The National Financial Ombud Scheme has warned motorists that insurance companies will reject their claims if they get involved in a crash while under the influence of alcohol.
It says this is regardless of not being breathalyzed or blood-tested at the scene of the crash. Insurance companies are increasingly using tracking data, bank statements, and witness reports to reject claims on the balance of probabilities.
“So, in the contract that you’ve signed and that you’ve agreed to, you’ve agreed to certain things as the insured. One of them is that you will not drive under the influence of alcohol. So it goes further to, you know, under the influence of alcohol or with your blood limit exceeding the limit. So it’s not only exceeding the limit, but it’s also just a general statement under the influence and that’s what you’ve agreed to. If you drive under the influence, you will not be paid for your claim,” says the scheme’s head Reana Steyn.
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