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View Full Version : Insurance for a cruise and stay, recommendations


heatherbelle
04-28-2010, 03:24 PM
Hi

I have never cruised before and I could do with some help over which company to use for travel insurance. Do you have to have specialist insurance and if so who do you guys use?

heatherbelle
04-30-2010, 03:07 PM
Bump, anyone?

wayneg
04-30-2010, 04:31 PM
Upto Easter I thought we were well covered on our Insure & Go policy but they are not paying out 1p for any claims with the Volcano problems. I am due for renewal 19th May so will have to start reading policies soon.
Going to start with the companies that paid people this Easter.

heatherbelle
05-02-2010, 03:04 AM
Upto Easter I thought we were well covered on our Insure & Go policy but they are not paying out 1p for any claims with the Volcano problems. I am due for renewal 19th May so will have to start reading policies soon.
Going to start with the companies that paid people this Easter.

Thanks Wayne, well looks like insure and Go will not get any business then from any of us on here. I will read the volcano threads and work out who did pay out.

WiganTony
05-02-2010, 04:08 PM
When we cruised last Easter, I used one of the compasrison websites to get prices, then contacted them to check that they covered our 4 night cruise (including any expenses involved should we have needed to be taken off the boat whilst at see - fortunately not needed!!).

May be worth checking with any insurance cover you find before making the purchase.

JumpinJ
05-02-2010, 10:30 PM
Ok. Just a quick message (well, maybe not so quick....), I don't know in terms of UK policies, but I deal with sales and customer service for the largest travel insurer in Canada. So having to deal with travel insurance every day my best advice is to have a clear idea of what specific situations you want covered and ensure the policy you are buying is going to cover you for what is important to you.

Most policies are designed to cover the 'average' unexpected situation. The situation with the volcano was not in any way average. Most trip delays are less than 2 days and that's policies cover (at least over here in Canada) in terms of a subsistence allowance if you are delayed.

The policies we sell are about the most comprehensive you can buy in Canada and they only had partial coverage for the volcano situation for many people. Although our company did automatically extend out of country medical coverage for anybody affected by trip delays (even further than the policy required).

I have clients who call and ask for a quote for cancellation/interruption insurance and then they want to know why my quote is so much more than company XYZ. I always tell them to closely look at each policy and compare the coverage. Normally if there is a price difference, there is a difference in the coverage. If the less expensive policy covers them for the situation they are most concerned about, save the money! But if they want the most comprehensive coverage then likely they'll have to pony up more cash for it.

Ok. End of lecture. Sorry!

To sum it up... read all your documents and ask questions before you buy!

:goodvibes

J