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Insurers have been criticised for turning down some claims from holidaymakers who had been drinking alcohol before having an accident.

July 19, 2015 2:23 pm

The Financial Ombudsman Service (FOS) said it expected a “high standard of proof” from insurers that the amount consumed made a policy invalid. A rising number of rejected travel insurance claims have been reversed by the ombudsman in recent years. It upheld 53% of complaints last year, up from 42% in 2011. The ombudsman settles disputes when a financial services company and a customer cannot agree. A number of holidaymakers have had their claims turned down by insurers. In one example provided by the ombudsman, an insurer refused to pay a tourist’s medical bills after he fell down some stairs...