MAY NOT PAY
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.