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I appreciate things are upside down at the moment but wonder if anyone has any advice regarding 2022 World Cruise Insurance which will cover the cost of cruise cancellation of £28,000. Cover not required for covid 19. 

Thanks

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Generally speaking you will need world-wide cruise insurance including USA and Caribbean.  The main points to look at is the number of consecutive days on one trip limit and the single trip cost limit which might be imposed by the insurance company.  Most insurers do not issue insurance cover further ahead than twelve months so if you book eighteen months ahead you will be at risk for six months without cover.    You need to consider the financial risk at each stage i.e. on the day of booking you are likely to be liable to pay a cancellation fee equivalent to the deposit amount which might be 10% of fare.  Risk on these figures could be as much as £2,800.  This amount increases the nearer you get to sail date quite often 50%, 75% and 100% at different dates approaching sail date. So it is important to get the cancellation penalty timescale and levels of liability off the cruise line and conversely be aware of the limits on the insurance to be able to make a claim relevant to your cruise should a claim be necessary. This should mean you choose a suitable company and policy.

 

Regards John

Edited by john watson
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Don't forget to check your home insurance. Many policies have a limit of 30 or 60 days that you can be away from the home, or your insurance is invalid...unless you pay them a bit extra of course!😁 A world cruise is normally around 90 days.

 

Simon

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Have you checked your bank/building society? My wife has a Nationwide account and gets free European travel insurance. To upgrade to world and add me on to the policy costs £36!!!

 

Simon

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3 hours ago, Port out said:

Thank you for your thoughts, can anyone suggest or recommend an insurer that will provide World Cruise cover. 

 

We're booked to go on Arcadia's worldie next year.  We used Staysure for travel insurance.  However, their max payout for cancellation is £5k.  You have to upgrade to the 100 day trip policy (we took out annual cover) and specify that you require cruise cover.

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23 hours ago, Son of Anarchy said:

We're booked to go on Arcadia's worldie next year.  We used Staysure for travel insurance.  However, their max payout for cancellation is £5k.  You have to upgrade to the 100 day trip policy (we took out annual cover) and specify that you require cruise cover.

Sorry, do you mean that upgrading to the 100 day policy gives you a larger cancellation cover, or do you mean that whatever you have with Staysure you only have cancellation cover for £5000. If only £5000 cover then, for a world cruise, you stand to lose a great deal if you have to cancel after paying the balance.

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Yes but have you asked if they will cover cancellation for Covid - the answer is no, because I asked them.  So if you are planning on spending a great deal of money and then you get this virus, you will not be covered for cancellation.

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13 minutes ago, daveoc said:

Sorry, do you mean that upgrading to the 100 day policy gives you a larger cancellation cover, or do you mean that whatever you have with Staysure you only have cancellation cover for £5000. If only £5000 cover then, for a world cruise, you stand to lose a great deal if you have to cancel after paying the balance.

It's a max £5k for cancellation even on the 100 day cover unfortunately.  As Jean says, no cover for cancellation due to Covid anyway, and if we had to cancel for any other reason, that would be such a major reason that that would outweigh the money side of things.  

 

House insurance is another issue.  Our current insurer won't provide cover if the house is unoccupied for 40 days so we're hunting around.  Or get family/friends to house sit for a bit.

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On 7/3/2020 at 6:01 PM, Port out said:

I appreciate things are upside down at the moment but wonder if anyone has any advice regarding 2022 World Cruise Insurance which will cover the cost of cruise cancellation of £28,000. Cover not required for covid 19. 

Thanks

Hi

We covered for £30k cancellation costs for this years Arcadia cruise. The cover was an additional fee with the insurers. We also took out cover for missed ports and cover for 100 days away. We also had a additional fee for pre existing medical conditions.  The basic World wide Insurance was from our Nationwide Flex plus bank account which costs £13 per month. It also includes car and caravan recovery throughout Europe and mobile phone insurance. Our total outlay for insurance was £500 Plus the £13 per month fee for the account. Total cost £656. We claimed the missed ports and received £300 for each one we missed on the cruise. The insurance is easy to arrange, good value in our opinion and excellent customer service. Our age is under 70 which I believe reduces the excess somewhat.

 

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On 7/5/2020 at 11:52 AM, Son of Anarchy said:

 

House insurance is another issue.  Our current insurer won't provide cover if the house is unoccupied for 40 days so we're hunting around.  Or get family/friends to house sit for a bit.

Your house insurer may not be happy about family/friends house sitting either, so I would refer to them before you make any arrangements.

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