Travel Insurance -
Don't drink your travel insurance away
|
Going on holiday and having one too many beers could mean your insurer may refuse to cover you for any accidents. Travel insurance companies in the UK are increasingly losing patience with claims being brought by Britons who have accidents overseas while under the influence of alcohol. If insurers find out about any kind of drinking think could void any subsequent claim made under travel insurance for an accident on holiday. The worst thing being that you do not even have to be drunk for insurers to refuse to cover you.
New reports are suggesting that no travel insurer will honour a claim if an injury is suffered as a result of being under the influence of alcohol. Skiing injuries it seems is a particular danger area, and going to ski after drinking could leave holidaymakers footing their own medical bills. With Britons estimated to drink £4.5 billion worth of holiday on overseas holidays every year, the report is hitting home on a very relevant issue.
Although an insurer has no way of knowing if a claim is because of excessive drinking, if they do find out then the claim can be declared invalid. They could find out, for instance, that you were drinking too much when it is written down on your medical report when the injury in question is being treated. With most travel insurance policies containing a clause rendering a policy invalid in the event of being intoxicated at the time of an accident, travellers would be well advised to keep their drinking levels sensible.
A sensible indication would be being under the UK legal driving limit for example. Holidaymakers who require medical attention but are over the UK drink-drive limit of 80 milligrams of alcohol in 100 millilitres of blood will not be covered.
The best advice is to exercise caution and keep the fun within limits. All insurers are strict about underwriting alcohol in their policy exclusions. They will not cover you for any direct or indirect claim that results from alcohol misuse or being intoxicated under substances not prescribed for treatment by a doctor.
If you are a male, be extra careful-British men are in more danger of making fewer successful claims than women, as they spend over £100 on alcohol on overseas excursions, compared to women at under £70 each.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|