I'm thinking of using the Waitrose delivery service, where I do not need to be home, but I can simply leave a key to the driver.
It seems like a brilliant idea and it will really save me time and effort.
I trust Waitrose and all their delivery workers have been fantastic in my experience, but I'm not sure I have to tell my home insurer that I'm doing this?
After all, should I tell my insurer if I have a cleaner who has a key and lets himself in while I'm away? And if I had workers, like a painter, a plumber or a builder?
What if something were to be lost or broken and I needed to make a claim?
Would my policy still be valid?
Give someone permission to enter your home and could complicate a claim for compensation
Will Kirkman, of This is Money, replies: Last month, Waitrose began experimenting with a service in which delivery drivers move into customers' homes to deliver the goods while they are out.
The service allows a customer with a Yale smart lock to set up a temporary access code, which is sent to Waitrose. Drivers can then be transported to unpack the food in the customer's refrigerator and leave the other groceries on the kitchen counter tops.
All the time, the driver wears a chest camera, whose video can be watched by the landlord the next day.
But what if the camera turns off and something goes wrong? Or worse, missing? the fact that you have given permission to the driver of the delivery to enter your home invalidates the contents insurance if something is damaged or stolen?
What if the same thing happened if you left a cleaner, a plumber or a builder in your house?
We asked some experts what your insurance company would have done if you had made a claim in this gray area.
The dott. Matthew Connell, of the Chartered Insurance Institute, said: When a claim is filed, insurance companies must be certain that a theft has actually occurred and that someone is not making a false request.
Dr Matt Connell, director of politics at the CII
This is relatively easy to establish when there is a signal of irruption and the crime has been reported to the police, but where there are no intruders insurers do not have physical evidence of a theft.
This is even more of a problem when they have been taken in cash or other valuables that are easily traded, because it is very difficult to establish what existed in the property in the first place.
As a result, most home insurance policies do not cover theft by people in the property without being monitored, such as tenants or domestic staff.
What do insurers say?
A spokesperson for LV = stated: "In this case, the insurance of the contents of a client's house would not be invalidated.
"They have taken reasonable care using a reputable company with appropriate security measures".
A spokesman for Axa said: "If your policy includes accidental buildings and damage to contents, the contents are covered by damage caused by domestic staff, builders, you and your family, provided your home is not vacated beyond the number maximum number of consecutive days outlined in the policy.
"However, because each case is different, Axa always considers each request on an individual basis."
The same approach applies to people who have access to your home when you're out.
That does not mean you have to look over their shoulders for as long as someone comes into the house to do some work, but you have to make sure you have valuables stored in a safe place, and not around.
For example, in the case of Waitrose delivery drivers authorized in people's homes, these drivers must wear a chest camera that is effectively monitoring what they do.
If something is damaged or stolen, the chances of your complaint being successful will be increased if you have taken steps to protect yourself, for example by securing valuable items or items that may be damaged.
Again, it is a good idea to ask your insurer before leaving your home unattended, as insurers often look for a complaint on a case-by-case basis.
You may not be able to claim if something was damaged or stolen by someone you gave the keys to
Brian Brown, from the financial services company Defaqto, said: Personally I can see many potential problems with the example of Waitrose. What is needed to stop the driver by letting an accomplice into the property: the cameras on the chest only show a forward view.
What happens if the driver does not close the door correctly? What happens if the driver takes a key from inside the house that is then used to commit a theft?
The head of Defaqto's vision, Brian Brown
If something is damaged or stolen by the courier or an accomplice, I would expect Waitrose to be responsible and the local insurer would expect them to withdraw the bill.
I can foresee problems with disputes between your content insurer and the courier insurer regarding the liability for certain requests.
Insurers usually do not ask for regular or occasional staff, such as cleaners, who visit the house and hardly need to tell them.
However, if you leave people unattended for long periods, such as a plumber or a builder, then you are running a risk: the insurer may not pay claims if you have not taken the basic safety precautions, like staying indoors while They were there.