§ Mr. EffordTo ask the Chancellor of the Exchequer what assessment he has made of the adequacy of consumer protection in respect of holiday insurance offered by UK firms, with particular reference to the extent of insurance companies' responsibility when they110W assess an accident to be related to an individual's consumption of alcohol; and what representations he has received on this matter. [45713]
§ Mrs. LiddellInsurers' responsibilities in this area are governed by the Association of British Insurers' Code of Practice on the marketing and selling of general insurance and they include assessing whether policyholders' actions or omissions contributed to the claim. It does not appear that the Treasury has received representations about an accident relating to an individual's alcohol consumption.