> Last week Money Box heard from a listener who was surprised to find that her home contents insurance did not cover her for theft by a cleaner. Money Box listeners have told us that insurers seem confused about whether you are covered if carers and home helps steal from you. An insurance expert tells Money Box how you can find out.
(They misuse the word "carer" here, which should only be used about people who provide unpaid care. They mean something like "care worker".)
Because insurance is a hassle? Who wants to go through the process of being righted after being wronged? Getting wronged to be reimbursed is not the business model most renters are seeking when they put up a property on AB&B.
Ok let's say you had a delivery business and have all the insurance necessary. You're saying you're equally likely to use a driver who has a history of careless driving as you would a driver who has a history of driving safely because you're covered by insurance.
I'm claiming people are seeking avoidance. People would rather have the deterrent effect, so that they might avoid the hassles of going through claims and then waiting for things to be righted.
Many home insurance claims in the UK are not paid: http://www.bbc.co.uk/news/business-35401104
There are plenty of cases of people in the UK being robbed by eg cleaners and insurance doesn't pay.
http://www.bbc.co.uk/programmes/b05qvn36
> Last week Money Box heard from a listener who was surprised to find that her home contents insurance did not cover her for theft by a cleaner. Money Box listeners have told us that insurers seem confused about whether you are covered if carers and home helps steal from you. An insurance expert tells Money Box how you can find out.
(They misuse the word "carer" here, which should only be used about people who provide unpaid care. They mean something like "care worker".)