Insurance fails to pay up.
Oct 1st 2004, 11:34 am
#1
Guest
Posts: n/a
Insurance fails to pay up.
OK I don't know the details but this doesn't sound very nice:
http://www.sky.com/skynews/article/0...153942,00.html
TEENAGER OWES HOSPITAL £30,000
A British teenager stranded in Turkey after a holiday accident will be flown
home by her insurance company - but they are refusing to pay her medical
bills.
Sarah Webster, 18, who fell 30ft from a balcony at her hotel in the resort
of Marmaris, owes the hospital £30,000 after extensive surgery.
She is now being forced to sell her showjumping pony in order to settle the
hospital bill.
Her claim failed to meet the terms of her Post Office travel insurance but
the company has decided to fly her home as an act of compassion.
Sarah, from Cricklade in Wiltshire, had surgery on one of her legs which had
been too swollen to operate on immediately after the fall.
A statement issued by the Post Office said: "We have every sympathy for Ms
Webster's plight, and because of the special circumstances, we have been
looking sympathetically at this case and are keen to help the family.
"As an act of compassion, the Post Office has offered to fly Sarah home when
the medical experts agree that it's safe to do so."
http://www.sky.com/skynews/article/0...153942,00.html
TEENAGER OWES HOSPITAL £30,000
A British teenager stranded in Turkey after a holiday accident will be flown
home by her insurance company - but they are refusing to pay her medical
bills.
Sarah Webster, 18, who fell 30ft from a balcony at her hotel in the resort
of Marmaris, owes the hospital £30,000 after extensive surgery.
She is now being forced to sell her showjumping pony in order to settle the
hospital bill.
Her claim failed to meet the terms of her Post Office travel insurance but
the company has decided to fly her home as an act of compassion.
Sarah, from Cricklade in Wiltshire, had surgery on one of her legs which had
been too swollen to operate on immediately after the fall.
A statement issued by the Post Office said: "We have every sympathy for Ms
Webster's plight, and because of the special circumstances, we have been
looking sympathetically at this case and are keen to help the family.
"As an act of compassion, the Post Office has offered to fly Sarah home when
the medical experts agree that it's safe to do so."
Oct 1st 2004, 11:47 am
#2
Guest
Posts: n/a
Re: Insurance fails to pay up.
Miss L. Toe <[email protected]> wrote:
> OK I don't know the details but this doesn't sound very nice:
> http://www.sky.com/skynews/article/0...153942,00.html
>
> TEENAGER OWES HOSPITAL £30,000
>
>
> A British teenager stranded in Turkey after a holiday accident will be flown
> home by her insurance company - but they are refusing to pay her medical
> bills.
Huh? One news organisation obviously has it wrong, and I don't know
which. The BBC reports that she had no insurance- thinking she'd be
covered by the E-111 form.
http://news.bbc.co.uk/1/hi/england/w...re/3705258.stm
David
--
David Horne- www.davidhorne.net
usenet (at) davidhorne (dot) co (dot) uk
> OK I don't know the details but this doesn't sound very nice:
> http://www.sky.com/skynews/article/0...153942,00.html
>
> TEENAGER OWES HOSPITAL £30,000
>
>
> A British teenager stranded in Turkey after a holiday accident will be flown
> home by her insurance company - but they are refusing to pay her medical
> bills.
Huh? One news organisation obviously has it wrong, and I don't know
which. The BBC reports that she had no insurance- thinking she'd be
covered by the E-111 form.
http://news.bbc.co.uk/1/hi/england/w...re/3705258.stm
David
--
David Horne- www.davidhorne.net
usenet (at) davidhorne (dot) co (dot) uk
Oct 1st 2004, 12:21 pm
#3
Guest
Posts: n/a
Re: Insurance fails to pay up.
"chancellor of the duchy of besses o' th' barn"
<[email protected]> wrote in message
news:1gl07gj.aqgg4rc3lv40N%this_address_is_for_spa [email protected]...
