Posted March 23rd, 2012, 11:27 PM
question for Cruiseco or Sirwired
In the OP's situation though, if 1 person were to cancel out of a 3 person cabin/booking,, wouldn't
A) Insurance would only reimburse at the 3rd person rate
B) Charge any additional monies to the remaining 2 to ensure full payment on a double occupancy cabin
Just asking for clarification.
A third-party insurer will pay the person's loss, whatever it is. They really don't care about 1st, 2nd or 3rd person.
For example, say there's three in the cabin with the .following cost breakdown:
When the booking was made, however, all three decided to split the cost of the cabin equally -- each putting in $900
As long as the person cancelling the trip can provide to the insurer proof of payment for the $900 (credit card statements or cancelled checks) he/she is fine.
The cruise line's insurance is way different. No matter who cancels, it's always that third person fare that's taken off the booking and the remaining passengers (maybe in this case they were originally #1 and #3) are now re-invoiced at the double occupancy rate. Whether or not they have to pay more depends on how they are handling payment. In the example above, if #3 cancels #1 and #2 will each have to kick in an additional $100 to bring their contribution up to $1000 each from the agreed-upon $900.
Cruise line insurance is less flexible in these cases -- no matter who cancels that person is always designated as the third (reduced rate) passenger. Let's say #3 cancels and the penalty is 100% of the cruise fare -- $700. The cancelling passenger (who chipped in $900 in our example above) is thinking "wait a minute. I've got credit card receipts showing I paid the cruise line $900 and I'm only getting back $700. What's the deal?" The deal is that the insurer is going to tell him/her to collect that overpaid $200 from the others -- it's not their problem.
Whether or not the cruise line makes any remaining passengers kick in more money depends on where they stand with the penalty schedule and how the cabin will be re-fared. If all the monies have been paid in and if they are subject to a 100% penalty, if one passenger has to cancel no one will be asked to pay an additional amount. Generally this is more of a problem when a double occupancy cabin is reduced to single occupancy. It's very rarely a problem when a triple or quad occupancy cabin is reduced to double occupancy.