Wedding Insurance FAQs

If the following FAQs don't answer your query please have a look at our General FAQs section.

Does the cover for wedding presents include money and vouchers?
No, unfortunately vouchers and money are not covered.
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Does the insurance cover my honeymoon?
Unfortunately not, the honeymoon will be covered by your travel insurance.
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I have already put down a deposit, but not yet taken out insurance. Will it be covered?
Yes, anything already booked or paid will be fully covered as long as you have an invoice or receipt for the payment and as long as the deposit was not put down more than 2 years prior to the ceremony date.
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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.
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We are having a winter ceremony. 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 ceremony due to adverse weather conditions.
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What happens if any hired ceremony attire gets lost or damaged?
Damage to wedding attire whether bought or hired is covered under the policy.
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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.
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What happens if my dress is lost, stolen or damaged before I get married?
Should the dress be lost, stolen or damaged 24 hours prior to the wedding we will pay for a replacement dress or dress hire charges based on the original purchase price of the dress.
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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.
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What happens if one of us gets 'cold feet' prior to the ceremony?
Unfortunately, this is not covered! However, we do provide cover for professional counselling as a result of the unavoidable and permanent cancellation of the wedding due to either the bride or bridegroom electing not to go ahead with the marriage.
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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 we will help with the cost of re-arrangement with another venue.
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What happens if the wedding is cancelled?
Unfortunately some weddings do have to be cancelled and this could be for numerous reasons. If you have to cancel, the reason behind the cancellation will be assessed, so it is always worthwhile keeping any receipts and/or contracts in a safe place. These will be used to help you with your claim.
Upon claiming, a claim form will need to be submitted to us and we will require certain documentation from you. This will vary dependant on the nature of the claim.
Payment made will be dependent on the band of cover chosen. We aim to make the claims process as easy as possible for you.
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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.
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What happens if the wedding photographs do not develop?
We cover you up to the amount stated in the schedule for all expenses incurred in the necessary retaking of the official wedding photographs or video/DVD following due to loss of or damage to the original film, negatives or video tape/DVD before copies are made or the film developed or due to faulty materials causing non-development of the original film or negatives (except under- or over-exposure). This extends to the non-appearance of the professional photographer or video/DVD operation booked for the wedding.
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What is the policy excess should we need to claim?
We only apply an Excess to the Public Liability claims and Marquee cover claims, the excess on these sections is £99.
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What would happen if we damaged the marquee?
If the Optional Extension premium has been paid we pay up to £50,000 for any accidental loss or damage to the marquee caused by the wedding party.
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When should we take out wedding insurance?
It is recommended that you take out Wedding Insurance as soon as you make any bookings or pay any deposits towards your wedding. Insurance can be taken out up to 2 years prior to the wedding or as little as 21 days before the big day.
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Who can take out the wedding insurance policy?
Wedding Insurance can be taken out by the bride, groom or any member of the immediate bridal party.
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