Premium

A Premium is the amount you have to pay for the policy. For wedding insurance, this is a one off payment as wedding Insurance is not a renewable insurance product. You can buy your policy online.

Excess

The excess is the amount you have to pay when making a claim. So for example, it you need to make a claim on your wedding insurance and the excess is $75, you have to pay the first $75 of the claim.

Cancellation & re-arrangment costs

The insurer will reimburse you up to the amount shown in the table of limits, for any irrecoverable expenses incurred by you in respect of transport, accommodation, catering, photographs, flowers or hired wedding attire of the bridal party and services from any other suppliers booked but not used as a result of unavoidable cancellation or curtailment of the wedding made necessary by any cause beyond your control except as specifically excluded under ‘What is not covered’ which is contained within the insurers Product Disclosure Statement.

The insurer will also pay any extra costs of alternative wedding services incurred to avoid cancellation of the wedding up to the amount shown in the table of limits provided such extra costs shall take into account the amount of reimbursement made earlier.

This is a summary of what is covered. Please refer to the insurers Product Disclosure Statement for the full terms and conditions including what is not covered.

Marquees & hired equipment

The insurer will pay up to the amount shown in the table of limits in respect of loss or damage to marquees or tents including gazebos, staging, flooring, chairs, tables, furniture, household or lighting equipment hired during the wedding period.

This is a summary of what is covered. Please refer to the insurers Product Disclosure Statement for the full terms and conditions including what is not covered.

Photographs and video

The insurer will pay up to the applicable amount shown in the table of limits, all expenses necessarily incurred to retake the wedding photographs as a direct and necessary consequence of the following:

1. Non-appearance on the wedding day for any reason of the professional photographer booked for the wedding;
2. Loss of or damage to the original photographic record by any cause not excluded in this policy before copies are made;
3. Non-development of the original photographic record (other than under or over-exposure);

Provided such expenses are incurred within 90 days of the wedding. Cover also includes up to the amount stated, all expenses necessarily incurred to retake wedding videos, resulting from the non-appearance on the wedding day for any reason of the professional video operator booked for the wedding; and payment for loss or damage by any cause to the original video tape produced by the professional video operator before copies are made.

Wedding photographers are often an expensive and important addition to make your wedding day a memory which can be relived through photographs and video.

This is a summary of what is covered. Please refer to the insurers Product Disclosure Statement for the full terms and conditions including what is not covered.

Public Liability

The insurer will pay up to the amount shown in the table of limits for any one accident or series of accidents arising out of or attributable to the one source or original cause; plus defence costs and expenses which we have agreed to in writing, to indemnify you against your legal liability for:

• accidental bodily injury including death, disease or illness; or
• accidental damage to property;

which happens in Australia and is in connection with the wedding.

This is a summary of what is covered. Please refer to the insurers Product Disclosure Statement for the full terms and conditions including what is not covered.

Cancellation & re-arrangment costs

Coverage for the cancellation of booked venue for the wedding as the result of events such as illness of the bride, groom or their close relatives, adverse weather and non-attendance of the officiating minister or registrar.

This is a summary of what is covered. Please refer to the insurers Product Disclosure Statement for the full terms and conditions including what is not covered.

Marquee Cover (This cover for use in Australia only)

The insurer will reimburse you in the event of loss of or damage to a Marquee occurring during the period of hire. Cover under this section includes cancellation/curtailment and rearrangement as a direct result of loss of or damage to the Marquee.

This is a summary of what is covered. Please refer to the insurers Product Disclosure Statement for the full terms and conditions including what is not covered.

Photographs and video

The insurer will reimburse you for unforeseen expenses necessarily incurred to take/re-take Wedding photographs or videos.

This is a summary of what is covered. Please refer to the insurers Product Disclosure Statement for the full terms and conditions including what is not covered.

Personal Liability (Bride and Groom Only. Excluding liability in USA or Canada)

The insurer will reimburse you for your legal liability for accidental Personal Injury and accidental damage to property arising out of or in connection with the Wedding. We will also pay any legal costs and expenses that we incur or you incur with our written consent in the investigation, settlement or defence of any claim made against you for which you are covered for under this Policy.

This is a summary of what is covered. Please refer to the insurers Product Disclosure Statement for the full terms and conditions including what is not covered.

Wedding presents, rings, attendants' gifts & flowers

Following loss or damage which is covered by this policy to any wedding presents, wedding rings, wedding cake, attendants' presents or flowers during the wedding period, whilst at your home or at the reception or in transit between these locations, the insurer will replace or pay the value of such items or make good such damage up to the applicable limit shown in the table of limits.

This is a summary of what is covered. Please refer to the insurers Product Disclosure Statement for the full terms and conditions including what is not covered.

Gifts

The insurer will pay up to the amount stated in the Certificate of Insurance for loss of or damage to Wedding Gifts as a result of accidental damage, fire or theft while they are being stored by You or a Close Relative. This cover also applies while the gifts are in transit or on display at the Reception.

This is a summary of what is covered. Please refer to the insurers Product Disclosure Statement for the full terms and conditions including what is not covered.