Planning on traveling overseas soon? Well, better think twice before making a claim to an insurance company for an accident that took place while under the influence of drugs or alcohol. Apparently, travel insurers say that they are going to get “tough” on holidaymakers who travel overseas and try to claim an accident while under the influence of either alcohol or drugs.
The British Insurance Brokers’ Association has taken a look at 20 of Britain’s most widely-held travel insurance policies. Malcolm Tarling, from the Association of British Insurers, said it is a standard exclusion on most travel insurance policies that claims may be invalidated if medical treatment is need as a result of excess alcohol consumption or drug abuse. This is a clause that simply gets overlooked too often, but it will all stop now.
Insurance companies say that they do not expect people to avoid alcohol when on holiday, but they will not cover any claims that arise because someone was abusing alcohol. This is a substance that affects judgment and can lead to serious problems. These problems could have been avoided if the traveler would have used better judgment.
Of course, insurance companies also hope that this will help deter people from getting behind the wheel after drinking. Some are under the impression, when they travel overseas, that they are covered by their insurance companies and, thus, are more willing to drink and drive. If this coverage is stripped away, insurance companies may be able to cut down on the number of accidents Brits get into in foreign countries.