What this article helps you do
You only need Cruise Cover if your boat trip meets the policy’s definition of a cruise. This article shows when a boat or ferry trip counts as a cruise and what that means for each policy level.
Applies to
- Trip type: A trip on a passenger liner, ship, or river cruiser
- Cruise definition: The trip includes at least two nights of accommodation
- Applicable policies: Silver, Gold, Gold Plus and Platinum
Quick answer
- Not every boat trip is considered a cruise.
- A trip on a passenger liner, ship, or river cruiser counts as a cruise if it includes at least two nights of accommodation.
- A ferry trip on a passenger ship is also a cruise if it includes at least two nights of accommodation.
- Silver and Gold policies do not cover trips that count as cruises.
- Gold Plus policies can cover a cruise, but only if you chose Cruise cover and it is listed on your policy schedule.
- Platinum policies include Cruise cover as standard.
Does your boat trip count as a cruise?
Your boat trip is a cruise if both of these conditions are met:
- The trip is on a passenger liner, ship, or river cruiser, and
- It includes accommodation for at least two nights.
If your trip does not meet both conditions, it is not considered a cruise. Cruise Cover will not apply to that part of your journey. Other coverage depends on your policy’s benefits, terms, and exclusions.
What if my ferry has two nights each way?
If your outbound ferry trip includes two nights of accommodation, it counts as a cruise.
If your return ferry trip also includes two nights of accommodation, that part is a cruise as well.
Your level of cover then decides what your policy includes:
| Policy level | Position for a trip meeting the cruise definition |
| Silver | Cruise trips are not covered |
| Gold | Cruise trips are not covered |
| Gold Plus | Cruise Cover must have been selected, paid for and shown on your policy schedule |
| Platinum | Cruise Cover is included as standard |
What does Cruise Cover add?
This section is only for Gold Plus policies with Cruise Cover chosen and for Platinum policies.
Cruise-specific benefits include:
- missed port departure;
- cabin confinement;
- itinerary change;
- unused excursions; and
- cruise interruption.
Each benefit comes with its own conditions, limits, and excess amounts.
For more information on Cruise cover, see here