News Article

How taking a selfie could impact your travel insurance

Published 16 July 2016 by

You can no longer scroll through your social media feed without being hit by a selfie or two. This is especially true at this time of year, when your mates are probably sunning themselves by a pool or taking in the sights of a new city.

But did you know that taking a selfie could actually invalidate your travel insurance? It depends on the selfie and your insurer, but it can happen. To make sure it doesn’t happen to you, here’s what to remember when you’re on the hunt for the ultimate holiday selfie.

A step too far

There’s nothing wrong with wanting to catalogue your holiday with a few seasonal snaps. But putting yourself in harm’s way to get the perfect shot could land you in big trouble.

You only have to do a quick search online to find a number of stories of travellers who have gone a step too far for a selfie and suffered the consequences. One Austrian woman had to be rescued from a well after trying to take a selfie in India. The country saw the most reported selfie-related deaths of any country in 2015.

Others weren’t so lucky. A 22-year old from Pakistan died after taking a selfie on the tracks in front of an oncoming train. In Russia, two men were fatally killed after taking a photo while removing the pin from a grenade. This incident along with a spate of others led to the Russian Government issuing a ‘safe selfie’ guide.

You might think that you would never put yourself in danger like this, but it can be harder to think clearly when in unfamiliar surroundings.

Check your travel insurance

It won’t ever be your intention to get hurt while taking a selfie. But if you do, will your travel insurance cover you?

The general consensus is that most selfie-related claims would probably be treated as accidents, but you should always exercise caution when taking a holiday selfie. If you don’t take reasonable care, you could find yourself in a sorry situation.

You only have to look at the story of Todd Fassler to see the potential outcome of taking a dangerous selfie. He was bitten by a rattlesnake when trying to take a selfie and faced a medical bill of £98,000. At the time of the story, it was unknown whether he would have to contribute to his care.

If you’re something of an adrenaline junkie and like your selfies to catalogue this, then it could be worth looking at the details of your travel insurance a little closer. The wording is likely to be similar to some life insurance policies.

Remember though, no matter what your travel insurance covers you for, it’s not worth injuring yourself in pursuit of an extreme selfie – so stay safe!

Going on holiday? Make sure to buy your travel insurance early.

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