Alcohol is as much a part of a holiday as sunburn, bolshy locals and incompetent hotel cleaning staff. But what many people don't know is that drinking on your holidays can invalidate your travel insurance.
Usually, if you suffer an accident abroad, your insurer will pay the often high medical bills for your treatment, upon receiving the reports from the local doctor. But if the report states that you'd had alcohol prior to the accident, the insurer will refuse to pay out. The allowed limit for alcohol in the case of insurance payouts is extremely low, less than the UK legal driving limit. Even if you weren't actually drunk at the time of the accident, the mere fact that you'd had any would render a claim invalid.
On a relaxing sun-soaked beach holiday the chances of a drink-fuelled accident are slim, but on more vigorous holidays such as a skiing trip, the risks become much higher. Après-ski is a big part of any skiing holiday and alcohol is often consumed in large quantities - making it dangerous to hit the slopes. Indeed, some ski resorts now require you to be breathalysed before donning your ski boots to avoid the possibility of drunken accidents and failed insurance claims.
Insurance for stag and hen weekends, beach parties and the like is also at risk of being invalid due to the inevitable alcohol consumption. Check the clauses in your travel insurance policy for the allowed alcohol limit. Drinking responsibly and sporadically will lessen the chance of a holiday insurance claim being invalid.
0 comments:
Post a Comment