What is included in the Wedding Enhancement Package?

Wedding Enhancement Package Options: 

Cover

SILVER

GOLD

PLATINUM 

Cancellation up to:

$10,000

$15,000

$20,000

Rearrangement up to 75% of the original wedding cost in respect of rearrangement

$7,500

$10,000

$15,000

Wedding Attire:

$5,000

$7,500

$10,000

Wedding Presents:

$5,000

$7,500

$10,000

Wedding Rings:

$5,000

$7,500

$10,000

Wedding Flowers:

$5,000

$7,500

$10,000

Wedding Cake:

$5,000

$7,500

$10,000

Photography and Video:

$5,000

$7,500

$10,000

Failure of Suppliers:

$7,500

$10,000

$15,000

Transport:

$5,000

$7,500

$10,000

DEDUCTIBLE::

$250

$250

$250

PREMIUM

$50.00

$65.00

$80.00

 

WEDDING ATTIRE

Coverage for up to the amount stated on the binder of insurance issued online, if any wedding attire is lost or damaged within 48 hours before or after the wedding whilst in the Insureds possession.  The Insurer will cover the reinstatement or replacement of the wedding attire or dress hire charges that are necessarily incurred by the Insured.

What is not covered under this section:

  1. Any loss by theft not reported to the police within 24 hours of the loss being discovered
  2. Loss or damage arising from wear and tear, deterioration, depreciation, confiscation or detention
  3. Any claim received after 90 days from the date of loss

 

PRESENTS, RINGS, CAKE & FLOWERS

The Insurer will cover the Insured, following loss or damage to any wedding presents, wedding rings, wedding cake, attendants' presents or flowers during the period of 7 days prior to the wedding date shown on the individual binder of insurance online and up to 24 hours after the reception date shown on the individual binder of insurance issued online, whilst at the Insured’s home or at the reception location shown on the individual binder of insurance issued online or in transit between these locations. The Insurer will replace or will pay the reasonable cost of replacing such items or make good such damage up to the amount shown on the individual binder of insurance issued online.

What is not covered under this section:

  1. Any loss by theft not reported to the police within 24 hours of the loss being discovered;
  2. Loss or damage by theft or attempted theft of any wedding present left in any unattended vehicle, unless the property is left in the locked trunk of the vehicle, concealed from view and there is evidence of violent, visible and forcible entry thereto;
  3. Loss or damage by theft or attempted theft of any wedding present left unattended or kept in an unlocked room, while at the reception;
  4. Loss or damage arising from wear and tear, deterioration, depreciation, confiscation or detention.
  5. items of cash, which are lost or stolen

 

PHOTOGRAPHS & VIDEO

The Insurer will cover the Insured, up to the amount shown in the policy schedule, for all expenses necessarily incurred to retake the wedding photographs/video as a direct and necessary consequence of the following: Non-appearance on the wedding day for any reason of the professional photographer/professional video operator booked for the wedding;

  1. Loss of or damage to the original film, negatives or digital media by any cause before copies are made;
  2. Non-development of the original film, negatives or digital media. Cover also includes the original video produced by the professional camera operator

What is not covered under this section:

  1. Loss or damage arising from wear and tear, deterioration, depreciation, confiscation or detention

Coverage under this section will only apply if notification of the covered claim is provided to the Insurer within 7 days of the wedding date shown on the individual binder of insurance issued online. All retakes must take place within 30 days of the wedding date shown on the individual binder of insurance issued online.

 

FAILURE OF SUPPLIERS

The Insurer will cover the Insured, following any supplier booked to supply transport, accommodation, catering, photographs, flowers, wedding attire or any other wedding services ceasing trading because of bankruptcy, liquidation or any other formal insolvency proceeding, up to the amount shown in the policy schedule for the following:

  1. Irrecoverable deposits;
  2. Additional costs in arranging alternative equivalent services

What is not covered under this section:

  1. Any costs, which would have been incurred, had the original supplier not ceased trading
  2. Any amounts recoverable under Sections 3 or 5

 

TRANSPORT

The Insurer will cover the Insured, following the failure of any vehicle hire firm or any other person to provide wedding transport in accordance with any agreement or obligation with the Insured, including non-appearance or breakdown of or accident to the vehicle, up to the amount shown in the policy schedule for the following:

  1. Irrecoverable deposits
  2. Additional costs in arranging alternative equivalent services

What is not covered under this section:

  1. Contracts, which are not in writing
  2. Any costs, which would have been incurred, had the original supplier provided the agreed service
  3. Ownership or use of trampolines, bouncy castles or other inflatables
  4. Any liability incurred by the Insured more than 24 hours before or 24 hours after the wedding date

 

 

CANCELLATION OR CURTAILMENT & REARRANGEMENT

What is covered under this section:

Cancellation or Curtailment:  The Insurer will cover the Insured, up to the amount shown in the policy schedule, for any irrecoverable expenses incurred by you in respect of transport, accommodation, catering, photographs, flowers, wedding attire and services from any other suppliers booked but not used as a result of unavoidable and unexpected cancellation or curtailment of the wedding or reception made necessary by any cause beyond the Insureds control happening in the geographical limits, except as specifically excluded under What is not covered under this section or under the exclusions applying to the whole policy.

Rearrangement: The Insurer will cover the Insured for any extra costs of alternative wedding services incurred to avoid cancellation of the wedding or reception. The most the Insurer will pay for these additional costs is 75% of the cost of the original wedding cost, but never more than the monetary amount shown in the policy schedule.

What is not covered under this section

1. Any claim arising from:

(a)        the bride, groom or either civil partner's disinclination to

(b)       the death, injury, illness, compulsory quarantine, witness summons or jury service of any person(s) other than members of the wedding party

(c)        any illness of which the Insured were aware prior to purchasing this insurance

(d)       lack of funds to continue with the wedding or reception, apart       from redundancy of any member of the wedding party, which occurs after the date of issue of the policy and qualifies for payment under redundancy law

(e)       the bride or groom or either civil partner being required to be overseas for the purposes of his/her trade, profession or business if this requirement was known about prior to purchasing this insurance; or any other member of the wedding party or any wedding guest being required to be overseas for the purpose of     his/her trade, profession or business whether or not this was known or foreseeable prior to purchasing this insurance

2. Any claim arising directly or indirectly from injury, illness or death of any person caused by:

(a)        suicide or attempted suicide or self-inflicted injuries

(b)        pregnancy or childbirth unless the expected date of confinement is more than two months after the wedding date

(c)       the influence of drugs (unless they are prescribed by a qualified medical practitioner but not to treat drug addiction) or the effects of alcohol

(d)       any hazardous activity or feat such as flying (other than as a fare-paying passenger on a recognised commercial airline), sky-diving or sky-surfing, parachuting, driving or riding in any kind of official and/or organised racing competition, rally or trial, rock climbing or mountaineering normally involving the use of ropes or guide, potholing, bungee jumping, parascending, canyoning, hang gliding, and skin-diving involving the aid of breathing apparatus other than whilst accompanied by and under the instructions from a qualified instructor

3. Any expenses incurred (or agreed to be incurred) after the Insured knew of circumstances likely to lead to the Wedding or Reception having to be cancelled or curtailed.

4.  Any claim arising from nonattendance of wedding guests unless due to adverse weather conditions preventing at least 50% of the guests from attending

All subject to a $250 deductible

Click here to read to full policy wordings for terms, conditions and exclusions