Cruise Insurance

When you get a quote for a single trip policy you'll be asked if any part of your trip includes a cruise. When you answer 'yes' to this question, cruise cover will be added to your policy.

Cruise cover is automatically included on our annual multi trip policies.

As well as extending your policy to cover your cruise, our cruise cover also provides:
• Cover to rejoin the cruise should you need medical treatment on land
• £150 for each port stop on your itinerary that is cancelled after the trip start date
• A payment of £100 on Essential and £150 on Premier for each 24 hours you are confined to your cabin on the orders of the ship's medical officer (up to a maximum £1,000 on Essential and £1,500 on Premier)
• On our Premier policy, you also have cover up to £1,000 for transport and accommodation to get you back onto the cruise should you miss the scheduled departure of the cruise because a pre-booked excursion is late returning.

Your policy schedule will confirm if cruise cover is included.

Yes. Our annual multi trip cover includes UK cruises as standard.

If you have a single trip travel insurance policy and are going on a cruise, we recommend you take our cruise cover to protect you against the unexpected.  

Find out more about what's covered with our cruise cover above. 

If you're already on holiday and decide to go on a cruise as part of this break, our annual multi-trip policy gives you the peace of mind of knowing that cruise cover is included as standard.
If you have single trip cover, all you need to do is call us on 0330 678 6222 to let us know about your cruise so we can add this to your policy.

Lines open:
8am - 8pm Monday to Friday
9am - 5pm Saturday and Bank Holidays
10am - 4pm Sunday

Calls will be recorded. For Text Phone: dial 18001 first.

If you have cruise cover, the cover limits include the cost of couriering your baggage to your cruise vessel if it has already left the port.

If your baggage is delayed or lost in transit, you should tell the company that is transporting your baggage within 24 hours of discovery and ask them to complete a Property Irregularity Report or provide you with a baggage loss receipt.

If you have chosen to add our baggage cover to your policy and your baggage is delayed for more than 12 hours from when you arrive at your destination, your policy provides cover for the purchase of necessary items: up to £250 on our Essential policy and up to £500 on our Premier policy.

If your baggage is stolen, you should report this to the local police within 24 hours of discovering the theft and obtain a written report. You can claim up to £2,000 on our Essential policy and up to £3,000 on our Premier policy for stolen or lost items. There is a single item limit and total valuables limit of £300 on Essential and £500 on Premier.

If your baggage is lost, you should report the loss to an appropriate person depending on where the loss occurs; for instance, if you lost a ring while in a restaurant, you'd report that to the manager of the restaurant, if you lost a ring while in your accommodation you'd report that to the manager or owner of the accommodation. You must obtain written evidence that you have reported the loss.