The below cover only applies if you have purchased our cruise add-on:
Q: Am I covered if I miss my cruise departure or if the ship skips a scheduled port?
A: Yes. If you have purchased the Cruise Cover add-on, you are protected against transit delays and altered itineraries under the following rules:
1. Failing to Join Your Cruise (Missed Departure)
If you fail to arrive at your initial departure point in time to board your ship due to public transport failures, road accidents, severe weather, mechanical breakdowns, or a strike, the policy will pay for reasonable additional accommodation (room-only) and public transport costs (economy-only) to help you travel to the next available port to re-join your cruise. (Note: This protection strictly excludes any transport disruptions caused by war, civil war, or terrorism).
2. Skipped Port Visits and Payout Limits
Port Cancellation Benefit: If a scheduled port visit on your official itinerary is completely cancelled due to adverse weather or strict port timetable restrictions, and the cruise line offers no alternative port, you are eligible to claim a fixed cash benefit for each skipped port.
How Payouts Are Calculated: Payouts are calculated strictly per individual port missed (for example, £25 per port) and are not paid out as a lump sum for the whole cruise.
Multiple Cruises on One Trip: If you take multiple cruises back-to-back during a single holiday abroad, our policy limits apply to the overall trip as a whole, not to each individual cruise. Only one maximum cancellation or missed port limit per person can be considered for that entire trip away from the UK.
3. Unplanned Ship Diversions
If your cruise is forced to divert to a country outside your selected policy area due to bad weather or an emergency, you will remain covered under your existing insurance, provided that you strictly stay on the ship and do not disembark in that non-covered country.
Please note: All cover is subject to the policy terms, conditions, exclusions, and any applicable excess. Full details can be found in the policy wording.