Wedding Enhancements

Optional Coverage available under the Front Row Wedding Insurance Program:

WEDDING CANCELLATION INSURANCE 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.

 

WEDDING  REARRANGEMENT INSURANCE: 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.

 

HONEYMOON CANCELLATION INSURANCE:   The Insurer will cover the Insured, up to the amount shown on the binder of insurance issued online, if the Insureds pre-booked honeymoon is not taken as a direct result of the Insureds wedding being cancelled under the terms and conditions stated in this policy.

 

WEDDING ATTIRE INSURANCE:  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.

 

Wedding insurance

INSURANCE FOR WEDDING 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.

 

INSURANCE FOR WEDDING 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;

 

WEDDING INSURANCE FOR TENTS / MARQUEES: Tents: Hired tents or tents including gazebos, staging, flooring, chairs and tables

 

RENTED EQUIPMENT: Including but not limited to cameras, sound and lighting equipment and portable electrical equipment

 

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:

  • Irrecoverable deposits;
  • Additional costs in arranging alternative equivalent services
  • What is not covered under this section:
  • Any costs, which would have been incurred, had the original supplier not ceased trading
  • 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:

  • Irrecoverable deposits
  • Additional costs in arranging alternative equivalent services