An accident on holiday after one too many drinks could leave you with more than a hangover

Posted on 12 Dec 2017

An accident on holiday after one too many drinks could leave you with more than a hangover

New research from Travel Insurance Explained reveals how around three quarters of Brits admit drinking while on holiday, yet more than half (52%) expect to be covered if they injure themselves after having one too many alcoholic drinks, while on a night out abroad.

The study highlights how most (73%) Brits admit to indulging in, on average, seven glasses of beer or wine on a typical night out on holiday - compared to an average of four glasses when on a night out in the UK - yet the majority (76%) admit that they didn’t look at their policy to see what the alcohol restrictions were.

Travel Insurance Explained is warning that, while most people (76%) buy travel insurance, many could be under the illusion that they are covered for an alcohol related injury - when in fact they’re not. More than half (52%) of people surveyed said they would expect to be able to make a successful claim if they fall or have an accident - after a night out drinking.

As millions of holidaymakers head-off on a Christmas or New Year’s break, the leading travel insurance champion is reminding travellers to check their travel insurance policies as the majority will include an alcohol clause. It says that to avoid being left out of pocket should they need to make a claim, travellers need to be aware of what they will and won’t be covered for.

Fiona Macrae, from Travel Insurance Explained, says: “It’s understandable that UK holidaymakers like to drink more alcohol when going on holiday abroad, and while drinking alcohol is fine in moderation, people need to watch how much they drink, particularly in a country they are unfamiliar with, as excessive alcohol consumption can put you in dangerous situations or lead to accidents. It’s important to remember that some policies will not cover you if your blood alcohol level exceeds 0.19% - that’s approximately four pints or four standard glasses of wine, and some are even more restrictive.

 “So, if you’re going away this season, check the alcohol clause on your travel insurance policy and if you are going to be toasting in the New Year with a glass of champagne, make sure you have a policy that will cover you.”



Additional Information:

The research revealed the most popular holidays are:

Definitions that people will find in their policy wording:

All information around alcohol, including: examples of policy wordings for what you are not covered for; alcohol limits on aircrafts; and drinking alcohol in hot weather can be found on the website:

Notes to editors:

  1. Travel Insurance Explained conducted research online between 25 and 30 October 2017 with 2,000 UK consumers who took a holiday abroad in the past two years (source: FWD Research).
  2. Travel Insurance Explained is a campaign that aims to help people understand travel insurance. Travel Insurance Explained a trading name of Travel Insurance Facilities Plc who are authorised and regulated by the Financial Conduct Authority (FRN 306537). This campaign aims to help people understand travel insurance.  By helping customers understand travel insurance better, Travel Insurance Explained gives customers the tools they need to ensure they get the most appropriate policy and understand how travel insurance works in clear and simple English

Our goals are:

Our brand characters, Joe and Ellie, are here to show you what a worst-case scenario might look like and also what to look out for when buying your policy.


Travel Insurance Explained is brought to you by tifgroup, the third largest UK travel insurer.

For further information, please contact:

Georgia Pacquette-Bramble, Account Executive, FWD

Tel: 0207 280 0658; Mob: 07788 150495

Email: [email protected]

Tel: 0203 824 0747

Travel Insurance Explained Press Office:


Email: [email protected]