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Personal Insurance policy void after drink??

  • 27-09-2014 2:20pm
    #1
    Chevy RV
    Registered Users, Registered Users 2 Posts: 467 ✭✭


    Hello All,


    Could anybody clarify for me if a personal injury policy can be voided by the insurance company who refuse to pay out by saying that as i was out socialising and admitted taking a few drinks , they will not cover an injury i suffered?

    I would welcome any opinions on this matter as i cannot work for 6-8 weeks after the injury.


    Regards,


    Chevy RV


Comments

  • #2
    harr
    Registered Users, Registered Users 2 Posts: 4,494 ✭✭✭harr


    Check the small print of your policy,I took out travel insurance with a group of friends a few years and a member of our group tripped and fractured anckle one morning tried to claim as he had to cut holiday short . Insurance company got the hospital report and because there was alcohol detected in a blood test they refused to pay out,even though it was the night beforehand he had been out.
    Sure enough it was all in the small print about not being covered after drinking.
    Now that was travel insurance not personal.


  • #3
    tenifan
    Closed Accounts Posts: 523 ✭✭✭tenifan


    Read your policy.
    Many policies have exclusions for drugs and alcohol including travel insurance and car insurance.
    That being said, it's up to them to prove you were sufficiently "under the influence" (or whatever wording your policy uses). A letter from your solicitor might make them change their mind.
    The procedure is for you to make a formal complaint to the company (you can use a solicitor or make the complaint directly. , in my experience the solicitor's letter freaks them out). If they don't change their mind, ask for a letter to show they rejected your complaint. Then take your case to the financial services ombudsman.
    Your argument would be that you were not senseless but simply socialising.


  • #4
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    tenifan wrote: »
    That being said, it's up to them to prove you were sufficiently "under the influence" (or whatever wording your policy uses). A letter from your solicitor might make them change their mind.

    I will admit that it is not my field, but if the exclusion is there, it would be up to you to prove drink was not a factor, rather then the insurer to prove it was not. All insurance policies require the claimant to prove their claim


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