Deposits covered prior to taking out the policy
We will cover any deposits that you've paid to your suppliers before you buy the policy, providing you are not aware of any reason to expect a claim to arise at the time you purchase the policy. Please note that this cover begins 14 days after you buy the policy.
Some of our competitors exclude deposits that are paid prior to purchasing the policy, meaning that if you have paid a deposit for your venue and you have to cancel you will not be able to claim this money back with their policy.
Cover for medical conditions
Some wedding insurance policies exclude any medical condition you or a close relative may have. So if you have to cancel or rearrange the wedding due to an existing medical condition you would be unlikely to have a claim met by the insurer.
However, we will cover these conditions as long as you and any close relatives, upon whom the wedding relies, can comply with the medical declaration when you take out the policy. If you cannot comply with this declaration then unfortunately we are unable to provide cover for claims relating to these conditions under the policy.
If you are unsure then please call us on 01603 626904.
Financial failure of venue or caterers
Many of our competitors would consider the financial failure of a venue or caterer under that specific section of their policy. However, the loss of a venue or caterer due to financial failure could mean that you have to cancel or rearrange the wedding entirely and the amount you can claim back under the financial failure section may be inadequate for your needs.
Our wedding insurance includes the financial failure of the venue or caterer in the cancellation and rearrangement section, meaning that you can claim up to the cost of the entire wedding if necessary, so you will not be out of pocket if your venue or caterer goes bankrupt or into liquidation.
A happy customer...
I’m really glad my daughter took out Wedding insurance through PolicyDirect! She and her Fiancé had paid out a four figure deposit and the venue went into administration less than 6 months before the wedding day. It was an extremely stressful time for everyone. Both the venue owners and their administrators were downright unhelpful. However PolicyDirect advised them to make a claim which was readily accepted and the Insurers paid up without delay. That enabled them to book a new venue and allowed them to continue with their plans. I’d advise all Brides and Grooms to buy Wedding Insurance from PolicyDirect. Weddings are stressful enough so any extra help and peace of mind is invaluable.
— Mr P, Norfolk
We charge no excess on ANY part of the policy; most of our competitors charge an excess if you need to make a claim.
Rearrangement costs up to 75% of cancellation
You can claim up to 75% of the cancellation cost if you incur additional costs due to having to rearrange your wedding for one of the insured reasons.
Many of our competitors only cover 50% of the cancellation cost in the event of rearrangement, which may not be adequate if you have to rearrange your wedding at short notice.
Public Liability extendable to your guests
Public liability covers individuals in the event of accidental injury to a third party or accidental damage to third party property.
Some cheaper wedding policies, whilst covering the bride and groom, do not allow for public liability cover to be extended to the guests. Our wedding insurance allows you to extend the public liability cover to your guests for a small additional premium.
Weddings abroad at no extra cost
Some policies will only cover weddings happening in the UK. With our policy, if your wedding is abroad you are covered at no additional cost. Please note that our wedding insurance does not cover anything to do with travelling to the country you are getting married in, for this you need travel insurance to protect you in case you have to cancel the holiday booking and/or flights.
21 days between Wedding and Reception
Some cheaper policies require the wedding ceremony and reception to be on the same day in order to be covered.
Our wedding insurance allows there to be a gap of up to 21 days between the ceremony and reception. This is particularly useful, for instance, if you are getting married abroad but having the reception when you return to the UK and want both to be covered under one policy.