Anderson - Answered a Question by Anderson (18 Sep 08 23:31)

Thank you for your replies,i was hoping someone could shed some light on why insurance companies restrict their liability to £5000pp surely they could could come up with a more realistic premium than the £1250 i was quoted by a cruise line to insure £16000 for what is a maximum of 12 weeks (time from final payment to sailaway? Twelve month comprehensive car insurance for 61year old male and 59year old female on £14000 car £175!

- Was this comment useful or 0 of 0 found this useful
Comment | Report
Tim Eyre - replied to Anderson (19 Sep 08 10:58)

Hi Mr/Mrs Anderson. For my sins, I am an insurance broker by trade. Firstly, I'm sure that you realise that comparing the cost of motor insurance to the cost of travel insurance is like comparing the cost of a new TV set to the cost of a new pair of trousers. Anyway, yours is a question that I have been searching for an answer to for a long while now. As many posts have pointed out, the cruise companies have no problem in providing insurance and interestingly enough their insurance products are provided by "standard" insurers such as Axa, Norwich Union, Royal & Sun Alliance etc., However, when I have approached them to acquire an agency to be able to sell their products I am quoted the standard limits (generally £5000 as you have pointed out) rather than the extended cover they provide to the cruise lines. I can only conclude at this point that this is an "arrangement" between the lines and the insurers which allows them to maximise their income. Happily, (now that I've got that off my chest!) there is an insurer that offers cover specifically for cruise holidays who provide £10,000 cancellation cover PER PERSON (up to the age of 70yrs - £8,000 PP for over 70's) and I'm sure their charge will fall below your original quotation. If you want to give them a try, visit their website at Hope this helps. Best Wishes, Tim.

- Was this comment useful or 0 of 0 found this useful
Comment | Report
Anderson - replied to Tim Eyre (19 Sep 08 16:22)

Thanks Tim for your helpful response,you have said what i have been thinking and if true reflects what has been happening in the financial markets this week! Regards Keith Anderson.

- Was this comment useful or 0 of 0 found this useful
Comment | Report
Miller - Answered a Question by Anderson (18 Sep 08 16:07)

It can prove difficult so you will have to shop around. It must be possible as there are a large number of people do the whole world cruise and I assume they are covered for cancellation. Oddly enough, most insurers are quite happy to extend the number of days you have cover but not the cost. i wish you luck. It took me ages but I am afraid my insurers ask that the arrangement I made was confidential.

- Was this comment useful or 0 of 0 found this useful
Comment | Report
Okill - Answered a Question by Anderson (18 Sep 08 17:19)

The alternative option is to use the cruise companies insurance, depends how badly you feel about the risks.

- Was this comment useful or 0 of 0 found this useful
Comment | Report
Neil Down - Answered a Question by Anderson (18 Sep 08 19:45)

Unless you are really well off I wouldn't ever recommend that you go uninsured. You can use the cruiselines own insurance or..... search. Your best bet is to look for annual, that is 12 months, insurance and negotiate terms. You should be insured from at least the time that your full payment becomes due, before that you just stand to loose your deposit. It can be done otherwise cruise lines couldn't offer the facilities they do but so much depends on your age, health and amount of cover needed. Regards .... Neil.

- Was this comment useful or 0 of 0 found this useful
Comment | Report

Daily Top 10 Deals

  • EXCLUSIVE – Bruges, Paris & Amsterdam

    MSC Cruises – MSC Magnifica - 8 Oct 18 - 7nts

    Southampton : Paris (Le Havre) : Bruges ( Zeebrugge) : Amsterdam : Hamburg : Southampton

    Now from £449pp Was £799pp

    • New Low Price
    • Exclusive Free Wifi Package Worth £35pp

    View More Exclusive MSC Cruises From Southampton


    Royal Caribbean - Symphony of the Seas - 21 Apr 18 - 7nts

    Barcelona : Palma De Mallorca : Provence (Marseille) : Florence/Pisa (La Spezia) : Rome (Civitavecchia) : Naples : Barcelona

    Now from £1099pp Oceanview

    • Includes Flights & Transfers from London Gatwick
    • Up To $400pc Free Onboard Spend
    • Also Available Apr to Nov 2018
    • Plus Book With for...
    • Free Airport Parking, or Free Wi-Fi Package, or Free Fast Track Security Pass

    View All Symphony of the Seas Offers & Information >>

  • School Holidays No Fly with Exclusive On Board Spend!

    Princess Cruises - Crown Princess - 22 Jul 17 - 7nts

    Southampton : Stavanger (Norway) : Olden (Norway) : Hellesylt (Norway) : Geiranger (Norway) : Bergen (Norway) : Southampton

    Now from £799pp Was £1119pp

    • Exclusive $50pc On Board Spend
    • Free Port Parking On The Highest Grade of Balconies & Above 

    View More Top 10 Princess Cruises >>

Show More Deals

Newest Topics

Bacardi Factory, San Juan

celebrity, Barnet -

Mother's Day. are you being treated!

cornish girl, falmouth -

A rather large crane.....

Lawnmowerman, Tain -

Remember Clocks Go Forward Tonight

annie, Glasgow -

The Q&A Section and Sarcasm

Bradbury, Coventry -


Hot Topics


Shanon, -

Could You Blog?

carol, welwyn garden city -

Itineraries Drive Cruise Selection

Malcolm, Essex -

The Q&A Section and Sarcasm

Bradbury, Coventry -

P & O Prices!

Gill, Hampshire -

View More From The Forum
Kerry James's blog

Why should you have to pay mor...

By Kerry James

So in this weeks news, Royal Caribbean announced that starting from the 27th March. they would now be introducing a room service charge (aka known as a convenience fee) of $7.95 for items ordered from their new premium room service menu which also includes an American Breakfast. However if you order from the continental breakfast menu you don’t have to pay the charge.Other new items on the room service menu include an upgraded items such as a Royal Wagyu Burger, a classic Philly cheese...

Read More

Mar 20 2017 08:00:42:000AM

Riviera Drinks Packages & S...

By Jill Johnson

Jill Johnson's blog

I along with a lot of people like to enjoy myself when on holiday and fab news (I think ) for all of their 2018 cruises with Riviera they will be offering drinks packages and cleverly planned too. With most River Cruise Lines drinks are included with Lunch & Dinner as standard, if you are a drinker or not and include Wine, Beer & Soft Drinks. However often my clients will tell me they dont drink or one of the party drinks and the other one doesn’t so this is false econom...

Read More

Mar 22 2017 07:27:57:000AM

P&O Cruises Announce Strict...

By Sam Smith

Sam Smith's blog

Last summer it was announced by P&O Cruises that the popular Strictly Come Dancing themed cruises would be continued in 2017, well for all you ‘Strictly’ fans, the wait is over, the ‘Strictly Stars’ have been announced!Craig Revel Horwood will once again be in charge, passing judgment on the dancers who will all be hoping to hear his famous catchphrase: “Three words: Fab-u-lous!”.2016 winner Ore Oduba will join Ventura in April for cruise N711 where he ...

Read More

Mar 23 2017 10:20:32:000AM

Why Talk To A Consultant

  • Benefit From Their First Hand Experiences

  • Your Own Personal Consultant From Start To Finish

  • A More Personal Service Than Booking Online

  • Alternative Cruise Suggestions

  • They Have Access To All The Latest Deals

  • Essential Advice On Cabin Selections

  • Advice On Shore Excursions And Extras

  • They Can Tailor The Cruise To Your Needs

You can contact one of our consultants by calling:

0800 408 6228