When we went on the QE2 to New York we were not made aware by the travel agent that we would have to pay on board tips for the staff and it would be stopped from our credit card at the end of our trip. We were very shocked at the amount stopped, on all our other cruises previously we had never had this happen. We always now ask if tips are already charged within the holiday price before we book because we prefer to tip as we find and not be told how much we have to pay. It sometimes makes the holiday very expensive when these amounts are added. Most cruise ships have forms that you can collect from the office giving you the choice to have the money stopped on your credit card for tips or you can choose to deal with it yourself.
A good cruise agent would and should be able to tell you but if you want a more permanent reminder I would suggest that you read the information section in the back of Cunard's brochure or on their web site. I am not trying to be evasive but there is so much in the small print and the even larger print that is so useful that no one should book without reading it (as I would suggest with any purchase of size). Regards. .......Neil.