> Miss L. Toe <[email protected]> wrote:
> > OK I don't know the details but this doesn't sound very nice:
> > http://www.sky.com/skynews/article/0...153942,00.html
> >
> > TEENAGER OWES HOSPITAL £30,000
> >
> >
> > A British teenager stranded in Turkey after a holiday accident will be
flown
> > home by her insurance company - but they are refusing to pay her medical
> > bills.
> Huh? One news organisation obviously has it wrong, and I don't know
> which. The BBC reports that she had no insurance- thinking she'd be
> covered by the E-111 form.
> http://news.bbc.co.uk/1/hi/england/w...re/3705258.stm
Which includes the paragraph:
Medics also informed her that even if she had taken out additional cover,
insurance firms would not have paid up because she had been drinking before
her fall.
Sounds to me like the facts might be:
She had a policy.
She had been drinking.
The insurance company refused to pay up.
But, of course, I am speculating.
I wonder how much she drank - Or more importantly how much the insurance
companies let you drink before they deny liability.
Or maybe her parents had a family multi-trip policy some of which, in the
small print, don't cover the children when travelling without their parents.
<[email protected]> wrote in message
news:1gl07gj.aqgg4rc3lv40N%this_address_is_for_spa [email protected]...
> Miss L. Toe <[email protected]> wrote:
> > OK I don't know the details but this doesn't sound very nice:
> > http://www.sky.com/skynews/article/0...153942,00.html
> >
> > TEENAGER OWES HOSPITAL £30,000
> >
> >
> > A British teenager stranded in Turkey after a holiday accident will be
flown
> > home by her insurance company - but they are refusing to pay her medical
> > bills.
> Huh? One news organisation obviously has it wrong, and I don't know
> which. The BBC reports that she had no insurance- thinking she'd be
> covered by the E-111 form.
> http://news.bbc.co.uk/1/hi/england/w...re/3705258.stm
Which includes the paragraph:
Medics also informed her that even if she had taken out additional cover,
insurance firms would not have paid up because she had been drinking before
her fall.
Sounds to me like the facts might be:
She had a policy.
She had been drinking.
The insurance company refused to pay up.
But, of course, I am speculating.
I wonder how much she drank - Or more importantly how much the insurance
companies let you drink before they deny liability.
Or maybe her parents had a family multi-trip policy some of which, in the
small print, don't cover the children when travelling without their parents.
Oct 1st 2004, 8:02 pm
#4
Guest
Posts: n/a
Re: Insurance fails to pay up.
She didn't have any insurance!! She was relying on the cover from E111 and
was too thick to realise that Turkey isn't in the European Union. Hence the
P.O. are the ones commenting on it.
"Miss L. Toe" <[email protected]> wrote in message
news:[email protected]...
> "chancellor of the duchy of besses o' th' barn"
> <[email protected]> wrote in message
> news:1gl07gj.aqgg4rc3lv40N%this_address_is_for_spa [email protected]...
>> Miss L. Toe <[email protected]> wrote:
>> > OK I don't know the details but this doesn't sound very nice:
>> > http://www.sky.com/skynews/article/0...153942,00.html
>> >
>> > TEENAGER OWES HOSPITAL £30,000
>> >
>> >
>> > A British teenager stranded in Turkey after a holiday accident will be
> flown
>> > home by her insurance company - but they are refusing to pay her
>> > medical
>> > bills.
>> Huh? One news organisation obviously has it wrong, and I don't know
>> which. The BBC reports that she had no insurance- thinking she'd be
>> covered by the E-111 form.
>> http://news.bbc.co.uk/1/hi/england/w...re/3705258.stm
> Which includes the paragraph:
> Medics also informed her that even if she had taken out additional cover,
> insurance firms would not have paid up because she had been drinking
> before
> her fall.
> Sounds to me like the facts might be:
> She had a policy.
