FAQs

What is a Wedding Insurance Policy?
How do I purchase a covermywedding.co.uk Policy?
How can the premiums be paid?
What is main difference between the various cover levels?
Is there cover for rearrangement of our wedding in the policy?
What types of losses are covered are covered by the policy?
Will a covermywedding.co.uk Policy provide coverage if the weather forces us to postpone or relocate our wedding?
If the Bride, Groom, or a Close Relative falls ill or has an accident before the wedding, will covermywedding.co.uk Policy provide coverage?
What happens in the Bride or the Groom decides to change their mind before the wedding?
How far in advance should I purchase my covermywedding.co.uk Policy for my wedding to be covered?
Does my covermywedding.co.uk Policy cover weddings outside Ireland?
Does my covermywedding.co.uk Policy provide any coverage for my honeymoon expenses?
If we lose our wedding rings, are they covered?
Is my engagement ring covered by my covermywedding.co.uk Policy?
Does my covermywedding.co.uk Policy cover all wedding presents, including checks, gift certificates, etc.?
What happens if our photographer does not show up and a replacement is not available?
Are we covered if the photography is damaged or does not come out?
What happens if the rented Wedding cars do not arrive on the morning of the wedding?
Am I covered if the Bride's wedding dress or the Groom's tuxedo is damaged before the wedding?
Does a covermywedding.co.uk Policy have an excess?
Whom do I call if I have to make a claim?
How long does it normally take to resolve a claim?

1. What is a Wedding Insurance Policy?: The policy is a specialty insurance package with clearly defined sections that provide financial protection for certain types of potential losses resulting from your Wedding (e.g., postponement, theft of rings or presents, damage to dresses or wedding attire, and loss of deposits), during the period leading up to and including your wedding day.

2. How do I purchase a covermywedding.co.uk Policy?: The policy can be purchased by clicking on to www.covermywedding.co.uk or calling 0870 242 1014

3. How can the premiums be paid?: Payment is accepted by Visa, or Mastercard.

4. What do the various cover levels represent?: 2 Star is our basic cover with cancellation cover up to £5,000
3 Star is our standard cover with cancellation cover up to £9,000
4 Star is our superior cover with cancellation cover up to £18,000
5 Star is our elite cover with cancellation cover up to £40,000

5. Are we cover for rearrangement of our wedding?: Yes As follows;
2 Star Cover includes covers for up to 75% of original Wedding Cost cover (Max £3,750)
3 Star Cover includes covers for up to 75% of original Wedding Cost cover (Max £6,750)
4 Star Cover includes covers for up to 75% of original Wedding Cost cover (Max £13,500)
5 Star Cover includes covers for up to 75% of original Wedding Cost cover (Max £30,000)

6. What types of losses does the covermywedding.co.uk Policy cover?: A Wed Safe Event Insurance Policy provides coverage for the following different categories and types of potential loss or damage:
• Event Cancellation or Postponement
• Extra Expense
• Event Photographs
• Special Attire
• Special Gifts
• Special Jewellery
• Loss of Deposits
• Marquee Cover (subject to additional premium)

7. Will a covermywedding.co.uk Policy provide coverage if the weather forces us to postpone or relocate our wedding?: Yes, our Wedding Insurance Policy will provide coverage if the weather conditions are extreme enough to prevent the Bride and/or the Groom, their families, or the majority of their guests from attending the wedding or reception.

8. If the Bride, Groom, or a family member is in an accident or falls ill before the wedding, will a covermywedding.co.uk Policy provide coverage?: Yes, our Wedding Insurance Policy will provide coverage if the wedding and/or reception is postponed due to an accident or illness that prevents the Bride, the Groom, or their Close Relatives from attending, provided any illness is not related to a pre-existing medical condition. See Definition of Close Relative in the policy wording.

9. What happens in the event either the Bride or the Groom decides to change their minds?: The coverage provided under our Wedding Insurance Policy is triggered only by a fortuitous external event (such as a death of a close relative), and not one within your control or knowledge, such as a voluntary decision not to proceed due to a change of heart.

10. How far in advance should I purchase my covermywedding.co.uk Policy for my wedding to be covered?: You should purchase our wedding Insurance Policy as soon as you start to incur costs such as placing deposits with a venue, caterer, etc. However, a Wed Safe Event Insurance Policy cannot be purchased later than 15 days before your wedding or earlier than 24 months prior to your wedding.

11. Does my covermywedding.co.uk Policy cover weddings outside the Ireland?: Yes, our Wedding Insurance Policy does cover Weddings taking place abroad. Please note however that Personal Liability is excluded for Weddings taking place in the United States and Excess Waiver cover is not applicable to Weddings abroad.

12. Does my covermywedding.co.uk Policy provide any coverage for my honeymoon expenses?: No, it is important that you have Honeymoon Travel Insurance when travelling abroad. Click on the link at the top of our home page to purchase competitive Travel Insurance.

13. If we lose our wedding rings, are they covered?: Yes, if your wedding rings are lost at any time during the 7 days preceding the wedding and 24 hours after, they are covered up to the applicable Sum Insured set forth on your specific Wedding Insurance Policy.

14. Is my engagement ring covered by my covermywedding.co.uk Policy?: No. Our wedding Insurance Policy provides coverage only for the wedding bands to be exchanged during the ceremony, not for an engagement ring. It is recommended that you insure your rings on your household policy.

15. Does my covermywedding.co.uk Policy cover all wedding presents, including checks, gift certificates, etc.?: Yes, wedding presents that are lost or damaged within 7 days before or 24 hours after your wedding (while in transit between your wedding and home or while entrusted to a third party) are covered up to the applicable Sum Insured set forth on your specific covermywedding.co.uk Policy (the maximum Single Item limit is £250 including pair or set).

16. What happens if our photographer does not show up and a replacement is not available?: A covermywedding.co.uk Policy will cover the cost of re-convening the wedding party on another day, for the purpose of taking new wedding photographs, up to the applicable Sum Insured set forth on your specific covermywedding.co.uk Policy.

17. Are we covered if the photography is damaged or does not come out?: Yes, a covermywedding.co.uk Policy provides coverage for the loss or damage) to the original film or the negatives before the finished photographs are received, up to the applicable Sum Insured set forth on your specific covermywedding.co.uk Policy.

18. What happens if the rented Wedding Cars do not arrive on the morning of the wedding?: Simply make alternative arrangements and keep a full record of the costs involved so you may file a claim once the wedding has been successfully completed.

19. Am I covered if the Bride's wedding dress or the Groom's tuxedo is damaged before the wedding?: Yes, a covermywedding.co.uk Policy provides coverage for wedding attire that is lost, stolen, or damaged before the wedding, except for loss or damage resulting from the attire left in any unattended vehicle or failure to report the loss to Gardai/Police.

20. Does a covermywedding.co.uk Policy have a policy excess?: Yes, there is a nominal £35.00 deductible for each covered section except the Marquee extension which is £100.00.

21. Whom do I call if I have to make a claim?: You should call our Loss Adjusters Travellers Protection Services Ltd 0870 7744199 and you can also print off a claim form on our home page. GAB Robins must agree any costs in advanced for rearranged weddings.

22. How long does it normally take to resolve a claim?: If the paperwork and documentation are readily available, then a claim will be settled promptly.