In Reply to: So when you hire a driver for the day posted by bankrupt on Friday, 30. March 2012 at 20:20 Bali Time:
If your driver is a licenced tourist guide, (rather than an individual found on the street) and you had hired him specifically to look after your belongings, that may be considered to be different. You would certainly have an argument if a claim was denied. If in doubt, check with your insurer before you leave.