> She had been drinking.
> The insurance company refused to pay up.
> But, of course, I am speculating.
> I wonder how much she drank - Or more importantly how much the insurance
> companies let you drink before they deny liability.
> Or maybe her parents had a family multi-trip policy some of which, in the
> small print, don't cover the children when travelling without their
> parents.
>
was too thick to realise that Turkey isn't in the European Union. Hence the
P.O. are the ones commenting on it.
"Miss L. Toe" <[email protected]> wrote in message
news:[email protected]...
> "chancellor of the duchy of besses o' th' barn"
> <[email protected]> wrote in message
> news:1gl07gj.aqgg4rc3lv40N%this_address_is_for_spa [email protected]...
>> Miss L. Toe <[email protected]> wrote:
>> > OK I don't know the details but this doesn't sound very nice:
>> > http://www.sky.com/skynews/article/0...153942,00.html
>> >
>> > TEENAGER OWES HOSPITAL £30,000
>> >
>> >
>> > A British teenager stranded in Turkey after a holiday accident will be
> flown
>> > home by her insurance company - but they are refusing to pay her
>> > medical
>> > bills.
>> Huh? One news organisation obviously has it wrong, and I don't know
>> which. The BBC reports that she had no insurance- thinking she'd be
>> covered by the E-111 form.
>> http://news.bbc.co.uk/1/hi/england/w...re/3705258.stm
> Which includes the paragraph:
> Medics also informed her that even if she had taken out additional cover,
> insurance firms would not have paid up because she had been drinking
> before
> her fall.
> Sounds to me like the facts might be:
> She had a policy.
> She had been drinking.
> The insurance company refused to pay up.
> But, of course, I am speculating.
> I wonder how much she drank - Or more importantly how much the insurance
> companies let you drink before they deny liability.
> Or maybe her parents had a family multi-trip policy some of which, in the
> small print, don't cover the children when travelling without their
> parents.
>
Oct 1st 2004, 8:52 pm
#5
Guest
Posts: n/a
Re: Insurance fails to pay up.
In message <[email protected]>, at 08:02:37 on Sat, 2
Oct 2004, ash <[email protected]> remarked:
>She didn't have any insurance!! She was relying on the cover from E111 and
>was too thick to realise that Turkey isn't in the European Union. Hence the
>P.O. are the ones commenting on it.
Not quite.
thisislondon (and sister site thisistravel) state:
Although Miss Webster had not taken out travel insurance, she
did take an E111 form with her, which provides for reciprocal
free emergency treatment in European Union countries. But she
did not realise that Turkey is not yet an EU member.
although BBC have changed their story to:
Her claim failed to meet the terms of her Post Office travel
insurance and she may have to sell her showjumping pony to pay
the bill.
The Scotsman says:
A statement issued by the Post Office said: "Under the Data
Protection Act, we are not at liberty to discuss individual
claims.
But then goes on with:
"However, our underwriters have taken the advice of the medical
team that was on the scene and have been given full access to Ms
Webster's medical records."
It added: "We can confirm that as with all claims made, Ms
Webster's claim has been assessed based on its individual merits
and under the terms and conditions of the contract.
"However, we have every sympathy for Ms Webster's plight, and
because of the special circumstances, we have been looking
sympathetically at this case and are keen to help the family.
"As an act of compassion, the Post Office has offered to fly
Sarah home when the medical experts agree that it's safe to do
so.
And Sky:
A British teenager stranded in Turkey after a holiday accident
will be flown home by her insurance company - but they are
refusing to pay her medical bills.
But there is one story which appears to bind the two versions together,
in yesterday's Scotsman:
Despite stating her destination was Turkey - which is not in the
EU - staff at her local post office issued and stamped the form.
And the Telegraph also has elements of both:
She was in possession of an E111 form, which allows tourists to
benefit from an international agreement to provide free medical
treatment between European Union countries.
