Tikka234 Posted January 21, 2021 #1 Share Posted January 21, 2021 Hi we have 2 cruises booked one for end Aug transferred from May and one End Sept 2021 transferred from last year but have no insurance , which we haven't been able to get because of covid . Looking at insurances it's cheaper to get an annual insurance always had single trip before. When our cruise was cancelled last year we got 80% _of our insurance back. Which I don't think we would with an annual one. Really want to get insured still not a lot of choice around covering covid . Would you get Annaul of 2 single trips? Thanks Link to comment Share on other sites More sharing options...
wowzz Posted January 21, 2021 #2 Share Posted January 21, 2021 In a word - annual. 1 Link to comment Share on other sites More sharing options...
kalos Posted January 21, 2021 #3 Share Posted January 21, 2021 30 minutes ago, wowzz said: In a word - annual. Same here . 1 Link to comment Share on other sites More sharing options...
yorkshirephil Posted January 21, 2021 #4 Share Posted January 21, 2021 Annual. Link to comment Share on other sites More sharing options...
Tikka234 Posted January 21, 2021 Author #5 Share Posted January 21, 2021 Thanks Annual it is then Link to comment Share on other sites More sharing options...
terrierjohn Posted January 21, 2021 #6 Share Posted January 21, 2021 38 minutes ago, Tikka234 said: Thanks Annual it is then I suppose we will take out an annual policy once holidays restart, but I hope cruising does not suffer from the repeat lockdowns we have had. If there is a doubt about that then I may opt for a single trip for our first cruise in July. Link to comment Share on other sites More sharing options...
Tikka234 Posted January 21, 2021 Author #7 Share Posted January 21, 2021 5 minutes ago, terrierjohn said: I suppose we will take out an annual policy once holidays restart, but I hope cruising does not suffer from the repeat lockdowns we have had. If there is a doubt about that then I may opt for a single trip for our first cruise in July. Our 2 cruises are very close together 7 day fjord cruise end Aug and 14 night med cruise end sept, No idea if there go ahead and if they do now much restrictions, if we can't get off ships independently I think we'll transfer to next year will decide before we pay final payment Link to comment Share on other sites More sharing options...
Thejuggler Posted January 21, 2021 #8 Share Posted January 21, 2021 Just check cover is the same on the annual compared to single trip. Link to comment Share on other sites More sharing options...
wowzz Posted January 21, 2021 #9 Share Posted January 21, 2021 2 hours ago, Thejuggler said: Just check cover is the same on the annual compared to single trip. There should be absolutely no difference at all between the two. After all, you get the same document detailing the level of cover whether you take out a single or annual policy. Link to comment Share on other sites More sharing options...
Rare Windsurfboy Posted January 22, 2021 #10 Share Posted January 22, 2021 Normally I'd say annual, but I've had an annual and had 4 trips cancelled, not a penny back. If you believe cruises will definitely go ahead annual. But if you want to guard against cancellation, 2 singles may cost more , but you will get some money back if cruise is cancelled. 1 Link to comment Share on other sites More sharing options...
wowzz Posted January 22, 2021 #11 Share Posted January 22, 2021 5 hours ago, Windsurfboy said: Normally I'd say annual, but I've had an annual and had 4 trips cancelled, not a penny back. If you believe cruises will definitely go ahead annual. But if you want to guard against cancellation, 2 singles may cost more , but you will get some money back if cruise is cancelled. Surely, if the cruise/trip is cancelled, you will get a refund from the company involved, so no need to involve your insurance company. Link to comment Share on other sites More sharing options...
terrierjohn Posted January 23, 2021 #12 Share Posted January 23, 2021 1 hour ago, wowzz said: Surely, if the cruise/trip is cancelled, you will get a refund from the company involved, so no need to involve your insurance company. I think windsurfboy was meaning a refund of part of your insurance premium. Link to comment Share on other sites More sharing options...
tring Posted January 23, 2021 #13 Share Posted January 23, 2021 8 minutes ago, terrierjohn said: I think windsurfboy was meaning a refund of part of your insurance premium. Have you seen Moley's recent post on the "What are things like where you are" thread? Link to comment Share on other sites More sharing options...
wowzz Posted January 23, 2021 #14 Share Posted January 23, 2021 8 hours ago, terrierjohn said: I think windsurfboy was meaning a refund of part of your insurance premium. Ah, fair point. Link to comment Share on other sites More sharing options...
yorkshirephil Posted January 23, 2021 #15 Share Posted January 23, 2021 8 hours ago, terrierjohn said: I think windsurfboy was meaning a refund of part of your insurance premium. Probably, some insurance companies have been making token gestures and giving customers something back. We are with staysure and they offered me nothing, they would not let me freeze the policy, they said that was because the policy was discounted. I asked if the policy hadn't been discounted would I have been able to freeze the policy, still no, so why mention the discount? They would offer me 15 months for the price of 12, I asked what use that was when we wouldn't be able to travel anyway, so she said we could buy a new 12 month policy and effectively start it within 12 months, I asked how they could freeze a future policy but not an existing one, she didn't have a reason for that. In the end I cancelled the policy and will buy a new one when it is required. 1 Link to comment Share on other sites More sharing options...
wowzz Posted January 23, 2021 #16 Share Posted January 23, 2021 18 minutes ago, yorkshirephil said: Probably, some insurance companies have been making token gestures and giving customers something back. We are with staysure and they offered me nothing, they would not let me freeze the policy, they said that was because the policy was discounted. I asked if the policy hadn't been discounted would I have been able to freeze the policy, still no, so why mention the discount? They would offer me 15 months for the price of 12, I asked what use that was when we wouldn't be able to travel anyway, so she said we could buy a new 12 month policy and effectively start it within 12 months, I asked how they could freeze a future policy but not an existing one, she didn't have a reason for that. In the end I cancelled the policy and will buy a new one when it is required. We got no refund or extension on our policy either. Annual policy with Insure and Go. We have let it lapse as well, and will look again once we have need of it. 1 Link to comment Share on other sites More sharing options...
jeanlyon Posted January 23, 2021 #17 Share Posted January 23, 2021 We took out an annual policy in October 2019 but couldn't cruise so got a full refund. Our next is October 2021, so we have no insurance at present and not likely to get any until we know we can go. 1 Link to comment Share on other sites More sharing options...
Tikka234 Posted January 24, 2021 Author #18 Share Posted January 24, 2021 Decided to hold off booking insurance yet will wait and see nearer the time get Thanks for all your replies Link to comment Share on other sites More sharing options...
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