stephen@stoneyard.co.uk Posted February 14, 2020 #1 Share Posted February 14, 2020 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. 2 Link to comment Share on other sites More sharing options...
AndyMichelle Posted February 14, 2020 #2 Share Posted February 14, 2020 Sounds wise Stephen. You seem to have a good deal there. Thank you for advising. Andy Link to comment Share on other sites More sharing options...
HappyGiraffe Posted February 15, 2020 #3 Share Posted February 15, 2020 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. Link to comment Share on other sites More sharing options...
Clodia Posted February 15, 2020 #4 Share Posted February 15, 2020 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" Link to comment Share on other sites More sharing options...
kruzseeka Posted February 15, 2020 #5 Share Posted February 15, 2020 (edited) 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 1 Link to comment Share on other sites More sharing options...
janny444 Posted February 15, 2020 #6 Share Posted February 15, 2020 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. Link to comment Share on other sites More sharing options...
stephen@stoneyard.co.uk Posted February 15, 2020 Author #7 Share Posted February 15, 2020 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. Link to comment Share on other sites More sharing options...
Rare DamianG Posted February 15, 2020 #8 Share Posted February 15, 2020 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 Link to comment Share on other sites More sharing options...
Rare Host Sharon Posted February 15, 2020 #9 Share Posted February 15, 2020 Staysure, Insure & Go and All Clear all offer the same as, I'm sure do many others. Link to comment Share on other sites More sharing options...
HappyGiraffe Posted February 15, 2020 #10 Share Posted February 15, 2020 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! Link to comment Share on other sites More sharing options...
kruzseeka Posted February 15, 2020 #11 Share Posted February 15, 2020 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! 😉 1 Link to comment Share on other sites More sharing options...
stephen@stoneyard.co.uk Posted February 16, 2020 Author #12 Share Posted February 16, 2020 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. 1 Link to comment Share on other sites More sharing options...
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