 Poster: A snowHead
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I challenge anyone to provide an example of a claim being refused due to someone having a beer or mulled wine at lunchtime. But if anastasia or anyone else is going to worry about it then I suggest they stick to coke.
I shall continue to have a pint with my lunch if I feel like it.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
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In one of my previous careers I worked as a scuba diving instructor/resort manager/dive boat captain (15 years and 8,000 dives, so I would like to think that I have some knowledge of sporting and recreaional holidays).
Alcohol will nearly always be present on these situations. On the dive boats a simple rule - one beer at lunch and you could do the PM dive, two beers and you didn't. Appear in the dive shop in the morning stinking of booze - you didn't dive. Moderation in all things. I am smply not going to buy into someone who has a glass of wine or beer at lunch (which on the slopes will most probably be pasta, bread, or a heavy carb meal to boot) being a danger to all concerned. 10 shots of peach schnapps - yes.
Never heard of a dive insurance claim being refused due to alcohol. Known them to be refused due to exceeding your reccommended trained depth limit without an instructor present though.
And yes, I have seen first hand the effects of drink drive and alcohol related incidents, I am an old f***t, before the diving career I was a Police Officer for 8 years.
Each to their own
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You need to Login to know who's really who.
You need to Login to know who's really who.
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skimac, the voice of experienced commonsense! 
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Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
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All things considered, I'll be making sure I've got the best policy I can find that states as long as I'm not intoxicated I will be covered if the worst should happen. Then that should rule out the over zealous suits.
This was the response from one insurance company after asking a general question re. alcohol levels.
Thank you for your email.
We can confirm alcohol is a general exclusion on the policy that you have purchased, if you had a claim and the medical records stated anything related to alcohol this would be declined.
Kind regards
insurewithease.com
Obviously I did not go on to purchase this policy.
Better to be safe than sorry. I'm too long in the tooth now to just bury my head in the sand.
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You'll need to Register first of course.
You'll need to Register first of course.
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the best policy I can find that states as long as I'm not intoxicated I will be covered if the worst should happen
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you're unlikely to find any insurance company willing to tell you exactly what you are looking for.
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Anastasia, frankly, the reply from insurewithease.com is garbage. How can they possibly argue that the mere mention of alcohol on the medical record would classify the person as "under the influence of alcohol". Please read the link that I provided above. Irrespective of what some clerk working for the insurance company tells you, ultimately it is the Insurance Ombudsman who will reject or uphold any complaint that you make (apart from the courts). Again, the link is...
http://www.financial-ombudsman.org.uk/publications/ombudsman-news/29/29-travel.htm#291.
In the example given, the insurer's exclusion clause stated:
"[We will not pay] for claims arising from the influence of intoxicating liquor or of a drug or drugs unless prescribed by a registered medical practitioner."
The insurance ombudsman stated:
"We interpreted the phrase "influence of intoxicating liquor" as indicating a state of drunkenness and/or lack of control over one's actions. It was designed to exclude claims that arose from the insured person being drunk, not from the mere consumption of alcohol."
So providing you are not drunk and are under control of your actions there is no reason why the insurer should have a valid reason for refusing your claim. Furthermore, if you did have an accident after your single mulled wine then it would be absolutely impossible for the insurer to prove that the accident was as a result of your alcohol consumption.
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Thanks for the link Peteman the examples of the two different policies wording just shows how the devil is in the detail. I am awaiting responses from an handful of companies. I await with interest.
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You'll get to see more forums and be part of the best ski club on the net.
You'll get to see more forums and be part of the best ski club on the net.
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Its all BS
One small 0.3l 5% beer is ok for driving . I wouldnt do more but i dont drive or own a car so its not issue for me.
More folk probably lightng a cigaretes &:tuning their radios or controling their kids thsn drink driving accidents.
My advice if your do worried about alcohol,skiing &insurance through your
nutty english insurance companys is get insured through s dutch company.
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stanton,
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My advice if your do worried about alcohol,skiing &insurance through your
nutty english insurance companys is get insured through s dutch company.
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Personally I'll pass on that, thanks all the same. Idiot.
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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| anastasia wrote: |
| Thanks for the link Peteman the examples of the two different policies wording just shows how the devil is in the detail. I am awaiting responses from an handful of companies. I await with interest. |
Can I ask if you'll be keeping off the booze in the evening too? If fall over on a slippery path after you've had a few drinks, an over zealous claims underwriter may decide it was due to your alcohol consumption. After all, some of those icy paths are just as treacherous as the slopes. And watch the mornings after too, if you've had a drink the night before there may be traces of alcohol in your bloodstream the following morning.
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And love to help out and answer questions and of course, read each other's snow reports.
And love to help out and answer questions and of course, read each other's snow reports.
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The Flying Gooseberry,
It would cost you a lot less & you would get paid out.
Idiot
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You know it makes sense.
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...said an expert...
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Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
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I know I sound paranoid, I've been skiing for years and never gave it a second thought, my problem is with the insurance company's wriggling out of a claim as they did in my friends case and I can't pretend that that did'nt happen although not a ski accident but still the same principal.
But thanks guys for your comments and advice.
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Poster: A snowHead
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anastasia, what was the reason they were able to "wriggle out" of your friend's claim.
What would be the wording, ideally, you are looking for from an insurance company?
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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for f*** sake, next thing is I will not be allowed have a drink and walk home to my accom afterwards in case I bump into someone on the way. you cannot possibly compare driving a car weighing approx 2ton going at 100+ k per hr to a person sking. amazed at how many dry arsed bores on SN these days. by the way I have never skied with more than 1 single drink all day long but I certainly will not tut tut anyone having a few over a long days sking.
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Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
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anastasia, you do sound a little paranoid, but perhaps we might understand why if you let us know why your friend had their claim refused.
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FAQ
