Frequently Asked Questions

  1. Does this Policy cover Coronavirus/Covid-19 claims related?

    The policy does not cover claims and losses arising directly or indirectly from Coronavirus/Covid-19. Likewise claims and losses arising directly or indirectly from any government act, regulation or change of law are excluded.

  2. 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 specified period leading up to and including your wedding day.

  3. How do I purchase a covermywedding.co.uk Policy?

    The policy can be purchased by clicking on to www.covermywedding.co.uk or calling 0333 355 6184.

  4. How do I amend my Wedding Insurance Policy?

    To amend your policy please call our Customer Service Team on 0333 355 6184

  5. How can the premiums be paid?

    Payment is accepted by Credit or Debit Card.

  6. What is the main difference between the various cover levels?

    2 Star is our basic cover with cancellation cover up to £5,000
    3 Star is our standard cover with cancellation cover up to £10,000
    4 Star is our superior cover with cancellation cover up to £25,000
    5 Star is our elite cover with cancellation cover up to £40,000

  7. Is there cover for rearrangement of our wedding in the policy?

    You can only claim cancellation expenses as above or rearrangement costs as follows;
    2 Star Cover includes covers up to 75% of original Wedding Cost cover (Max £3,750)
    3 Star Cover includes covers up to 75% of original Wedding Cost cover (Max £7,500)
    4 Star Cover includes covers up to 75% of original Wedding Cost cover (Max £18,750)
    5 Star Cover includes covers up to 75% of original Wedding Cost cover (Max £30,000)

  8. What types of losses are covered are covered by the policy?

    This Wedding Insurance Policy provides coverage for the following different categories and types of potential loss or damage:
    • Cancellation or Rearrangement
    • Wedding Cars
    • Event Photographs
    • Ceremonial/Bridal Attire
    • Wedding and Attendant's Gifts
    • Wedding Rings
    • Loss of Deposits
    • Marquee Cover (subject to additional premium)

  9. Will a Covermywedding.co.uk Policy provide cover if the weather forces us to postpone or relocate our wedding?

    Yes, our Wedding Insurance Policy will provide cover if the weather conditions are extreme enough to prevent the Bride and/or the Groom, their families, or at least 50% of their wedding guests from attending the wedding or reception.

  10. If the Bride, Groom, or a close relative falls ill or has an accident before the wedding, will the 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 or the Groom from attending, Close Relatives are covered if an illness or accident occur within 3 months of the arranged wedding date and prevent them from attending. Any medical condition occurring or or before the date of buying this policy for which a treatment was received or for which they are on a waiting list for treatment or awaiting the results of the test/investigation is excluded. Any medical condition on the date of buying this policy that received a terminal prognosis will not be covered. See Definition of Close Relative in the policy wording.

  11. What happens if the Bride or the Groom decides to change their mind before the wedding?

    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.

  12. 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 Blue Insurance Wedding Policy cannot be purchased later than 30 days before your wedding or earlier than 24 months prior to your wedding.

  13. Does my Covermywedding.co.uk Policy cover weddings outside of the United Kingdom?

    No, our Wedding Insurance Policy does not cover Weddings taking place abroad with exception to the weddings taking place in the Republic of Ireland.

  14. 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 here for a competitive quote for travel insurance.

  15. 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.

  16. 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.

  17. 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).

  18. 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.

  19. 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.

  20. 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 Police.

  21. Does a Covermywedding.co.uk Policy have an excess?

    Yes, there is a nominal £35.00 deductible for each covered section except the Marquee extension which is £100.00.

  22. Whom do I call if I have to make a claim?

    You should call White Horse Administration Services Ltd on 0044 (0) 1733 224 845 or email: claims@white-horse.ie. White Horse Administration Services Ltd must agree any costs in advanced for rearranged weddings.

  23. 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.

  24. Does my Wedding Insuranceprovide Personal Liability cover?

    Personal Liability cover is provided in respect of the Bride and Groom only and will provide indemnity for Your legal liability arising from accidental injury to third parties or accidental loss of or damage to third party property.

    Additional extended Public Liability cover is available on our 3, 4 and 5 Star cover levels at additional premium to include cover for any persons invited to the Wedding or Wedding Reception by You.