Salman Haqqi, personal finance expert at, comments:

For passengers on the Norwegian Spirit, it's been far from a trip of a lifetime. Although Norwegian Cruise Line, which operates the ship, is within its rights under Package Travel Regulations to make changes to the itinerary after departure, if a significant proportion of services cannot be provided, passengers are entitled to compensation.

If customers aren't happy with the 25% voucher being offered, they should make a formal complaint to the company as soon as they arrive home. It's important to read Norwegian Cruise Line's terms and conditions first to check its policies before submitting a complaint.

If the problem can't be resolved with the company directly, customers can take the complaint further by contacting the company's trade association ABTA.

Can I claim on my travel insurance?

It's worth passengers checking their travel insurance to see if they have cruise cover.

Many insurers offer cruise cover as an optional extra that can be added to a standard travel insurance policy for an additional cost.

It will normally cover missed departures, cabin confinement, unused cruise excursions and changes to a cruise itinerary.

Passengers with cruise cover should be able to make a claim because ports of call on the cruise had to be cancelled due to bad weather and the timetable was restricted as a result.