Despite stating her destination was Turkey - which is not in the
EU - staff at her local post office issued and stamped the form,
her family said.
However when Miss Webster produced the form at the Ahu Hetman
Hospital in Marmaris, she discovered it was not valid in Turkey.
She was also told insurance firms would not pay because she had
been drinking before the fall.
As did an *earlier* BBC story:
When she produced the form on her arrival at the Ahu Hetman
Hospital in Marmaris, she was told Turkey was not in the EU.
Medics also informed her that even if she had taken out
additional cover, insurance firms would not have paid up because
she had been drinking before her fall.
So, I think what's actually happened is this...
She's gone to the post office and asked for an E111 saying she was going
to Turkey, and the Post Office has issued her with the form - rather
than saying that it wouldn't be valid.
After the fall, the E111 has proven ineffective, and the hospital has
gratuitously chipped in with "but even if you did have insurance they
wouldn't have paid".
She (or the parents) have complained to the post office (who have
delegated it to their travel insurance branch) and who have said "We
can't pay the medical bills but we can fly her home". [ie the "claim" is
that the E111 was erroneously issued, and the "underwriters" are public
liability ones]
The only other possibility is that the Post Office attempts to sell
travel insurance to people asking for an E111, and it was that policy
that was invalid due to the drinking (and subsequently the E111 was
invalid as outside-EU).
[The Post Office Travel Insurance excludes so many things that it's
almost worthless, but the "European" version does cover Turkey, so
that's not an issue.]
--
Roland Perry
Oct 2004, ash <[email protected]> remarked:
>She didn't have any insurance!! She was relying on the cover from E111 and
>was too thick to realise that Turkey isn't in the European Union. Hence the
>P.O. are the ones commenting on it.
Not quite.
thisislondon (and sister site thisistravel) state:
Although Miss Webster had not taken out travel insurance, she
did take an E111 form with her, which provides for reciprocal
free emergency treatment in European Union countries. But she
did not realise that Turkey is not yet an EU member.
although BBC have changed their story to:
Her claim failed to meet the terms of her Post Office travel
insurance and she may have to sell her showjumping pony to pay
the bill.
The Scotsman says:
A statement issued by the Post Office said: "Under the Data
Protection Act, we are not at liberty to discuss individual
claims.
But then goes on with:
"However, our underwriters have taken the advice of the medical
team that was on the scene and have been given full access to Ms
Webster's medical records."
It added: "We can confirm that as with all claims made, Ms
Webster's claim has been assessed based on its individual merits
and under the terms and conditions of the contract.
"However, we have every sympathy for Ms Webster's plight, and
because of the special circumstances, we have been looking
sympathetically at this case and are keen to help the family.
"As an act of compassion, the Post Office has offered to fly
Sarah home when the medical experts agree that it's safe to do
so.
And Sky:
A British teenager stranded in Turkey after a holiday accident
will be flown home by her insurance company - but they are
refusing to pay her medical bills.
But there is one story which appears to bind the two versions together,
in yesterday's Scotsman:
Despite stating her destination was Turkey - which is not in the
EU - staff at her local post office issued and stamped the form.
And the Telegraph also has elements of both:
She was in possession of an E111 form, which allows tourists to
benefit from an international agreement to provide free medical
treatment between European Union countries.
Despite stating her destination was Turkey - which is not in the
EU - staff at her local post office issued and stamped the form,
her family said.
However when Miss Webster produced the form at the Ahu Hetman
Hospital in Marmaris, she discovered it was not valid in Turkey.
She was also told insurance firms would not pay because she had
been drinking before the fall.
As did an *earlier* BBC story:
When she produced the form on her arrival at the Ahu Hetman
Hospital in Marmaris, she was told Turkey was not in the EU.
Medics also informed her that even if she had taken out
additional cover, insurance firms would not have paid up because
she had been drinking before her fall.
So, I think what's actually happened is this...
