How drinking on holiday could invalidate your travel insurance
Drinking while on holiday could risk invalidating your travel insurance.
That’s the warning being issued by Money Saving Expert Martin Lewis this summer.
The financial expert said there are several ways holidaymakers could invalidate their insurance while abroad and it includes having a few drinks.
If you lose something or have an accident, the insurance policy might not cover you if you’ve had a drink or two.
Mr Lewis said: “But how many drinks are too many? The guidelines are hardly helpful, with all insurers having their own interpretations – ranging from the vague “drinking too much” and “alcoholic abuse” to “approximately four pints”.”
Other risks include allowing a stranger to take your phone/camera for a photo and they run off with it.
Leaving valuables behind when going for a dip is also playing with fire for tourists as it’s an invitation for thieves to steal something. Taking it turns to go in the pool might be a wiser option.
Storing valuables in your hotel room is another invitation for valuables to go missing, the Birmingham Mail reports.
Mr Lewis’ website, moneysavingexpert.com, says if something disappears after a cleaner or someone else with access to your room has been there, a potential insurance claim is likely to be rejected.
Using the hotel storage room can also be a problem. That’s because many insurers class leaving your bags anywhere, even if it’s a storage room, as being left unattended.
Delaying your claim can cause issues too. Insurance policies specify that you must do this within 24 to 48 hours.
Holidaymakers are also warned over doing an unknowingly “dangerous” activity which may not be covered by your policy. Restrictions could include jet skiing, scuba diving or riding a motorbike so it’s always best to check what is covered by your policy.
Not following health and safety rules is also an issue. Mr Lewis’ website says: “If you don’t obey, don’t expect the insurer to deal with any claims, eg, not wearing a helmet when skiing.”