Indulging in a glass of wine or two is a part of a relaxing holiday for many. But, in a fresh warning to travellers, the industry watchdog has reminded holidaymakers their insurer may look dimly on indulging too much.
Buried within most travel insurance policies is an alcohol exclusion clause but the wording of each policy differs greatly and can be very vague.
The Financial Ombudsman Service warned travellers this week that excessive drinking could lead to a claim for medical costs being rejected.
Citing the recent case of a man who fell in a nightclub toilet, it also said your insurer should not reject your claim outright on the basis that you had been drinking.
The man in question fell while on holiday and, after experiencing dizzyness and speaking to his insurer, he visited hospital for some medication. His insurer promptly rejected his claim on the grounds he had been drinking.
This decision was overturned by the watchdog and his insurer was ordered to pay the claim plus interest.
However, the ombudsman recently rejected an appeal by a man who fell in his hotel room, as medical records showed “acute alcohol intoxication”.
The ombudsman said: “If someone’s been honest about the fact they’d had a drink, we wouldn’t just assume they’d been drinking to excess – or that their drinking was necessarily the reason for their claim.