Wedding Insurance Cover - Australia

Here at weddinginsurancecover.com.au we are pleased to offer you wedding insurance from two of the leading online wedding insurance companies in Australia.

Insure4Less Wedding Insurance
Gold
Cover
Platinum
Cover
Diamond
Cover
Premium $199 $299 $379
Excess $75 $75 $75
Limits of Cover
Cancellation $15,000 $22,500 $30,000
Gifts $5,000 $10,000 $20,000
Marquee Hire None $25,000 $25,000
Photographs & Video $3,000 $6,000 $9,000
Public Liability $5m $5m $5m

for $199

for $299

for $379
WeddingInsuranceDirect Wedding Insurance
Gold
Cover
Platinum
Cover
Diamond
Cover
Premium $195 $295 $395
Excess $100 $100 $100
Limits of Cover
Cancellation $6,000 $15,000 $30,000
Gifts $2,500 $7,500 $10,000
Marquee Hire None $7,500 $15,000
Photographs & Video $2,000 $5,000 $10,000
Personal Liability $1m $1.5m $2m

for $195

for $295

for $395
X 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.

X 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.

X 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.

X 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.

X 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.

X 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.

X 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.

X 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.

X 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.

X 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.

X 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.

X 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.

Please Note: The issuer of insure4less wedding insurance is Ansvar Insurance Ltd - AFSL 237826. The issuer of weddinginsurancedirect wedding insurance is Calliden Limited - AFSL 284889.

Important: Please refer to the Product Disclosure Statements for each policy for the full terms and conditions including what is not covered before considering whether to purchase the product. A copy of the Product Disclosure statement is available from the websites by clicking on the links.

These tables are updated regularly and reflect only some of the cover offered by our advertisers. If you visit the websites by clicking on the links, a more comprehensive and detailed summary of the policies offered by these providers is shown. Before taking out a policy be sure that you fully understand what you are covered for. For example whilst all insurance providers listed offer cover on gifts, there is a variation on how much can be claimed for if money or vouchers go missing. These sort of details should all be covered on the providers websites.

Wedding Insurance Buyers Guide

Your wedding will be one of the biggest and most special days of your life. So having wedding insurance can you give you peace of mind when you are planning the big event.

Wedding insurance like all insurance products is designed to provide financial protection should things not quite work out as planned.

However not all insurers will offer the same level of protection, so as always it pays to do your research and make sure that are happy with the level of cover being offered.

At weddinginsurancecover, we have put together some of the points you need to consider when taking out wedding insurance.

Levels of cover to compare when taking out wedding insurance are:

  • Cancellation costs / Re-arrangement costs
  • Loss of photographs & video
  • Failure of suppliers
  • Wedding cars & transport
  • Contract disputes with suppliers
  • Wedding attire
  • Wedding presents, rings, attendants' gifts & flowers
  • Wedding documents
  • Marquees & hired equipment
  • Public & Products liability
  • Personal accident
  • Professional counseling

Remember there is no such thing as the “best wedding insurance”. All wedding insurance policies are different, so it’s important to read the Product Disclosure Statements to understand what is and more importantly what is not covered.

Other things to consider

  • Are you covered if you get married abroad?
  • What about travel insurance for your honeymoon?
  • What would happen if one of the key suppliers went bankrupt?
  • Regardless of Insurance, what are the cancellation requirements with your suppliers? Will your deposit be refunded in full?, are there any additional penalties you will face?

Important Note:Interweb takes time and effort to try to make certain we display the financial promotions above in the same way they were presented to us. We also try to only accept adverts from advertisers who are well known in their own field. We do not provide the services or products described in the promotions above we simply display the adverts. We do not test the products and services and therefore we can not provide any promise, endorsement or warranty over the information products and services described in these promotions. We always suggest that you discuss the products and services in detail with the providers if you are uncertain over any item.

Poll

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