Thank you for all your comments - very useful. We will (try to) ring both our insurers and the cruise company tomorrow ......... I'll let you know what we decide to do.
I had been particularly concerned about Zero's comment .....
"Your cruise has not been officially cancelled, if you dont pay the balance, you lose your deposit. If they cancel after you pay the full amount you get it all back, if they don't or won't, your insurance will pay."
Insurers are like bookies, aren't they, if I were one, I think in the present circumstances I'd be inclined to pay out £400 now rather than (a fairly certain) £2800 later.
I should add that I am 70.5 years old and current FCO advice is for 70+ year olds not to travel on cruise ships; in fact, the FCO currently advises against any non-essential travel.
It's a pity because since taking to the North Sea in my mate's boat, I've developed a nerdy interest in the Kiel Canal, and this cruise does/did a there-and-back.
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