Dreamsaver FAQs

Below are some commonly asked questions about Dreamsaver wedding insurance, if the answer to your query is not here then please call us on 01483 562 662 and we'll be happy to help.
  1. What is Wedding Insurance?
  2. Why do we need Wedding Insurance?
  3. What does Wedding Insurance cover?
  4. How much is Wedding insurance?
  5. Is wedding insurance paid monthly?
  6. When should we take out Wedding Insurance?
  7. Who can buy wedding insurance?
  8. I have already paid a deposit. Will this be covered?
  9. Does wedding insurance cover relative's money?
  10. We are getting married in a small civil ceremony with a larger church blessing & reception 2 weeks later. Are both dates covered?
  11. Can a Civil Partnership Ceremony be covered?
  12. We are getting married abroad. Can we take out a policy?
  13. My fiancé lives abroad. Can we take out a policy?
  14. My fiancé is in the Armed Forces. Are we covered if he is unexpectedly posted abroad?
  15. What about if one of us decides not to go ahead with the marriage after all?
  16. Is family bereavement covered by wedding insurance?
  17. What happens if the professional wedding photographs fail because the film or digital storage media is faulty and there are no copies available?
  18. I have an existing medical condition. Can this be covered?
  19. What happens if one of the suppliers goes bust?
  20. Our wedding venue is flooded just before the big day. Are we covered?
  21. We are hiring a marquee and will need to insure it. Is this included or can it be added to the policy?
  22. Our venue requires us to provide insurance in case any of us or the guests causes accidental damage during the reception. Is this included?
  23. Is my honeymoon or overseas wedding trip insured on this policy?
  24. Does the Dreamsaver policy have an excess?
 
What is Wedding Insurance?
A wedding insurance policy is designed to provide cover for a couple who wish to insure specific risks relating to their wedding celebrations, subject to the policy terms and maximum claim limits.
Why do we need Wedding Insurance?
When planning what will be one of the biggest and most expensive days of your life, no-one really wants 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.
What does Wedding Insurance cover?
To view what is covered by the Dreamsaver wedding insurance policy click here for the policy wording. However broadly speaking, subject to the policy terms and conditions the following elements are covered:
  1. Wedding cancellation or rearrangement
  2. Ceremonial attire
  3. Wedding gifts
  4. Rings, flowers, attendant's gifts and the wedding cake
  5. Cars and transport
  6. Photography and video
  7. Financial failure of wedding service suppliers
  8. Personal Accident
  9. Professional Counselling
  10. Legal Expenses
  11. Public liability (for the Bride and Groom)
There are also optional cover extensions that can be applied to the policy:
  1. Marquee cover
  2. Public liability (to cover for your guests)
  3. Ceremonial Swords cover
How much is Wedding insurance?
The cost of wedding insurance depends on the level of cancellation cover you have and if you add any extensions to the policy. The current prices for Dreamsaver wedding insurance without and extension are: Sliver - £25.00, Gold - £37.00, Amber £57.00, Platinum - £77.00 and Diamond - £104.00
Is wedding insurance paid monthly?
No, Dreamsaver wedding insurance is just a one-off payment, showing what excellent value for money it is.
When should we take out Wedding Insurance?
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.
Who can buy wedding insurance?
Anyone can buy a Dreamsaver Wedding Insurance, for instance parents of the bride or groom, but the policy must be in the bride and groom's name as it is their wedding being covered.
I have already paid a deposit. Will this be covered?
Yes - provided you are not aware of any particular circumstances that may give rise to a claim when you take out the policy.
Does wedding insurance cover relative's money?
Dreamsaver wedding insurance will cover money paid by relatives of the couple, providing they have a demonstrable financial interest, such as a receipt or booking confirmation.

All claims will have to be submitted by the insured couple and then passed on to the person who paid.
We are getting married in a small civil ceremony with a larger church blessing & reception 2 weeks later. Are both dates covered?
Both dates will be covered provided they are not more than 21 days apart. If your civil marriage and blessing/reception are more than 21 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 two events must be less that 21 days apart to be covered under the same policy.
Can a Civil Partnership Ceremony be covered?
Yes - we view this as just the same as a wedding.
We are getting married abroad. Can we take out a 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.
My fiancé lives abroad. Can we take out a policy?
Yes - provided one of you is normally resident here in the UK you can take out a policy.
My fiancé is in the Armed Forces. Are we covered if he is unexpectedly posted abroad?
Yes - provided that there was no notice of possible cancellation of leave at the time the policy was taken out.
What about if one of us decides not to go ahead with the marriage after all?
This is known as "disinclination to proceed" and is not insured, sadly.
Is family bereavement covered by wedding insurance?
Cancellation or rearrangements due to family bereavement is covered under section 1 of the Dreamsaver policy if it makes going ahead with the wedding inappropriate. However, you must answer the medical declaration for the policy in respect of all people whom your wedding plans depend before you purchase the policy. If you answer yes to any of the medical questions with regard to a relative, you will not be covered in relation to that medical condition. You will of course be covered for anything unrelated to that relative's condition.

If you are in doubt please contact us on 01483 562 662, before you purchase the policy.
What happens if the professional wedding photographs fail because the film or digital storage media is faulty and there are no copies available?
Then the reasonable costs of taking replacement formal photographs of the couple and the immediate Wedding party can be claimed.
I have an existing medical condition. Can this be covered?
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 562 662
What happens if one of the suppliers goes bust?
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.
Our wedding venue is flooded just before the big day. Are we covered?
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.
We are hiring a marquee and will need to insure it. Is this included or can it be added to the policy?
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.
Our venue requires us to provide insurance in case any of us or the guests causes accidental damage during the reception. Is this included?
The Bride and Groom's Public 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.
Is my honeymoon or overseas wedding trip insured on this policy?
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.
Does the Dreamsaver policy have an excess?
No, there are no excesses applicable under any section of the policy.