She's gone to the post office and asked for an E111 saying she was going
to Turkey, and the Post Office has issued her with the form - rather
than saying that it wouldn't be valid.
After the fall, the E111 has proven ineffective, and the hospital has
gratuitously chipped in with "but even if you did have insurance they
wouldn't have paid".
She (or the parents) have complained to the post office (who have
delegated it to their travel insurance branch) and who have said "We
can't pay the medical bills but we can fly her home". [ie the "claim" is
that the E111 was erroneously issued, and the "underwriters" are public
liability ones]
The only other possibility is that the Post Office attempts to sell
travel insurance to people asking for an E111, and it was that policy
that was invalid due to the drinking (and subsequently the E111 was
invalid as outside-EU).
[The Post Office Travel Insurance excludes so many things that it's
almost worthless, but the "European" version does cover Turkey, so
that's not an issue.]
--
Roland Perry
Oct 1st 2004, 11:44 pm
#6
Guest
Posts: n/a
Re: Insurance fails to pay up.
so next time i go on a summer ibizia holiday it dont really matter if i have
insurance or not....... if it get invalidated then i may as well save my £40
and not buy it.
"Miss L. Toe" <[email protected]> wrote in message
news:[email protected]...
> "chancellor of the duchy of besses o' th' barn"
> <[email protected]> wrote in message
> news:1gl07gj.aqgg4rc3lv40N%this_address_is_for_spa [email protected]...
> > Miss L. Toe <[email protected]> wrote:
> >
> > > OK I don't know the details but this doesn't sound very nice:
> > > http://www.sky.com/skynews/article/0...153942,00.html
> > >
> > > TEENAGER OWES HOSPITAL £30,000
> > >
> > >
> > > A British teenager stranded in Turkey after a holiday accident will be
> flown
> > > home by her insurance company - but they are refusing to pay her
medical
> > > bills.
> >
> > Huh? One news organisation obviously has it wrong, and I don't know
> > which. The BBC reports that she had no insurance- thinking she'd be
> > covered by the E-111 form.
> >
> > http://news.bbc.co.uk/1/hi/england/w...re/3705258.stm
> >
> Which includes the paragraph:
> Medics also informed her that even if she had taken out additional cover,
> insurance firms would not have paid up because she had been drinking
before
> her fall.
> Sounds to me like the facts might be:
> She had a policy.
> She had been drinking.
> The insurance company refused to pay up.
> But, of course, I am speculating.
> I wonder how much she drank - Or more importantly how much the insurance
> companies let you drink before they deny liability.
> Or maybe her parents had a family multi-trip policy some of which, in the
> small print, don't cover the children when travelling without their
parents.
insurance or not....... if it get invalidated then i may as well save my £40
and not buy it.
"Miss L. Toe" <[email protected]> wrote in message
news:[email protected]...
> "chancellor of the duchy of besses o' th' barn"
> <[email protected]> wrote in message
> news:1gl07gj.aqgg4rc3lv40N%this_address_is_for_spa [email protected]...
> > Miss L. Toe <[email protected]> wrote:
> >
> > > OK I don't know the details but this doesn't sound very nice:
> > > http://www.sky.com/skynews/article/0...153942,00.html
> > >
> > > TEENAGER OWES HOSPITAL £30,000
> > >
> > >
> > > A British teenager stranded in Turkey after a holiday accident will be
> flown
> > > home by her insurance company - but they are refusing to pay her
medical
> > > bills.
> >
> > Huh? One news organisation obviously has it wrong, and I don't know
> > which. The BBC reports that she had no insurance- thinking she'd be
> > covered by the E-111 form.
> >
> > http://news.bbc.co.uk/1/hi/england/w...re/3705258.stm
> >
> Which includes the paragraph:
> Medics also informed her that even if she had taken out additional cover,
> insurance firms would not have paid up because she had been drinking
before
> her fall.
> Sounds to me like the facts might be:
> She had a policy.
