I was on holiday, for heaven's sake!

Unless you are teetotal, I imagine most of you, when on holiday like to have a few drinks- probably more than you would have had at home.  I certainly do.  So it comes as a shock to find that some travel insurance policies are starting to appear with clauses that state that if the insured is drunk at the time of the incident giving rise to a claim, they will not pay out.  Of course the problem is - define drunk.  It's obviously aimed at the Magaluf types who get paralytic and then fall over and hurt themselves, but it could just as easily catch out the holiday maker who's had a few glasses of wine and has a completely unrelated accident.  Just to compound the problem, these clauses about drink most often appear in the "small print" so you can be blissfully unaware of them until your claim is refused.  If insurance companies are going to do this sort of thing, then they should be required to highlight it so that any prospective client who accepts the policy does so in the full knowledge that such a restriction applies.