Thanks Babr, I think that did clarify a bit for me actually. So the FCC was issued by Royal before the insurance was approved, but now that I've taken a look at it, it wasn't the full amount of the cruise. Just a small amount, which could have been fees. I'd have to ask the rest of my group what the other emails said. The insurance checks came today and it was for quite a bit more than the FCC, which was only $285.