The Sunday Telegraph - Money & Business - - News And Comment - Après ski Money Tele­graph Amelia Mur­ray

If you’re par­tial to

on the slopes, then first read your in­surer’s small print.

Buried within most poli­cies is an al­co­hol ex­clu­sion clause, and re­search by

found their word­ing can be vague. Most in­sur­ers say they won’t de­cline a claim merely where drinks have been con­sumed. But pol­i­cy­hold­ers who “put them­selves at risk” are likely to be re­jected.

The bur­den of proof is on the in­surer. Ev­i­dence could in­clude a doc­tor’s tox­i­col­ogy re­port, for in­stance. Most don’t state a blood-al­co­hol level, but in­surer Hol­i­daysafe said it would not pay a claim if it was found to ex­ceed 0.19pc – ap­prox­i­mately four pints of beer or four 175ml glasses of wine.

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