And one more for the road?

Drinking is an inherent part of British culture, but the many health problems that can be caused by binge drinking and alcoholism are only just being taken seriously, especially by the general public. Matt Warner examines the impact this has on PMI providers and policies

The British have a long-established drinking culture. While the Europeans developed a cafe culture based around coffee and pastries, the British chose to socialise in pubs. Our liking for beer by the pint, often bought in rounds, has encouraged the idea of the 'session', where drinking is largely the point of the exercise.

However, it would be wrong to think of the UK as the highest consumers of alcohol in Europe - that accolade goes to France. It is the way we drink that is beginning to have