Holidaymakers planning foreign trips this year have been cautioned that one of the most common holiday pastimes—drinking alcohol—could invalidate their travel insurance. According to insurance experts at Goodtogo, a blood alcohol level exceeding 0.19, roughly equivalent to four pints of beer or four medium glasses of wine, is enough to void many travel insurance policies.
Expert Warning on Alcohol and Insurance
Grant Winter, compliance expert at Goodtogo, stated: “Most travellers would never imagine that enjoying a few drinks on holiday could invalidate their policy, but the reality is that insurers take alcohol impairment very seriously. If alcohol is judged to have contributed to an accident or injury and your level is above the threshold set out in the policy, your claim may be declined. Even policies without a fixed limit refer to serious impairment and use very similar benchmarks.”
Tips for Safe Holiday Drinking
Grant added: “The safest approach is simple. Enjoy your holiday, but keep your consumption moderate and be aware that even one misjudged moment can put your entire policy at risk. This is particularly important if you’re heading away on a sun-filled summer trip, as hot weather can affect you more in the heat. The same is true if you treat yourself to some celebratory drinks before or during your flight, as altitude can increase the effect of alcohol. If you find yourself needing to claim for injury, lost property, or because you were denied boarding due to alcohol consumption, your insurer is likely to deny your claim.”
To avoid potential issues, holidaymakers are advised to be conscious of their alcohol consumption, drink plenty of water to stay hydrated, and avoid alcohol if planning any activities, as even moderate activities can cause problems when impaired by alcohol.
