Cruise

This section only applies if you have chosen the cruise product, paid the appropriate extra premium and it is shown on your validation certificate.
P1 – Missed port departure What you are covered for
We will pay up to the amount shown in the table of benefits on page 4 for reasonable additional accommodation (room only) and travel expenses necessarily incurred in joining your cruise ship journey at the next docking port if you fail to arrive at the international departure point in time to board the ship on which you are booked to travel on the initial international journey of your trip as a result of:
1. The failure of scheduled public transport;
2. An accident to or breakdown of the vehicle in which you are travelling;
3. An accident or breakdown occurring ahead of you on a motorway or dual carriageway which causes an unexpected delay to the vehicle in which you are travelling;
4. Strike, industrial action or adverse weather conditions.
Special exclusions which apply to section P1 We will not cover the following:
1. The excess shown in the table of benefits on page 4.
2. Claims arising directly or indirectly from:
a) Strike or industrial action or air traffic control delay existing or publicly declared by the date this insurance is purchased by you or the date your trip was booked whichever is the later;
b) An accident to or breakdown of the vehicle in which you are travelling for which a professional repairers report is not provided;
c) Breakdown of any vehicle in which you are travelling if the vehicle is owned by you and has not been serviced properly and maintained in accordance with manufacturer’s instructions;
d) Withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any such regulatory body in a country to/from which you are travelling.
3. Additional expenses where the scheduled public transport operator has offered reasonable alternative travel arrangements.
4. Additional expenses where your planned arrival time at the port is less than 3 hours in advance of the sail departure time if you are travelling independently and not part of an integrated cruise package.
5. Anything mentioned in the General exclusions on pages 16 and 17.
Special conditions which apply to section P1 Under this policy you must:
1. In the event of a claim arising from any delay arising from traffic congestion obtain written confirmation from the Police or emergency breakdown services of the location, reason for and duration of the delay.
2. Allow sufficient time for the scheduled public transport or other transport to arrive on schedule and to deliver you to the departure point.
P2 – Cabin confinement
What you are covered for
We will pay up to the amount shown in the table of benefits on page 4 for each 24 hour period that you are confined by the ships medical officer to your cabin for medical reasons during the period of the trip.
Special exclusions which apply to section P2 We will not cover the following:
1. Any confinement to your cabin which has not been confirmed in writing by the ships medical officer.
2. Anything mentioned in the General exclusions on pages 16 and 17.
P3 – Itinerary change
What you are covered for
We will pay up to the amount shown in the table of benefits on page 4 for each missed port in the event of cancellation of a scheduled port visit due to adverse weather or timetable restrictions. This must be confirmed by the cruise operator in writing confirming the reason for the missed port.
Special exclusions which apply to section P3 We will not cover the following:
1. Claims arising from a missed port caused by strike or industrial action if the strike or industrial action was notified at the time that the insurance was purchased.
2. Your failure to attend the excursion as per your itinerary.
3. Claims arising from when your ship cannot put people ashore due to a scheduled tender operation failure.
4. Anything mentioned in the General exclusions on pages 16 and 17.
P4 – Unused excursions
What you are covered for
We will pay up to the amount shown in the table of benefits on page 4 for the cost of pre-booked excursions, which you were unable to use as a direct result of being confined to your own cabin due to an accident or illness which is covered under section B - Medical and other expenses.
Special exclusions which apply to section P4 We will not cover the following:
1. The excess shown in the table of benefits on page 4.
2. Anything mentioned in the General exclusions on pages 16 and 17.
P5 – Cruise interruption
What you are covered for
We will pay up to the amount shown in the table of benefits on page 4 for additional travel expenses incurred to reach the next port in order to re-join the cruise, following your temporary illness requiring hospital treatment on dry land.
Special exclusions which apply to section P5 We will not cover the following:
1. The excess shown in the table of benefits on page 4.
2. Claims where less than 25% of the trip duration remains.
3. Any claim arising directly or indirectly from a known preexisting medical condition affecting you unless you have declared all pre-existing medical conditions to us and we have written to you accepting them for insurance.
4. Anything mentioned in the General exclusions on pages 16 and 17.
Special conditions which apply to section P5 Under this policy you must:
1. Prior to arranging any additional travel, contact us so that we can approve and assist with any travel arrangements. You must also obtain a medical certificate from the medical practitioner in attendance to confirm the details of your unforeseen illness or injury.
2. If, at the time of requesting our assistance in the event of an interruption claim, satisfactory medical evidence is not supplied in order to substantiate that the claim is due to your unforeseen illness or injury, we will make all necessary arrangements at your cost and arrange appropriate reimbursement as soon as the claim has been validated.