Here's the forum you want to be in for Cruise/Travel insurance. Lots of helpful information.
https://boards.cruisecritic.com/forum/499-cruisetravel-insurance/
Welcome to CC. There are forums here for all the cruise lines where you can ask specific line questions. The NCL forum is located at:
https://boards.cruisecritic.com/forum/64-norwegian-cruise-line/
If you click on the "Forums" link at the top left of this page you'll see all the various forums that are available to posters.
Any chance of splurging for another cabin? I'm not sure teenagers will be thrilled in those close quarters for a week with the grandparents and vice-versa. Personally, I wouldn't enjoy that.
Just my .02c
I took your link and posted and it worked fine. When you do it are you getting a message that says "Your link has been automatically embedded. Display as a link instead"
You don't want to click on that message.
Lots of great info on Miami hotels, parking and transportation in the Florida Departures forum. Here's the link for you:
https://boards.cruisecritic.com/forum/386-florida-departures/