Wedding Insurance Cover - Get a Quote | Assetsure

COVID 19 Statement- Wedding Insurance

**** We have currently suspended new applications for our Wedding Insurance Product. We are currently assessing the impact of travel and public health advice relating to Coronavirus/COVID19 If you are an existing customer of Assetsure, we can assure you that your policy remains in place and the terms and conditions are unchanged.If you are an existing customer and have any questions relating to your policy, please contact our office on 0208 0033 190.****

Wedding Insurance from Assetsure

Have you considered Wedding insurance? For most people, it’s the biggest day of their lives, months, sometimes years of planning all culminating in that special day. The venue has been hired, the catering arranged, the photographer booked, wedding attire designed and purchased and everyone looking forward to a wonderful occasion.

With the average cost of a wedding now in excess of £15,000 and the fact we all know events don’t always run as smoothly as we hope, we believe when planning your big day, you should include the cost of a wedding insurance policy within your budget.

Do I need wedding insurance?

You may find that some items such as clothing and presents are covered under your home insurance; you may also receive some protection from your credit card company, however, many of the eventualities covered by a specialist wedding insurance policy will not be available elsewhere.

When should I arrange cover?

In our opinion you should arrange to cover your wedding as soon as you start making arrangements and spending money. Although the policy is designed to cover a specific day or days (if your wedding and reception are at different times), the cancellation section will come in to operation from the day you pay for your cover.

You may find that some venues and service providers will not return deposits in the event of cancellation and you may be left out-of-pocket and insurance can help to cover your expenses.

If you are planning a wedding at some distance in time, there are a number of events that could happen that you are simply unable to predict. For example certain occupations may need either the bride or groom to work, these include police, fire and ambulance services and if a member of the armed forces, you may unexpectedly be posted overseas. Redundancy cover may also be included which is often extended to include persons making a significant financial contribution to the wedding. There is also of course the chance of a death in the family of either the bride groom or civil partners or a close member of the family which would make continuing with the wedding inappropriate.

What cover is available?

Wedding policies usually cover a range of specific events relating to a specific day or days. These can include; cancellation and rearrangement, loss or damage to wedding attire, loss or damage to wedding gifts and rings, non-appearance or failure of any supplier such as venue, flowers, transportation, wedding official; personal accident, legal expenses, personal liability, public liability and the ability to add extensions to include such things are marquees or even cover a wedding overseas

See what customers are saying about our cover...

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Your Questions Answered

General Policy questions

General Policy questions Claims

Can I pay monthly?: Assetsure Wedding insurance must be paid for in full at the time cover is taken out.

Can I see a copy of the policy wording and summary of cover?: Yes these are readily available on this site. When you buy a policy, your documents will be e-mailed to your immediately. We will also supply duplicates free of charge at any time.

Can I upgrade my cover?: Yes you can, if as your wedding plans develop you need to increase the limits of cover or add an extension, we are happy to do this, we will simply charge you the difference between the levels of cover and a small administration fee.

How do I make a claim?: Please read your policy document carefully, certain claims or notifications of potential claims need to be made within certain time limits. All the numbers you need are in your policy booklet and all calls are dealt with in the United Kingdom.

Must I be a United Kingdom resident to take out a policy?: Yes - the person purchasing a policy must be resident in the United Kingdom. Policies can be purchased by either the bride or groom or civil partners or a relative arranging cover on their behalf (such as a parent or guardian or a person with a significant financial interest in arranging the wedding) We also require that at least one of the prospective marriage or civil partners lives in the United Kingdom.

Is my Honeymoon Insured?: No- We do not cover honeymoons, we suggest that you purchase separate travel insurance to cover your honeymoon.

Can I cancel my policy?: We allow you a 30 day cooling off period during which time you are free to cancel your policy and obtain a full refund. Beyond 30 days, there is no return of premium allowable.

What if we decided not be get married: This is an event we cannot cover you for, if you simply change your mind, there is no cover under the policy and if it is after the 30 day cooling off period, we are also unable to return the premium to you.

Who can be covered under this policy?: Normally our policies are taken out by the bride or groom or civil partners but if a parent or guardian is arranging or paying for the wedding, often they want the policy to be issued in their names. We can also cover persons that make a significant financial contribution to the wedding arrangements are will happily insure joint interests. Just ask us at the time you buy your cover.

Do I have to pay a contribution towards any claim?: Our policy excess is set at a very reasonable £25.00 for any claim(s) arising from a single event. This amount is increased to £250.00 in respect of liability claims and claims for ceremonial swords.

What if my wedding and reception are on different days?: No problem, just tell us when taking out your cover and we will cover both days providing they are no more than 21 days apart.

Can I cover an overseas wedding?: Yes- we do cover weddings overseas but there are restrictions on the countries we can cover.
If a country is on our drop down menu we can cover it. Certain sections of our policy are not available outside of the United Kingdom, for example we cannot cover; public liability, marquees or ceremonial swords outside of the United Kingdom and personal liability cover is not available in the USA and Canada.
Please also remember that our policy is a Wedding Insurance cover, it is not designed to offer Travel Insurance which you will need to obtain separately.

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