While some here seem to judge that I was at fault for not checking deadlines and "rules" the fact remains that at the time of the pandemic no one knew what would happen going forward. NCL may well have extended deadlines but in any case I don't spend my life worrying about things like this. The bottom line here is that we now are available to cruise again, want to use this money for a NCL cruise and they won't let us.
Up till now there had also been other factors. New Zealand people had not been permitted to travel freely until about a year ago. During the pandemic until only recently the government had restricted the return of travellors including citizens meaning you could go out but not come back - yes true!. Apart from this the cost of a cruise is actually the smallest cost, airfares making up a much larger component of the holiday, and until recently the cost of mandatory isolation at a hotel sick or not on return IF you could get an allocation . These issues mean it was and is much more difficult for us to be spontaneous, so cruising on a short term whim is not easy to do.
I expect NCL to do the right thing here, not necessarily the "rules" thing.