Only if your trip meets the policy definition of a “cruise”.
A cruise is a trip on a passenger-carrying liner, ship or river cruiser, with at least two nights’ accommodation onboard.
Does your boat trip count as a cruise?
It’s treated as a cruise if it’s:
- a passenger-carrying liner/ship/river cruiser, and includes accommodation for a minimum of two nights.
- If your boat trip doesn’t match that definition, Cruise Cover isn’t required for that part of your trip (your claim would be assessed under the standard policy wording that applies to your trip).
Policy eligibility for cruise trips
- Silver/Gold: cruises are not covered.
- Gold Plus: cruise trips are covered only if you’ve paid the additional Cruise premium.
- Platinum: cruise trips are covered (Cruise Cover is included as standard).
If you are taking a cruise (what Cruise Cover adds)
If your policy includes Cruise Cover, the Summary of Cover shows cruise-specific benefits such as:
- Missed port departure
- Cabin confinement
- Itinerary change
- Unused excursions
- Cruise interruption
(These are Section 14 benefits and have their own limits/excesses shown in the Summary of Cover.)
What to do next
Read your policy documents.
Eligibility, terms and exclusions apply. Please refer to your policy documents for full details.