The Financial Ombudsman has just found in favour of someone whose insurance company refused to pay out for a claim on travel insurance on the grounds that the policy holder had been drinking. http://www.bbc.co.uk/news/business-29325740
As a society we have made a decision that alcohol is legal. As a society, we also know that some people are more vulnerable to getting into problems with alcohol than others, and that the reasons for this include a person’s biology, their psychology, their life experiences, and their situtation at any given time. If we continue to sanction alcohol, then we also have a duty to pick up the pieces when it goes wrong for some people, and for the insurance companies not to play their part is simply hypocritical. I wonder how many board members on alcohol companies also have interests in insurance companies, and vice versa.