> She had been drinking.
> The insurance company refused to pay up.
> But, of course, I am speculating.
> I wonder how much she drank - Or more importantly how much the insurance
> companies let you drink before they deny liability.
> Or maybe her parents had a family multi-trip policy some of which, in the
> small print, don't cover the children when travelling without their
parents.
Oct 2nd 2004, 1:21 am
#7
Guest
Posts: n/a
Re: Insurance fails to pay up.
On Sat, 2 Oct 2004 09:52:20 +0100, Roland Perry <[email protected]> wrote:
>And the Telegraph also has elements of both:
and it also says her insurance was invalidated because she had been drinking.
-
Lansbury
www.uk-air.net
FAQs for the alt.travel.uk.air newsgroup
>And the Telegraph also has elements of both:
and it also says her insurance was invalidated because she had been drinking.
-
Lansbury
www.uk-air.net
FAQs for the alt.travel.uk.air newsgroup
Oct 2nd 2004, 1:59 am
#8
Guest
Posts: n/a
Re: Insurance fails to pay up.
> so next time i go on a summer ibizia holiday it dont really matter if i have
> insurance or not....... if it get invalidated then i may as well save my £40
> and not buy it.
If you get drunk and then have an accident then yes, most medical
insurance will be invalid. Your travel insurance is still useful in case
you: need to cancel/postpone/return early (due to illness/death of
you/close family member/person you were travelling with), in case you lose
your passport/tickets, in case you are mugged, in case you miss your
flight due to no fault of your own, etc.
Just try not to injure yourself or lose anything while drinking.
Everything else is covered.
Hilary
> insurance or not....... if it get invalidated then i may as well save my £40
> and not buy it.
If you get drunk and then have an accident then yes, most medical
insurance will be invalid. Your travel insurance is still useful in case
you: need to cancel/postpone/return early (due to illness/death of
you/close family member/person you were travelling with), in case you lose
your passport/tickets, in case you are mugged, in case you miss your
flight due to no fault of your own, etc.
Just try not to injure yourself or lose anything while drinking.
Everything else is covered.
Hilary
Oct 2nd 2004, 2:06 am
#9
Guest
Posts: n/a
Re: Insurance fails to pay up.
On Sat, 2 Oct 2004 14:59:44 +0100, Hilary <[email protected]>
wrote:
>> so next time i go on a summer ibizia holiday it dont really matter if i have
>> insurance or not....... if it get invalidated then i may as well save my £40
>> and not buy it.
>If you get drunk and then have an accident then yes, most medical
>insurance will be invalid.
Hertz car hire insurance states explicitly that you are not insured if
driving when drunk
wrote:
>> so next time i go on a summer ibizia holiday it dont really matter if i have
>> insurance or not....... if it get invalidated then i may as well save my £40
>> and not buy it.
>If you get drunk and then have an accident then yes, most medical
>insurance will be invalid.
Hertz car hire insurance states explicitly that you are not insured if
driving when drunk
Oct 2nd 2004, 2:10 am
#10
Guest
Posts: n/a
Re: Insurance fails to pay up.
In message <[email protected]>, at 14:21:16 on
Sat, 2 Oct 2004, Lansbury <[email protected]> remarked:
>>And the Telegraph also has elements of both:
>and it also says her insurance was invalidated because she had been drinking.
What it says is: "She was also told insurance firms would not pay
because she had been drinking before the fall."
Which is certainly at the "she may have had insurance, but it was
invalid" end of the spectrum.
However, why drag the invalid E111 into the equation. Are we supposed to
believe she wouldn't have drunk anything if she didn't think the E111
was there as a safety-net?
But yes, I'm beginning to think that she did have insurance, and it was
made invalid by her actions (although that's not difficult if you read
the T&C).
--
Roland Perry
Sat, 2 Oct 2004, Lansbury <[email protected]> remarked:
>>And the Telegraph also has elements of both:
>and it also says her insurance was invalidated because she had been drinking.
