When planning what will be one of the biggest and most expensive days of your life, no-one really want to think of what might go wrong. Sadly, however, weddings do sometimes have to be cancelled or re-arranged for a wide range of different reasons and Wedding Insurance is there to help make sure that you do not lose money as a result.
Even if the day goes ahead, other problems can arise and Wedding Insurance helps you to sort them out and pay for
unexpected additional costs. Asian wedding insurance is different from normal wedding insurance as it covers 6 events
over a period of 94 days.
Ideally, you should take it out as soon as you have paid any deposits or signed a contract that means you will lose money if you are
forced to change your plans. You can arrange our insurance at any time up to 24 months before the big day.
Yes - provided you are not aware of any particular circumstances that may give rise to a claim
when you take out the policy. Cover for financial failure starts 14 days after the premium has been paid.
Both dates will be covered provided they are not more than 94 days apart. If your civil marriage and blessing/reception are more than 94 days apart then you will need to take out two separate policies, one for each date.
The same goes if you are getting married abroad with a small ceremony overseas and then having a party/reception when you return back to the UK. The events must be less that 94 days apart to be covered under the same policy.
Yes - you can take a policy for weddings anywhere in the world. For weddings abroad, however, you cannot take the extension to add the
liability of your guests and liability is excluded completely for weddings in the USA or Canada.
Yes - provided one of you is normally resident here in the UK you can take out a policy.
Yes - provided that leave has alreadt been agreed and there was no notice of possible cancellation
of leave at the time the policy was taken out.
This is known as "disinclination to proceed" and is not insured, sadly.
Then the reasonable costs of taking replacement formal photographs of the couple and the immediate Wedding party can be
Most existing medical conditions are insured automatically, both for the Couple and also their close relatives. There is
no cover, however, for Pre-existing medical conditions that have resulted in a terminal prognosis or where the condition is awaiting treatment or
investigation at a hospital or you are awaiting the results of tests or investigations, unless you have declared details to us and we have agreed to
insure them. You can call us to discuss a medical condition on 01483 806 680.
Then you may claim for any irrecoverable deposits that you may have paid and also for the necessary additional costs in
arranging an equivalent alternative. A definition of wedding service suppliers is included in the policy wording.
Yes - you will be covered for the additional costs of rearranging a suitable alternative venue for the same day, if that is
possible, or irrecoverable amounts and additional costs of having to cancel and rearrange the whole event for a later day.
There is an optional extension that you can take to add this cover for up to £20,000 or £50,000, subject to
payment of the appropriate additional premium.
Your own personal liability is included as standard up to £2,000,000. There are optional extensions available to add
cover for the liabilities of your guests up to £2,000,000 in total or to increase the limit to £5,000,000 in total, including guests'
liabilities. There are restrictions on the liability cover for overseas weddings as detailed in the policy wording.
No - you will need to take out separate travel insurance for your honeymoon or overseas wedding trip, which would normally
include cancellation cover if you are not able to travel as planned. If travelling to get married abroad, the Wedding Insurance only covers the
extra costs and items specifically relevant to the wedding itself, including the rings, wedding attire, essential document indemnity etc., not the
cost of the trip itself.
No, there are no excesses applicable under any section of the policy.