Quirky as it may sound, our experience shows us that this expression may well be applied to Kiwi travellers making a claim for those ‘unexpected events’ while abroad. Whether you’re covered or not by your travel insurance policy may depend entirely on whether the event would reasonably be interpreted as ‘unexpected’.
The interpretation of a ‘unexpected event’ is one that insurers have to deal with daily, and is something that all travellers should also consider before they venture out.
For example, if you’ve had a few beers by the pool in the middle of the afternoon and you slip, fall and break your ankle, we at Southern Cross Travel Insurance would consider that a reasonable ‘unexpected event’ that could happen on a holiday, and of course we would cover you for it.
On the other hand, if you break your ankle after deciding at 3am, when very drunk, that it would be funny to jump off the seawall into the water, not realising it is low tide because it’s dark – well in this case we believe any reasonable person would expect an injury to occur. The fact is it is not unexpected that a person could hurt themselves, so unfortunately we would have to decline your cover.
It is not uncommon for people to think they can be blind drunk at 3am and pass that risk off to their insurer. We accept that people drink and have a good time on holiday...but at Southern Cross Travel Insurance we have a saying: “nothing good happens after midnight!” You wouldn’t believe the number of alcohol-related incidents we hear about that occur in the wee hours, with the even more unbelievable stories conjured up to try to fall within the cover of the insurance policy.
We’re fair and reasonable at claim time and we want to say yes to our customers, but even we have limits. We’ve seen it all when it comes to concocted stories, and we can spot them a mile away. We always apply the ‘reasonable person’ test - would a reasonable person expect that an injury could occur given the circumstances?
Enjoy your holiday, and be careful of those wee hours after midnight!