ANY travel insurance that does NOT exclude alcohol consumption?

photome

http://www.pjhayman.com/


PJ Hayman is slightly more liberal. Its policy says: "We do not expect you to avoid alcohol on your trips or holidays but we will not cover any claims arising because you have drunk so much alcohol that your judgment is seriously affected."


its a 2 year old article so they may not be so liberal anymore

photome

association of british insurers says this


• Medical costs arising from injuries sustained due to the insured
requiring medical attention as a result of consuming alcohol or illegal
drugs, behaving irresponsibly or taking unnecessary risks. You are on
holiday so drinking a reasonable amount of alcohol is not excluded.

pughpugh

photome wrote: »

association of british insurers says this


• Medical costs arising from injuries sustained due to the insured
requiring medical attention as a result of consuming alcohol or illegal
drugs, behaving irresponsibly or taking unnecessary risks. You are on
holiday so drinking a reasonable amount of alcohol is not excluded.

Thank you.


Yes I agree its all about 'reasonable'. I was hoping there might be specialist insurance (like new drivers).


Thanks for the cut and paste's. Appreciated.

zagfles

photome wrote: »

http://www.pjhayman.com/


PJ Hayman is slightly more liberal. Its policy says: "We do not expect you to avoid alcohol on your trips or holidays but we will not cover any claims arising because you have drunk so much alcohol that your judgment is seriously affected."


its a 2 year old article so they may not be so liberal anymore

ISTR my Nationwide policy (Flex Plus) says something very similar.

But a lot of travel insurance has a complete exclusion of being "under the influence of alcohol", so taken literally only a teetotaller should consider such insurance (as you're "under the influence" to some extent after half a pint).

zagfles

pughpugh wrote: »

Thanks for this info NeedAHoliday. Very useful info. Your son was lucky he didn't need repatriating, as E111 (Ehic) doesn't cover that. Which is why, I guess, we all need appropriate insurance.

Yes make sure he has the EHIC, and use the offical site which doesn't charge you, there are some rip-off ones which charge.

Unless he's going somewhere with poor medical facilities or the middle of nowhere, he's unlikely to "need" repatriating, he could usually recover in the local hospital till he can travel home by normal means. Obviously there are some sorts of injuries (eg being permanently disabled) which this wouldn't apply to.

Heliflyguy

I would make sure you son is clear on what his insurance will cover when riding a motorcycle if he intends to rent one while on holiday as so many people do.

I have yet to read an insurance policy that covers quad bikes in its basic cover and from what I read they seem to be quite popular too.

pughpugh

Heliflyguy wrote: »

I would make sure you son is clear on what his insurance will cover when riding a motorcycle if he intends to rent one while on holiday as so many people do.

I have yet to read an insurance policy that covers quad bikes in its basic cover and from what I read they seem to be quite popular too.

Thanks for this. We have insisted he understands you need extra insurance for this and have talked about accidents whilst doing this sort of thing. Apparently he is not going to do this at all - but thanks for the heads up - always appreciated.

Wammer

You can get quad bikes and other hazardous activities added to regular travel insurance for a premium.

Voyager2002

mgdavid wrote: »

if he has consumed to the point of still being compus mentis and can still behave in a way that does not make anyone think that he's had too much then he'll be fine. If he's out of his skull and has some sort of accident I cannot imagine any insurance cover being valid. Does he understand this - have you discussed the way insurance works with him?

Can you point to any insurance policies that actually say something like this?

mgdavid

Voyager2002 wrote: »

Can you point to any insurance policies that actually say something like this?

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