Cruise Insurance Current Situation

[stephen@stoneyard.co.uk]

I have never had specific cruise insurance as I had not felt I needed it. My general travel insurance covers medical expenses, luggage etc on a cruise.  Howether we have decided to go for a cruise insurance upgrade because of the current situation. 
 

This will pay £150 per person for a missed port. It will also pay £150 per person per day for confident to your cabin ordered by the ships doctor. This is a little bit more than the amount I payed for my cabin so I will not be worse off financially if this happens. There is no excess on these claims too.
 

It has only cost me £14 for the remainder of my policy which incidentally covers all my cruises for the year. 

If anybody is interested my insurance is provided through my bank account with Nationwide Building Society which I know is quite popular here. 

 

Best wishes, Stephen. 

[AndyMichelle]

Sounds wise Stephen. 

You seem to have a good deal there. 

Thank you for advising. 

Andy 

[HappyGiraffe]

Thanks Stephen, that's on my list of things to look into over the weekend so good to know it shouldn't cost too much extra! I think this is the first year that Nationwide have offered the cruise upgrade.

[Clodia]

If you don't have bank account related insurance then Insure and Go offers a similar deal; cost me about £13 on top of basic policy. Ask them to add "Cruise cover"

[kruzseeka]

7 hours ago, HappyGiraffe said:

Thanks Stephen, that's on my list of things to look into over the weekend so good to know it shouldn't cost too much extra! I think this is the first year that Nationwide have offered the cruise upgrade.

 

As I understand it, the cost is £40 but it was only introduced from 1st November last year so it seems they have been prepared to charge for the appropriate period remaining on the policy.  That's good!   We had to cancel a cruise so I haven't yet upgraded, but will do so when we renew which is due before our next cruise. 

Thanks for the reminder Stephen - it's excellent value imo (especially if it's a joint account it covers both of you) but i suspect they will be paying out rather more than they anticipated given the current situation.  Perhaps there will be a higher premium next year!  

Edited February 15, 2020 by kruzseeka

[janny444]

15 hours ago, stephen@stoneyard.co.uk said:

I have never had specific cruise insurance as I had not felt I needed it. My general travel insurance covers medical expenses, luggage etc on a cruise.  Howether we have decided to go for a cruise insurance upgrade because of the current situation. 
 

This will pay £150 per person for a missed port. It will also pay £150 per person per day for confident to your cabin ordered by the ships doctor. This is a little bit more than the amount I payed for my cabin so I will not be worse off financially if this happens. There is no excess on these claims too.
 

It has only cost me £14 for the remainder of my policy which incidentally covers all my cruises for the year. 

If anybody is interested my insurance is provided through my bank account with Nationwide Building Society which I know is quite popular here. 

 

Best wishes, Stephen. 

Many thanks for the info....we have insurance with Nationwide and knew it covered cruises but didn't realise that you could upgrade the cruise section. In the current circumstances it is well worth it ...£40 for the year or pro rata  for cover for remaining months of annual policy.

[stephen@stoneyard.co.uk]

21 minutes ago, kruzseeka said:

 

As I understand it, the cost is £40 but it was only introduced from 1st November last year so it seems they have been prepared to charge for the appropriate period remaining on the policy.  That's good!   We had to cancel a cruise so I haven't yet upgraded, but will do so when we renew which is due before our next cruise. 

Thanks for the reminder Stephen - it's excellent value imo (especially if it's a joint account it covers both of you) but i suspect they will be paying out rather more than they anticipated given the current situation.  Perhaps there will be a higher premium next year!  

I did wonder what the premium will be next year. I thought I would get insured before any increase. After June I have no cruises for nearly a year and then only a short cruise so I will probably not renew if the premiums go up.

 

Best wishes, Stephen. 

[DamianG]

15 hours ago, stephen@stoneyard.co.uk said:

I have never had specific cruise insurance as I had not felt I needed it. My general travel insurance covers medical expenses, luggage etc on a cruise.  Howether we have decided to go for a cruise insurance upgrade because of the current situation. 
 

This will pay £150 per person for a missed port. It will also pay £150 per person per day for confident to your cabin ordered by the ships doctor. This is a little bit more than the amount I payed for my cabin so I will not be worse off financially if this happens. There is no excess on these claims too.
 

It has only cost me £14 for the remainder of my policy which incidentally covers all my cruises for the year. 

If anybody is interested my insurance is provided through my bank account with Nationwide Building Society which I know is quite popular here. 

 

Best wishes, Stephen. 

 

Thanks Stephen, we're with Nationwide too and it hadn't occurred to me to upgrade but I will now.

Cheers

Damian

[Host Sharon]

Staysure, Insure & Go and All Clear all offer the same as, I'm sure do many others.

[HappyGiraffe]

6 hours ago, kruzseeka said:

 

As I understand it, the cost is £40 but it was only introduced from 1st November last year so it seems they have been prepared to charge for the appropriate period remaining on the policy.  That's good!   

Very conveniently, our annual policy renews the day after we disembark and we sail quite soon, so it's only £5.26 for us! 

[kruzseeka]

36 minutes ago, HappyGiraffe said:

Very conveniently, our annual policy renews the day after we disembark and we sail quite soon, so it's only £5.26 for us! 

 

👍👍 Enjoy, and hopefully you won't need to make a claim! 😉

[stephen@stoneyard.co.uk]

19 hours ago, HappyGiraffe said:

Very conveniently, our annual policy renews the day after we disembark and we sail quite soon, so it's only £5.26 for us! 

That worked out well.

 

Best wishes, Stephen.