Select Insurance are part of IGAS & White Horse Insurance Ireland LTD. They have a clause (19) on their insurance policy stating that if you have any alcohol whatsoever and you have an accident & need to claim whilst still having alcohol consumption in your body your claim is invalid, this was not highlighted to me when purchasing the policy. I was not informed that I was buying a travel insurance policy for a a 'tea-total' person, if so I would not have taken it with them, this happened in Jan 07 and still fighting the claim.