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itf

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  1. Just the generic customer services email - they were perfectly good about it and responded in ~48 hours each time providing me the documents I needed for insurer.
  2. Well, just to update this, Norwegian confirmed that the $15 refund was indeed port taxes, I forwarded it to the insurer and today I got confirmation that I'll receive the full £300 (£100 each x 3 people). Just to give anyone who cared closure!
  3. No - we got nothing and front desk didn't provide us anything when we asked onboard.
  4. But if that's the case, it's impossible for any NCL cruiser (or any other line maybe?) to ever actually successfully claim on the insurance, right? Because all lines will refund you those taxes to your shipboard account. So the product is useless - it can never be claimed. They have stated they will pay if I can provide "Confirmation from the cruise company that the $15 per person credit was indeed a refund of port taxes, please note the letter from the cruise liner states that it is refund able onboard credit which we would consider a form of compensation." I was not 100% confident that the $15 is just port taxes which is what I wanted to clarify here before chasing NCL for a letter.
  5. The former - they won't pay anything at all because they deem the $15 to be "compensation" rather than a refund of port taxes. NCL provided a letter saying no compensation was offered nor would it be, but $15 refundable credit was added to my account. If this is simply a refund of port taxes, then the insurer will pay. Which is why I asked the question of what exactly the $15 on the shipboard account *IS* - is it a refund of the port taxes, in which case I should be paid. Or is it something else - in which case the insurance can literally never pay out because you will always hit the exclusion terms. I would have been entirely happy with scenario 2.
  6. I have in writing from the insurer as part of our correspondence that the £100 per person IS the figure to be paid. This is a meaningless rabbit hole that you are insisting on going down - it's not even a point of argument between myself and the insurer. The compensation is clear to both parties and neither is arguing! Literally the only argument I have between the insurer paying or not is what the $15 on my statement is!
  7. As I've clarified above there's no argument about the £100 figure. The only argument is what the $15 is. If it's "compensation" I get nothing at all. If it's a refund of port taxes, I get the £100.
  8. No it's £100 per port *up to £1000* if we'd missed 10 ports. It isn't up to £100 per port, or there would be no reason to ever purchase the higher level of cover. They've confirmed all this - the only argument we have is whether that $15 was a refund or compensation. If I can prove it's a refund of port tax, they pay. If I can't, they class it as "compensation" and don't.
  9. 100% and we've done 15 cruises and missed 2 ports, so my hit rate isn't bad. And last time we got an alternate port (and I wouldn't even bother claiming in that scenario) - the fact remains they explicitly sell missed port cover, I purchased it and paid a premium for it - but it's impossible to claim, as nobody on any NCL cruise can ever meet the requirements for the claim based on the small print if they consider the $15 port fee refund to be "compensation" - which it isn't, it's a refund. That's all I need from this post - is the $15 explicitly a refund of the port taxes - I believe it is. If I can prove this, they'll pay out. If I can't, they deem it "compensation" even though NCL have confirmed to them in writing that no compensation is offered for a missed port.
  10. No - as I've posted above in the screenshot - I am specifically and explicitly insured against missed ports and a monetary value is assigned to that by them - not me - and I paid a premium for that extended cover.
  11. Well you're out the experience of visiting the port! I am specifically insured for £100 per person for each missed port. It was a feature of the cruise insurance. If I'm covered for it - and paid the highest possible premium for that cover - then they should pay.
  12. I paid extra for cruise cover (allianz) which apparently wasn't worth the paper it was written on as they are excluding on Q1/2 . They are saying the $15 was "compensation". I disagree. Section Q1 - Missed port What you are covered for under Section Q1 We will pay up to the amount shown in the table of benefits if your scheduled port visit is cancelled due to adverse weather or timetable restrictions. Please note: You must get written confirmation from your carrier or tour operator confirming your scheduled port visit was cancelled and the reason for the cancellation. What you are not covered for under Section Q1 1. Any claim arising from your ship’s failure to put people ashore due to the mechanical or operational failure of the ships tender (or any other boat used to transport passengers to shore). 2. Any claim where a monetary amount, including but not limited to on board credit or other compensation, has been offered to you by the ship or tour operator. 3. Any claim where you do not have written confirmation from your carrier or tour operator confirming your scheduled port visit was cancelled.
  13. I am in an argument with my travel insurance who are unwilling to pay out on my claim for a missed port on the Breakaway because I received "compensation" from the cruise line. That compensation (significantly less than they would pay out) was $15 - which I believe was the port taxes, and therefore no kind of compensation, just a refund. Can someone clarify if this is the case?
  14. Well I'm dealing with them right now for a cruise claim and I'll go with bad - we had a missed port, and they're refusing to pay out because of the $15 each we got back. The coverage was for £100 UK per person for a missed port. So my clam fails under clause 2 below. Now I've been on around 15 cruises and if we've ever missed a port either an alternative port has been offered, or the port taxes are refunded. In this case, it was the port taxes, and that means I can't claim the much higher amount. Here's the clause Section Q1 - Missed port What you are covered for under Section Q1 We will pay up to the amount shown in the table of benefits if your scheduled port visit is cancelled due to adverse weather or timetable restrictions. Please note: You must get written confirmation from your carrier or tour operator confirming your scheduled port visit was cancelled and the reason for the cancellation. What you are not covered for under Section Q1 1. Any claim arising from your ship’s failure to put people ashore due to the mechanical or operational failure of the ships tender (or any other boat used to transport passengers to shore). 2. Any claim where a monetary amount, including but not limited to on board credit or other compensation, has been offered to you by the ship or tour operator. 3. Any claim where you do not have written confirmation from your carrier or tour operator confirming your scheduled port visit was cancelled.
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