What is Wedding Insurance?
Wedding insurance exists to give you financial protection should things go wrong before or during your wedding day. Unfortunately, no wedding insurance policy will cover either of the couple getting 'cold feet' and not wanting to get married.
Although it is called Wedding Insurance, Dreamsaver can also cover Civil Ceremonies (civil partnerships). It is not event insurance and cannot provide cover for 21st birthday parties and other celebrations of this type. These can be covered under our Party Insurance policy.
Our Party Insurance product may also be more appropriate for Wedding blessings and Renewal of Vows.
Unlike some wedding insurance policies, under the Dreamsaver policy the wedding reception does not have to be on the same day of the wedding ceremony, there can be a maximum of 21 days between the ceremony and reception.
Dreamsaver does not charge any additional premium if you are having your wedding abroad (although some sections are not available).
To see what is covered by the policy please click here to read the policy wording
How much cover do I need?
The level of cover for Wedding insurance is usually determined by the total cost of the wedding, i.e. how much it would cost insurers if your wedding was cancelled
If you underinsure your wedding then the maximum you will receive in the event of cancelling the wedding is the level of cover you have paid for. If you are unsure of the total cost of your wedding click here to use our wedding cost calculator
If you find that during the course of organising your wedding that costs increase beyond the level of cover you have bought please call us on 01483 562 662 and we will be happy to arrange increasing your level of cover (subject to payment of additional premium)
Before your Wedding
Dreamsaver Wedding Insurance can be purchased up to 2 years before your wedding ceremony. Buying it this early will protect any deposits you make (and indeed any deposits paid before you bought the policy, subject to policy terms and conditions) from the financial failure of wedding service suppliers.
This also covers professional wedding planners. The policy does not cover Wedding Gift suppliers.
The reasons for cancellation or rearrangement that are covered by the Dreamsaver policy are in section 1 of the policy wording, but include the death or illness of the couple or a close relative that would make the continuance of the wedding inappropriate.
It also covers the unforeseen posting of a member of the armed forces, providing the serving person has previously had their leave agreed by their commanding officer.
Redundancy of one of the couple is covered, providing the wedding insurance policy is taken out 8 weeks prior to the notice of redundancy being given.
During the Wedding
Dreamsaver Wedding Insurance covers you during the day for things such as additional costs for alternative transport should the wedding cars not appear or breakdown.
The policy also covers you to cancel or rearrange the wedding if the officiating minister or registrar does not turn up
After the Ceremony
Dreamsaver wedding insurance was designed to insure one wedding ceremony and one reception, therefore it provides certain elements after the ceremony
The bride and groom are covered by personal liability in case they cause any accidental loss or damage to third party property. This can be extended to all the guests with the appropriate additiona premium. Please note this cover in unavailable for weddings taking place in the USA or Canada.
Wedding rings are covered against loss or accidental damage up to 24 hours after the wedding ceremony.Source: www.weddinginsurance.co.uk