What it says is: "She was also told insurance firms would not pay
because she had been drinking before the fall."
Which is certainly at the "she may have had insurance, but it was
invalid" end of the spectrum.
However, why drag the invalid E111 into the equation. Are we supposed to
believe she wouldn't have drunk anything if she didn't think the E111
was there as a safety-net?
But yes, I'm beginning to think that she did have insurance, and it was
made invalid by her actions (although that's not difficult if you read
the T&C).
--
Roland Perry
Oct 2nd 2004, 2:11 am
#11
Guest
Posts: n/a
Re: Insurance fails to pay up.
In message
<[email protected]>, at
14:59:44 on Sat, 2 Oct 2004, Hilary <[email protected]>
remarked:
>Just try not to injure yourself or lose anything while drinking.
>Everything else is covered.
Except all the things not covered if any of the party has had a serious
illness, ever.
--
Roland Perry
<[email protected]>, at
14:59:44 on Sat, 2 Oct 2004, Hilary <[email protected]>
remarked:
>Just try not to injure yourself or lose anything while drinking.
>Everything else is covered.
Except all the things not covered if any of the party has had a serious
illness, ever.
--
Roland Perry
Oct 2nd 2004, 2:35 am
#12
Guest
Posts: n/a
Re: Insurance fails to pay up.
"Hilary" <[email protected]> wrote in message
news:[email protected]...
>> so next time i go on a summer ibizia holiday it dont really matter if i
have
>> insurance or not....... if it get invalidated then i may as well save my
£40
>> and not buy it.
If you get drunk and then have an accident then yes, most medical
insurance will be invalid. Your travel insurance is still useful in case
you: need to cancel/postpone/return early (due to illness/death of
you/close family member/person you were travelling with), in case you lose
your passport/tickets, in case you are mugged, in case you miss your
flight due to no fault of your own, etc.
Just try not to injure yourself or lose anything while drinking.
Everything else is covered.
Hilary
But in reality most people can afford to cover such losses themselves. It's
like taking insurance cover for your washing machine Its foolish you will
spend more on premiums than you ever recover in claims (unless you are very
very unlucky).
Medical Insurance is (IMO) the only reason to take out travel insurance.
And if you cant have a drink whilst travelling.......
IMO they should specify limits on how much drinking you are allowed to do.
news:[email protected]...
>> so next time i go on a summer ibizia holiday it dont really matter if i
have
>> insurance or not....... if it get invalidated then i may as well save my
£40
>> and not buy it.
If you get drunk and then have an accident then yes, most medical
insurance will be invalid. Your travel insurance is still useful in case
you: need to cancel/postpone/return early (due to illness/death of
you/close family member/person you were travelling with), in case you lose
your passport/tickets, in case you are mugged, in case you miss your
flight due to no fault of your own, etc.
Just try not to injure yourself or lose anything while drinking.
Everything else is covered.
Hilary
But in reality most people can afford to cover such losses themselves. It's
like taking insurance cover for your washing machine Its foolish you will
spend more on premiums than you ever recover in claims (unless you are very
very unlucky).
Medical Insurance is (IMO) the only reason to take out travel insurance.
And if you cant have a drink whilst travelling.......
IMO they should specify limits on how much drinking you are allowed to do.
Oct 2nd 2004, 2:40 am
#13
Guest
Posts: n/a
Re: Insurance fails to pay up.
On Sat, 2 Oct 2004 10:35:12 -0400, "Miss L. Toe"
<[email protected]> wrote:
>"Hilary" <[email protected]> wrote in message
>news:[email protected]...
>>> so next time i go on a summer ibizia holiday it dont really matter if i
>have
>>> insurance or not....... if it get invalidated then i may as well save my
>£40
>>> and not buy it.
