What's covered
From damage to the bridal attire to the loss or damage to the wedding gifts, the Wedding Insurance Direct Policy covers the wide range of events that may occur during the planning and day of a wedding. We advise you read the Wedding Insurance Direct - Policy Wording for more detail on what is covered.
| THE COVERAGE | GOLD ($195) |
PLATINUM ($295) |
DIAMOND ($395) |
|---|---|---|---|
| Cancellation | $6,000 | $15,000 | $30,000 |
Coverage for the cancellation of booked venue for the wedding as the result of events such as illness of the bride, groom or their close relatives, adverse weather and non-attendance of the officiating minister or registrar.
| Rearrangement | $4,500 | $11,250 | $22,500 |
We will reimburse the policy holder for the additional costs incurred to rearrange a cancelled wedding.
| Ceremonial / Bridal Attire | $4,000 | $7,500 | $15,000 |
We will reimburse you for the replacement or reinstatement of damaged bridal attire or the cost of hiring reasonable alternative attire.
| Wedding Gifts | $2,500 | $7,500 | $10,000 |
We will reimburse you for the loss of or damage to wedding gifts as a result of accidental damage, fire or theft while they are being stored by you or your Close Relative/s. This cover also applies while the gifts are in transit or on display at the Reception. The most we will pay for any item is $500.
| Cash & Vouchers | $500 | $1,000 | $1,500 |
We will reimburse you for the loss of or damage to wedding gifts as a result of accidental damage, fire or theft while they are being stored by you or your Close Relative/s. This cover also applies while the gifts are in transit or on display at the Reception. The most we will pay for any item is $500.
| Rings, Flowers, Attendants' Gifts and the Wedding Cake | $2,000 | $5,000 | $10,000 |
We will reimburse you for loss of or damage to Wedding Rings, flowers, Attendants' gifts and the Wedding cake.
| Wedding Cars and Transport | $2,000 | $5,000 | $10,000 |
We will reimburse you if a private hire firm or individual with whom the transport arrangements have been made for travel by the Wedding Party to and from the Wedding Ceremony and/or Reception fails to meet its/their contractual obligation(s).
| Photography and Video | $2,000 | $5,000 | $10,000 |
We will reimburse you for unforeseen expenses necessarily incurred to take/re-take Wedding photographs or videos.
| Failure of Suppliers | $2,000 | $5,000 | $10,000 |
Following the bankruptcy or liquidation of any pre-booked Wedding Services supplier, we will reimburse you for any irrecoverable deposits and additional costs in arranging alternative equivalent services.
| Legal Expenses | $6,000 | $10,000 | $20,000 |
We will reimburse you for legal expenses incurred in the pursuit of legal proceedings by you or your personal representatives, for compensation and/or damage arising from or out of personal injury suffered by you or your death.
| Personal Liability (Bride and Groom Only. Excluding liability in USA or Canada) | $1,000,000 | $1,500,000 | $2,000,000 |
We will reimburse you for your legal liability for accidental Personal Injury and accidental damage to property arising out of or in connection with the Wedding. We will also pay any legal costs and expenses that we incur or you incur with our written consent in the investigation, settlement or defence of any claim made against you for which you are covered for under this Policy.
| Marquee Cover (This cover for use in Australia only) | - | $7,500 | $15,000 |
We will reimburse you in the event of loss of or damage to a Marquee occurring during the period of hire. Cover under this section includes cancellation/curtailment and rearrangement as a direct result of loss of or damage to the Marquee.
Emergency Concierge
Your wedding day is a special, memorable occasion. You will spend many months and a lot of money preparing for it. You want your wedding to be perfect.
But what happens if disaster strikes?
With Wedding Insurance you have the comfort of a 24-hour, 7-day team of personal assistants. The Wedding Insurance Concierge is there to help if any part of your wedding plan goes "off the rails".
Are you trying to squeeze 36 hours into a 24-hour day? Its reasonable to say that life is busy enough but probably never busier than as the wedding day approaches. We all do a balancing act every day, and since most of us don’t have a personal assistant to make the phone calls and run the errands, we try and cram them into the weekend and on our lunch hour during the week. In fact, many people feel that there are simply not enough hours in the day to get everything done.
Then as if it's not hectic enough, something goes wrong on or close to the big day. We're here to help - call the Wedding Insurance Concierge service and speak to your personal assistant. Here are some examples of how we can help;
- Locating a wedding dress shop
- Locating a replacement Photographer for stills and video
- Locating a supplier to repair or replace attendants clothing
- Arranging wedding cars in the event of a breakdown
- Emergency Flowers
- Emergency accommodation
- Message relay (to arrange emergency contacts and messages)
- Medical referral (doctors, dentists etc)
- Translation service
- Baby sitters and child minding
- Organising Cakes
- Legal advice ( for emergencies etc)
- Lost or stolen Baggage replacement
Remember we are here 24 hours, 7days a week to help rectify those situations that are likely to 'spoil' your special day.
Please note: The costs of some of the services recommended by the concierge service are not covered by your policy. For example, the policy will not cover you for the cost of any translation service that you are referred to by the concierge.
The concierge may refer you to a wedding service provider who will provide good or services covered by the policy. Referral by the concierge to a service provider and subsequent provision of a good or service will not entitle you to automatic cover under the policy. You must refer to the policy to ensure you are familiar with the policy terms and conditions when purchase a good or service from a service provider recommended by the concierge service.
Buy a Policy
Common Questions
- What is Wedding insurance?
- Wedding Insurance Direct provides financial protection for loss(es) caused by events that can occur in the planning of a wedding and on the wedding day itself.
- What kind of "events" does the policy cover?
- From damage to the bridal attire to the loss or damage to the wedding gifs, the Wedding Insurance Direct Policy covers the wide range of events that may occur during the planning and day of a wedding. For more detail on what is covered please visit the What is Covered section of the website.
- Can I buy a policy for a friend or relative
- Yes. You do not have to be the bride or groom to purchase the policy.
- How does the policy help me on the day?
- Our Concierge Service can help - 24 hours a day, 7 days a week - when something goes wrong on your Wedding Day. The Concierge Service can help with a wide range of circumstances from helping you to find a replacement photographer to organising cakes and cars. For more detail please visit the Concierge Service section of the website.