Why Wedding Insurance Is So Important
1. If you had to cancel, you could lose your deposits
2. If you cancelled nearer the day suppliers could demand the whole of contracted amounts
3. A supplier could go into liquidation holding your deposit
4. Cancellation could occur through many calamities - death, illness, injury, redundancy causing financial difficulties, service personnel, posted abroad, etc.
5. Wedding attire could be lost or damaged
6. A guest could be injured, or the reception venue damaged and you might be held legally liable
7. The professional photographs may not come out
8. Rings or presents could be lost or damaged
9. The reception venue may close before the Wedding
Cancellation: We will reimburse your irrecoverable expenses incurred by the necessary cancellation of the ceremony or reception for:
1. Reasons out of your control limited to:
2. The death, injury, illness of the bride, groom or close family relative;
3. The redundancy of the bride, groom or close family relative;
4. Ceremony or reception venue being unable to hold the function;
5. The posting abroad of a serving member of the UK Armed Forces;
6. Adverse weather conditions that make the ceremony or reception venue inaccessible
Additional Expenses: We will reimburse you for any additional expenses for alternative services incurred to avoid the necessary cancellation of the wedding due to an insured cause:
Wedding Attire up to the amount below: Cover for this loss of or damage to bride and bridesmaids' dresses, groom and attendants formal attire, including their hire charges following loss or damage if the hire company imposes such charges
Wedding Presents up to £3,000: Cover for the loss or damage to any wedding present in your possession within 24 hours before and after the wedding day
Wedding Photographs/Videos up to £3000: Cover to retake official wedding photographs in the event of the non-appearance of a booked professional photographer, or the total loss, damage or non-development of the original film, negative or video
Loss of Deposits up to the value shown below: Cover in respect of the bankruptcy or liquidation of any booked service supplier
Public Liability up to £5,000,000:Protects your legal liability to pay for compensation and claimants costs and expenses for accidental bodily injury or accidental loss of or damage to property sustained at your wedding
Wedding Rings up to £3000: We will pay for the loss or damage to the bride or grooms wedding rings during the 7 days up to the Wedding day and up to 24 hours after the reception
Wedding Transport: Cover for the non-appearance of the officially booked wedding transport due to breakdown or accident on the wedding day
Wedding Cake: Cover for the loss of or damage to the official wedding cake at the venue, home or whilst in transit 24 hours prior to the wedding
Wedding Flowers: Cover for the non-appearance of the officially booked wedding bouquet, button holes and floral displays
Wedding Property Cover: Cover for your liabilities in respect of the accidental loss of or damage to hired in property in connection with your wedding for which you are legally responsible for
Cover: |
1 |
2 |
3 |
4 |
5 |
6 |
| Wedding Cancellation | £5,000 |
£8,000 |
£10,000 |
£15,000 |
£20,000 |
£30,000 |
| Wedding Attire | £5,000 |
£6,000 |
£7,000 |
£8,000 |
£9,000 |
£10,000 |
| Wedding Photos/Video | £3,000 |
£3,000 |
£3,000 |
£3,000 |
£3,000 |
£3,000 |
| Wedding Rings | £3,000 |
£3,000 |
£3,000 |
£3,000 |
£3,000 |
£3,000 |
| Wedding Presents | £3,000 |
£3,000 |
£3,000 |
£3,000 |
£3,000 |
£3,000 |
| Transport/Cake/Flowers | £3,000 |
£3,000 |
£3,000 |
£3,000 |
£3,000 |
£3,000 |
| Deposits | £5,000 |
£6,000 |
£7,000 |
£8,000 |
£9,000 |
£10,000 |
| Public Liability | £5million |
£5million |
£5million |
£5million |
£5million |
£5million |
| Re-Arrangement | 50% |
50% |
50% |
50% |
50% |
50% |
Cost of Premium: |
£51.00 |
£61.00 |
£66.00 |
£91.00 |
£127.00 |
£157.00 |
| Optional Extras | ||||||
| Marquee Extension £20,000 | £101 |
£101 |
£101 |
£101 |
£101 |
£101 |
| Ceremonial Sword Extensions £20,000 | £101 |
£101 |
£101 |
£101 |
£101 |
£101 |
Main Exclusions
1. Non-appearance due to disinclination of the bride or groom to marry
2. Cancellation due to stress
3. Failure of any supplier where booked arrangements are not confirmed in writing
4. Cancellation due to any pre-existing condition
5. Theft from unattended venues and vehicles
6. Wilful and malicious acts resulting in damage
7. Damage to ground surfaces and underground services
8. Damage to marquees whilst being erected or dismantled
9. Damage to flooring caused by footwear
