Did you know that wedding insurance can cover the costs of rearranging an entire wedding if a close relative is too ill to attend, or is unable to attend because they have been injured in an accident? We take a look at what sort of eventualities are covered by wedding insurance.
What would be covered?
Usually, policies will cover expenses incurred when the wedding ceremony or reception must be cancelled for most reasons beyond your control. If you need to cancel your wedding because of death or illness, the cost of rearranging your wedding will usually cover items such as ceremonial attire, bridal attire and wedding services that have been booked (but not used).
Note that there will often be a limit up to which you are insured, so check your policy wording to ensure that you have sufficient cover.
Examples of unexpected illnesses where insurance would pay for the cost of rearranging your wedding include, but are not restricted to:
- Terminal illness diagnosis of a close relative prior to the event (but after taking out the policy);
- Hospitalisation of a close relative due to illness or injury;
- Illness of the bride or groom which means they cannot get to the wedding venue.
For more information about how wedding insurance can cover the cost of having to rearrange or cancel your wedding, please refer to our previous article.
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Please see the full comparison table for all levels of cover available from these insurers.
Who would be covered?
Of course, you are unlikely to need to cancel your wedding because the second cousin twice removed from your work colleague has the flu. However, if a parent is taken into hospital with a serious illness, of course it would be appropriate to cancel the wedding so that the bride and groom can care for their ill relative. Policies usually define exactly what they mean by ‘close relatives’ in the policy wording, but usually include the death or illness of the bride, groom, civil partner, close family or key members of the wedding party – people without whom it would be inappropriate to go ahead with the wedding.
You may be required to make a medical declaration for every person that is ‘key’ to the wedding, as part of your insurance application.
Injury during the event
Many wedding insurance providers will not can not only cover rearrangement costs if a close relative is ill prior to the wedding, but usually will also offer public liability insurance. This means that if a guest or relative is injured at the wedding or reception, and the bride and groom are deemed liable, insurance will pay for your legal liability for accidental injury to any person or damage to their property.
What might not be covered?
Note that there are a few scenarios that are often not covered by standard wedding insurance – check your policy wording carefully if you are concerned. For example, you may not be covered for:
- Any circumstances that you know of when you take out the policy, and which are likely to cause the wedding, ceremony or reception to be cut short. For example, ongoing medical conditions, or conditions that you have been treated for (including consultations), in the 12 months prior to the insurance policy commencing;
- The Bride, Groom or partner deciding not to go ahead with the marriage/ceremony;
- Some injuries during the event , for example, liability claims due to you (or anyone on your behalf) using a mechanically propelled vehicle, bouncy castles and other inflatables, firearms, fireworks or other pyrotechnic devices or effects;
- Injuries due to extreme sports;
- Cancellation of weddings booked abroad.
Remember that there is usually an excess that you will be required to pay in the event of a claim. This varies from policy to policy, so ensure you are happy with the amount prior to taking out insurance.