Posted September 5th, 2012, 08:59 PM
I really hope someone has had some past experience with this. I have purchased independent trip insurance (Travelex), and now have a tour operator requiring a non-refundable deposit. While it seems to be the norm for independent excursions in the British Isles, this is a rather large deposit as it covers hiring a coach for a group of people. I certainly don't plan to cancel for any reason that wouldn't be covered by my trip insurance, but as we all know, things happen. If for any reason our ship does not dock as expected, I will be out a lot of money. I called Travelex and asked if this non-refundable deposit would be covered and they said it would if due to weather or mechanical problems, but I still don't have a 'warm and fuzzy' feeling about this. Has anyone made a claim on their trip insurance for a non-refundable deposit for an independent excursion due to the ship not docking as scheduled? And if so, what was the result? Thanks in advance for any feedback.
Just for clarification, it sounds like you are paying the deposit for a group of people rather than each individual paying their own.
I could see where the insurance company would be willing to reimburse you for your portion, but not reimburse you for the rest of the group. The insurance company is being paid by you to share a risk based on what your cruise costs, not the entire group.
Then again, I could be mistaken. I look forward to hearing from others.