by Andy W » 17 Mar 2014, 12:49
It's not really personal injury insurance I'm talking about, Gemma. If your baggage was lost, stolen, damaged or fell overboard, the shipping company isn't insured because it's illegal for them to carry baggage on these sailings. You couldn't claim on your own travel insurance because you'd need a police report number, and the people who'd issue that are the Port Police, the very people who enforce the "day trippers only and no luggage" rules.
If the boat didn't sail from Rhodes, or left and had to turn back, the shipping company would give you your fare back, and that's it. But you'd be stuck with maybe having to pay for overnight accommodation in Rhodes as well as your accommodation on Symi. Travel insurance would usually cover this - "failure of public transport" is how it is described on most policies, and to claim you'd need a document from, guess who, the Port Police, confirming that a scheduled ferry had failed to operate. Of course you can't get this, because you weren't booked on a scheduled ferry in the first place.
Just to make it clear, you can buy day returns on scheduled ferries such as Panagia Skiadeni, Dodecanese Express, Dodecanese Pride, (or even Blue Star Diagoras if you start from the Symi end), and they and you are fully insured. It's just the Nikolaos X and other Mandraki based boats, the Symi, and the Sea Star (when it's sailing to and from Symi) that are insured only for people taking day trips, without luggage.