Can I （人命などを）奪う，主張する on my home 保険 if a cleaner, plumber or 配達／演説／出産 driver steals something after I let them in?

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I am thinking about using the 配達／演説／出産 service from Waitrose where I don't need to be home but can just leave the driver a 重要な.?

It sounds like a brilliant idea and will really save me a lot of time and hassle.?

I 信用 Waitrose and all their 配達／演説／出産 people have been fantastic in my experience, but I'm not sure whether I need to tell my home 保険会社 that I'm doing this??

For that 事柄, would I need to tell my 保険会社 if I have a cleaner who has a 重要な and lets herself in while I'm not there? What if I have workmen, such as a painter, plumber or 建設業者 there?

What if something were to go 行方不明の or get broken and I needed to make a （人命などを）奪う，主張する??

Would my 政策 still be valid????

Give someone 許可 to enter your home and it could 複雑にする an 保険 （人命などを）奪う，主張する?

Will Kirkman, of This is Money, replies: Last month Waitrose began trialling a service where 配達／演説／出産 drivers let themselves into 顧客s' homes to 配達する groceries while they're out.

The service?許すs a 顧客 with a Yale smart lock to 始める，決める a 一時的な 接近 code, which is sent to Waitrose.?Drivers can then let themselves in to unpack food into the 顧客's fridge and leave other groceries on kitchen work 最高の，を越すs.

All the while, the driver is wearing a chest-camera, the ビデオ from which can be watched by the homeowner the next day.

But what if the camera goes off, and something goes wrong? Or worse, 行方不明の? would the fact that you've given the 配達／演説／出産 driver 許可 to enter your home 無効にする your contents 保険 if something is 損失d or stolen?

And what about if the same thing happens if you've let a cleaner, plumber or 建設業者 into your house?

We asked some 専門家s what your 保険 company would do if you made a （人命などを）奪う，主張する in this grey area.

Dr Matthew Connell, of the 借り切る／憲章d 保険 学校／設ける, said:?When a （人命などを）奪う，主張する is made, 保険 companies need to be 確信して that a 窃盗 has 現実に taken place, and that someone isn't making a 誤った （人命などを）奪う，主張する.

Dr Matt Connell, director of 政策 at the CII

This is 比較して 平易な to 設立する when there is 調印する of a break-in and the 罪，犯罪 has been 報告（する）／憶測d to the police, but where there is no break-in 保険会社s have no physical 証拠 of a 窃盗.?

This is even more of an 問題／発行する when cash or other 価値のあるs that are easily 交流d have been taken, because it is very difficult to 設立する what 存在するd in the 所有物／資産／財産 in the first place.

As a result, most home 保険 政策s do not cover 窃盗 by people who are in the 所有物／資産／財産 without 存在 監督するd, such as tenants or 国内の staff.?

The same approach goes for people who have 接近 to your home when you are out.?

That doesn't mean you have to be looking over their shoulder the whole time anyone comes into the house to do some work, but you should make sure you have 価値のあるs 安全な・保証するd in a 安全な place, and not lying around.

For example, in the 事例／患者 of the Waitrose 配達／演説／出産 drivers who are 許すd into people's homes, those drivers have to wear a chest camera that is 効果的に 監視するing what they do.??

If something is 損失d or stolen, the chances of your （人命などを）奪う，主張する 存在 successful will be 増加するd if you have taken some 対策 to 保護する yourself ? for example, by 安全な・保証するing the 価値のあるs or items that could be 損失d.?

Again, it's a good idea to ask your 保険会社 before you leave your home unattended, as 保険会社s will often look at a （人命などを）奪う，主張する on a 事例／患者-by-事例／患者 basis.

You might not be able to （人命などを）奪う，主張する if something is da maged or stolen by someone you gave 重要なs to?

Brian Brown, of 財政上の services 研究 会社／堅い Defaqto, said: I 本人自身で can see lots of 可能性のある 問題／発行するs with the Waitrose example. What's to stop the driver letting an 共犯者 into the 所有物／資産／財産 - chest cameras only show a 今後 見解（をとる）.?

What if the driver doesn't の近くに the door 適切に??What if the driver 選ぶs up a 重要な from inside the house which is later used to commit a 押し込み強盗?

Defaqto's 長，率いる of insight Brian Brown

If something is 損失d or stolen by the 配達／演説／出産 driver or an 共犯者 I would 推定する／予想する Waitrose to be liable, and the home 保険会社 would 推定する／予想する them to 選ぶ up the tab.??

I can 予知する 問題／発行するs with 論争s between your contents 保険会社 and the deliverer's 保険会社 over 義務／負債 for some （人命などを）奪う，主張するs.?

保険会社s will not 普通は ask about 正規の／正選手 or 時折の staff, such as cleaners, visiting your home, and you're ありそうもない to need to tell them.?

However, if you leave people unattended for long periods, such as a plumber or 建設業者, then you are taking a 危険 ? the 保険会社 might not 支払う／賃金 （人命などを）奪う，主張するs if you didn't take basic 安全 警戒s, such as 存在 in the house while they were there.?

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