No travel insurance for holiday in 2021

Meka3256

Hi all,

I've booked a cruise for Jan 2021 - I appreciate this may appear a bit far away for some, but it's a 35 day cruise and I am a solo passenger. Consequently there were good reasons (price and life planning) to explain why I have bought so far in advance.

I tried to get travel insurance this weekend, but none of the price comparison sites were able to provide quotes and suggested I contact some specific agents. I've called one this morning, and they have said they can't quote as the holiday is so far in the future.

At the moment I have only paid a small deposit (£150), which can be transferred to another itinerary so no huge concerns. However is this actually a 'thing'? Is there a time limit as to how far in the future you can buy travel insurance? I know much can change in nearly 2 years, but is there a 'standard' window in which insurance companies operate?

Thanks in advance for any comments

[Deleted User]

It can certainly be a 'thing'.

Pricing needs to reflect risk and two years can change that risk dramatically.

A comparison site may give you a generic idea of the leadtimes.

daveyjp

No need for insurance this so far out as your only potential loss is a small deposit.

12 months in advance is a typical maximum so wait until 2020.

tryin

If you want to see what it'll cost, just check for those dates in 2020.

Sharon87

As others said, there's no point of getting insurance yet when all you've got to lose is £150 deposit. When you need to start paying for other non refundable things that's really when you need the insurance.

dj1471

If you were to buy an annual policy, would it cover cancellation of the future holiday?

I've read the policy wording for my policy and I remain unsure whether it would cover this scenario or not.

Meka3256

Thanks all for the comments. Much appreciated

Sharon87

Just had a thought, the £150 deposit is cheaper than the actual insurance and the excess you'd have to pay! So not worth it until you book anything more expensive.

hollydays

Sharon87 wrote: »

Just had a thought, the £150 deposit is cheaper than the actual insurance and the excess you'd have to pay! So not worth it until you book anything more expensive.

?
Are you suggesting the op doesn't need insurance?

Sharon87

hollydays wrote: »

?
Are you suggesting the op doesn't need insurance?

They will once they actually pay for it, before then there's no point as if it gets cancelled before the full amount is paid they'll only lose £150 - which is less than most travel insurance excess's. They'll definitely need insurance once they spend money on flights, the rest of the cruise.etc

NoodleDoodleMan

You might like to consider a packaged bank account which includes worldwide annual travel insurance.

We were with Nationwide for £13 a month and it was recognised as a top deal.

Maximum age now 70 unless you pay a modest additional premium for continuing cover.

The Co-op bank version is also well thought of - £15 per month, but it goes to age 80. If you pay 4 direct debits from the account you get £4 reward "cashback" each month - which effectively means you pay £11 monthly for the travel deal.

That compares favourably with similar standalone annual travel insurance policy costs from major providers.

I found one of the advantages of the bank cover is that it can roll over into the next 12 month cycle with minimal administrative contact with the provider - assuming you have had no changes in health conditions in the preceeding year.