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where the actual effect of drugs and / or alcohol has caused and / or contributed toward the claim.

When deciding if using this exclusion is appropriate for the situation, we will consider the nature of the event that caused the claim: if it can be shown that the claim was the direct result of your intoxication, then the above exclusion may apply.

There is no limit to the number of accompanying children, as long as they are your own children or grandchildren.

If you want to wait to answer a post-date email do so.

Those that have too many irons in the fire, often can't.