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.
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.
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:
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 - £27.00, Gold - £40.00, Amber £60.00, Platinum - £85.00 and Diamond - £115.00
No, Dreamsaver wedding insurance is just a one-off payment, showing what excellent value for money it is.
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.
Anyone can buy a Dreamsaver Wedding Insurance policy, 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.
Yes - provided you are not aware of any particular circumstances that may give rise to a claim when you take out the policy.
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.
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.
Yes - we view this as just the same as a wedding.
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 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.
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 806 680, before you purchase the policy.
Then the reasonable costs of taking replacement formal photographs of the couple and the immediate Wedding party can be claimed.
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.
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.
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.