Travel insurance

[Meg 50]

we have just booked a trip for September 2025 - not a cruise ( shock horror), but the insurance company won't let us insure until 12 month before. So our deposit is at risk.

Is there a way round it?


Annual cover might have been, but we've already covered next year's cruise as a single trip and anyway annual would probably be far too expensive considering the number of abroad trips we are likely to make in a year ( we never bother if staying in the UK)

[screwy]

I might be wrong, I sometimes am, but my understanding is that if you had insurance in place when you booked the trip then that insurance covers your deposit. I’m sure someone will correct me if I’m mistaken. I’ve got broad shoulders,I can take it.

[david63]

I am guessing that you are looking at online insurance as they all have the 12 month limit.

You can try going through a broker as they can give you insurance more than 12 moths out but probably at a cost. Another option, if available, is to cancel your single trip and take out annual insurance otherwise you will just have to take the hit should you need to cancel.

[david63]

I might be wrong, I sometimes am, but my understanding is that if you had insurance in place when you booked the trip then that insurance covers your deposit. I’m sure someone will correct me if I’m mistaken. I’ve got broad shoulders,I can take it.

I think that only applies where you have continuous annual cover. Basically you have to have the cover in place at the time of the claim.

[Manoverboard]

My experience with Saga Insurance was that our deposit was covered because our lapsed policy was in place at the time of placing the booking. At the end of the day Barclaycard paid cos the Cruise Line had gone tits up. Other Insurers may be different of course ....

[towny44]

That's an interesting dilemma for passengers who usually take out single trip policies, especially as the cruise lines make it clear that you need insurance, and yet are willing to sell you holidays which are not due for over 12 months.
I wonder whether holiday extras, Carnivals preferred insurer, are prepared to provide cover for holidays more than 12 months out?

[david63]

I wonder whether holiday extras, Carnivals preferred insurer, are prepared to provide cover for holidays more than 12 months out?

And if they did would you be able to afford it/be prepared to pay their rates?

It really comes down to how much the deposit is and whether loosing that is less than the cost of the insurance.

[Ray B]

That's an interesting dilemma for passengers who usually take out single trip policies, especially as the cruise lines make it clear that you need insurance, and yet are willing to sell you holidays which are not due for over 12 months.
I wonder whether holiday extras, Carnivals preferred insurer, are prepared to provide cover for holidays more than 12 months out?

I think the cruise companies saying you need insurance in place in for the actual time on a cruise, the lack of insurance at the time of booking ,only means you gamble your deposit should you have to cancel.

[sparkscruise]

Had a similar hiccup once. What worked for me was checking with different insurers directly, some are more flexible with dates than others. Also, some travel agencies offer cancellation protection that kicks in right after booking. Might be worth exploring those options.