>If you get drunk and then have an accident then yes, most medical
>insurance will be invalid. Your travel insurance is still useful in case
>you: need to cancel/postpone/return early (due to illness/death of
>you/close family member/person you were travelling with), in case you lose
>your passport/tickets, in case you are mugged, in case you miss your
>flight due to no fault of your own, etc.
>Just try not to injure yourself or lose anything while drinking.
>Everything else is covered.
>Hilary
>But in reality most people can afford to cover such losses themselves. It's
>like taking insurance cover for your washing machine Its foolish you will
>spend more on premiums than you ever recover in claims (unless you are very
>very unlucky).
>Medical Insurance is (IMO) the only reason to take out travel insurance.
>And if you cant have a drink whilst travelling.......
>IMO they should specify limits on how much drinking you are allowed to do.
The limit is explicit if you injure yourself as a result of drinking
you are not covered.
<[email protected]> wrote:
>"Hilary" <[email protected]> wrote in message
>news:[email protected]...
>>> so next time i go on a summer ibizia holiday it dont really matter if i
>have
>>> insurance or not....... if it get invalidated then i may as well save my
>£40
>>> and not buy it.
>If you get drunk and then have an accident then yes, most medical
>insurance will be invalid. Your travel insurance is still useful in case
>you: need to cancel/postpone/return early (due to illness/death of
>you/close family member/person you were travelling with), in case you lose
>your passport/tickets, in case you are mugged, in case you miss your
>flight due to no fault of your own, etc.
>Just try not to injure yourself or lose anything while drinking.
>Everything else is covered.
>Hilary
>But in reality most people can afford to cover such losses themselves. It's
>like taking insurance cover for your washing machine Its foolish you will
>spend more on premiums than you ever recover in claims (unless you are very
>very unlucky).
>Medical Insurance is (IMO) the only reason to take out travel insurance.
>And if you cant have a drink whilst travelling.......
>IMO they should specify limits on how much drinking you are allowed to do.
The limit is explicit if you injure yourself as a result of drinking
you are not covered.
Oct 2nd 2004, 2:47 am
#14
Guest
Posts: n/a
Re: Insurance fails to pay up.
On Sat, 2 Oct 2004 15:10:29 +0100, Roland Perry <[email protected]> wrote:
>>>And the Telegraph also has elements of both:
>>and it also says her insurance was invalidated because she had been drinking.
>What it says is: "She was also told insurance firms would not pay
>because she had been drinking before the fall."
I quote from my copy of The Telegraph, (2nd of 4 paragraphs)
"Sarah Webster 18 of Cricklade, Wilts, fractured both thighs, her wrists and
skull when she fell from her hotel balcony but invalidated her insurance
because she had been drinking"
-
Lansbury
www.uk-air.net
FAQs for the alt.travel.uk.air newsgroup
>>>And the Telegraph also has elements of both:
>>and it also says her insurance was invalidated because she had been drinking.
>What it says is: "She was also told insurance firms would not pay
>because she had been drinking before the fall."
I quote from my copy of The Telegraph, (2nd of 4 paragraphs)
"Sarah Webster 18 of Cricklade, Wilts, fractured both thighs, her wrists and
skull when she fell from her hotel balcony but invalidated her insurance
because she had been drinking"
-
Lansbury
www.uk-air.net
FAQs for the alt.travel.uk.air newsgroup
Oct 2nd 2004, 3:04 am
#15
Guest
Posts: n/a
Re: Insurance fails to pay up.
[email protected] wrote:
>Hertz car hire insurance states explicitly that you are not insured if
>driving when drunk
Am I to take it, then, that if I am hit by a drunk Hertz customer that
my only recourse is against the driver, who might be impecunious?
--
PB
The return address has been MUNGED
>Hertz car hire insurance states explicitly that you are not insured if
>driving when drunk
Am I to take it, then, that if I am hit by a drunk Hertz customer that
my only recourse is against the driver, who might be impecunious?
--
PB
The return address has been MUNGED
