Wedding Insurance has been around for years, but it’s not often something the couple thinks about during the hectic planning. While there is no legal requirement for Wedding Insurance, it may be something brokers should recommend as it covers a variety of property, liability and financial risks involved with getting married.
- Policy Cover
- Cancelation and rearrangement – depending on the insurer, this cover may be written on an ‘all risks’ basis or on specified perils. Suppliers will be compensated for breach of contract and the couple indemnified for unused items
- Property and liability – designed to cover loss and damage to ceremonial attire, wedding gifts, rings, flowers, cake and attendants’ gifts. Cover is limited by usual property cover exclusions and specified perils.
- Typical Claims
Several of the most common Wedding Insurance claims are damaged wedding attire, re-taking of photographs, cancellation due to illness or bereavement of immediate family and loss of wedding rings.
Wedding Insurance policies will always exclude cancellation due to ‘disinclination to marry,’ where one of the couple pulls out. Other typical exclusions may include war and nuclear risks, illegal and immoral activities, mechanical breakdown and pyrotechnic devices.
Weir Insurance’s friendly experts can help you decide what to cover, with benefits including:
- Loss or damage to wedding attire, rings and cake
- Contractual failure of wedding transport or photographs
- Cancellation due to death, illness or injury
- Damage to wedding venue
- Overseas posting to armed services
- Inability to reach venue due to adverse weather
- Non-appearance of key supplier or authorised registrar
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