Is cruise cover needed if I'm taking a ferry?

A ferry journey is not normally classed as a cruise so you shouldn't need cruise cover.

Most policy wordings will define what a cruise is. A typical example is ‘pleasure voyage of more than 72 hours, sailing on sea/s or oceans and includes stops at various ports.

If the definition you see in your policy wording requires cruise cover for a ferry trip, please go back and amend your quote to include this before selecting a policy.