ANY travel insurance does NOT exclude alcohol consumption?

pughpugh

somethingcorporate wrote: »

You cannot get insurance for drink driving.

The issue with drinking is it impairs your ability to act and be rational and or sensible. There is literally no amount of damage a drunk person is not capable of causing so this would be like writing a blank cheque.

ha ha. I should chose my words more carefully!

whatmichaelsays

pughpugh wrote: »

I agree. I thought there might be similar to new learner drivers, ie a high premium specialist insurer, perhaps, but it seems not.

Even a specialist would find it difficult to assess risk if its policies allowed an indetermined level of alcohol. Insurers have no idea how much an individual will drink and how they will handle that drink - not even your son knows that.

And the types of people who would buy such insurance are highly likely to be the sorts of people who would claim for alcohol related incidents, making it next to impossible to pool the risk.

At the end of the day, if he's going to get tanked up, he needs to be aware of the consequences - just like he would in his local town centre.

SuperHan

I'm not a big drinker, but I did go on a girls' holiday when I was a teenager, and a couple of my friends explicitly said that if they hurt themselves on a night out, unless it appeared life threatening we should take them back to the hotel and then to the hospital in the morning when they had sobered up... So if there were any broken legs etc etc that didn't look immediately urgent, then they would go to the hospital sober to not void their insurance


You could suggest that.... ;);)

Parking_Trouble

You don't say where he is going.

Make sure he has an EHIC card with him to get free treatment in EEA countries. It varies depending on country.

It is not the same as travel insurance, so no cover for expensive items like repatriation.

Parking_Trouble

SuperHan wrote: »

I'm not a big drinker, but I did go on a girls' holiday when I was a teenager, and a couple of my friends explicitly said that if they hurt themselves on a night out, unless it appeared life threatening we should take them back to the hotel and then to the hospital in the morning when they had sobered up... So if there were any broken legs etc etc that didn't look immediately urgent, then they would go to the hospital sober to not void their insurance


You could suggest that.... ;);)

I can understand the point but life threatening injuries might be ignored, or masked by the alcohol intake.

Clive_Woody

pughpugh wrote: »

....as his friends are telling him he is fine with his EHIC. Well that's fine for NHS style treatment, but if you need, eg, repatriating for whatever reason, then you are stuffed. Seems there isn't a solution to cover him.

As you state, EHIC provides cover for treatment but should not be considered adequate in place of proper travel insurance. Worst case they can pick up cheap cover and try not to do anything too stupid while drunk.