the garage floor is one piece of concrete so I'd thought the whole floor was. But thinking about it, it would be incredibly hard to pour a suspended concrete floor!
 
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Cautious yes. I paid £250k for this house I don't want to destroy it! Can you imagine?
Nearly anythings possible to DIY, if you have the confidence! :)
I am reminded of this recent thread:
 

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