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FAQ Index

UK and Overseas Wedding Insurance

When should we take out wedding insurance?
Wedding Insurance should be taken out as soon as you make any bookings or pay any deposits towards your wedding. However, we do not accept applications more than 2 years or less than 21 days before the date of your wedding.
What happens if the wedding is cancelled?
If you have to cancel your wedding, we will assess the reason for the cancellation and if your claim is valid we will pay for any expenses you are unable to recover. In order to do this we will require receipts of all non-refundable deposits paid out.
Should the reason for cancellation be the financial failure of the venue or one of your suppliers we will obtain written confirmation of the failure from Companies House or the Liquidators involved. If cancellation is due to health reasons we will require confirmation of this from a Doctor or Medical Practitioner.
Payment will be dependent on the band of cover chosen.
What happens if the venue is unable to hold the wedding or reception?
We will pay for any expenses you are not able to recover if you have to cancel the wedding or reception, or re-arrange with another venue.
What happens if the wedding or reception has to be cancelled or re-arranged because of illness, injury or death of someone involved in the wedding?
We will pay for cancellation or re-arrangement costs when a member of the wedding party is affected, except when they have had a terminal prognosis diagnosed before cover is taken out. Details of illnesses must be disclosed when taking out the policy.
What happens if my dress is lost, stolen or damaged before I get married?
Should the dress by lost, stolen or damaged 24hour prior to the wedding we will pay for a replacement dress or dress hire charges based on the original purchase price of the dress.
What happens if my wedding presents are damaged at the reception?
We will pay for the loss or damage by any cause to the wedding presents during a period of 7 days prior to the wedding. The cake is also covered 24 hours before the commencement of the wedding.
What happens if the photographs do not develop?
We will pay up to the limit shown in the Policy Summary to retake the wedding photographs or video due to non-development of the original film or negatives. This extends to non-appearance for any reason of the professional photographer booked.
What happens if any of the suppliers go bankrupt?
We will contact Companies House and/or the Liquidators involved and we will then pay for any expenses you are not able to recover and additional costs in arranging equivalent services following the bankruptcy or liquidation of any supplier booked to supply any wedding service.
What would happen if we damaged the marquee?
If the Optional Extension premium has been paid we pay up to £20,000 for any accidental loss or damage to the marquee caused by you or your guests.
I live abroad and will be travelling back to the UK for my wedding, can I take out insurance?
Unfortunately we can only offer cover to UK residents who have been resident in the UK for four months or more.
What should I do if I need to make a claim?
Claim forms can be requested and sent to us via email, fax or over the phone.
Will cover be provided for any services previously arranged or deposits already paid for when I take out a Wedding Insurance policy?
Yes, anything already booked or paid will be fully covered as long as you have an invoice or receipt for the payment.
Who can take out the Wedding Insurance policy?
Wedding Insurance can be taken out by the Bride, Groom or either set of parents.
Is any cover available for ceremonial swords?
Yes, this cover is available through an optional extension.
What happens if the bride breaks her leg just before the wedding?
If you are unable to attend the wedding, we would cover you for cancellation of the wedding providing a letter could be provided by your Doctor confirming the reason for cancellation.
What happens if any hired wedding attire gets lost or damaged?
Damage to wedding attire whether bought or hired is covered under the policy.
My partner is in the armed forces. What would happen if their leave was cancelled?
As long as the leave was unexpected and unavoidable this would be covered under the wedding insurance policy.
Does your policy cover Overseas weddings?
All policies provide cover for weddings anywhere in the world. You will, however, still need to take out travel insurance for the holiday itself.
My reception is on a different day to my wedding ceremony. Is this covered?
Both events are covered under one policy, providing they are within 72 hours of each other. If they are further apart you would require a separate policy for each. When getting married abroad the reception if being held in the UK must occur within 30 days of the date of the wedding ceremony overseas.
Do you cover marquees?
Marquee cover is available as an optional extension to the policy for UK weddings only.
We are having a Winter wedding. What would happen if we got snowed in and could not make it to our wedding venue?
Cover would be provided should you or the majority of your guests be unable to attend the wedding due to adverse weather conditions.
What happens if the wedding is called off if the bride or groom get 'cold feet'?
Unfortunately, this is not covered!
What is the policy excess should we need to claim?
We only apply an Excess to the Public Liability section of cover, this is £150. We do not apply an excess to any other sections.

All schemes are underwritten by Equine & Livestock Insurance Co Ltd (E&L®) which is authorised and regulated by the Financial Services Authority (FSA) (registration number: 202748). This can be checked by visiting the FSA website at www.fsa.gov.uk, by calling the FSA on 0207 676 1000, or by writing to: The Financial Services Authority (FSA), 25 The North Colonnade, Canary Wharf, London E14 5HS.

Some schemes are brought to you via its appointed representatives who are Entertainment & Leisure Insurance Services (FSA registered number: 402234) and Entertainment & Leisure Insurance Services Ltd (FSA registered number: 402233). E&L® is a registered trademark.