Wedding Travel Insurance

In addition to your standard cover, you have the option of a Wedding Extension to include the following.

WEDDING COVER EXTENSION

This Section is only valid if the additional premium has been paid and this is shown on Your Validation Certificate.

Wedding Attire shall mean: dress, suit, shoes and other accessories taken or purchased specifically for Your wedding day.

You/Your means the couple traveling to be married whose names are shown on the validation certificate.

What is covered:

We will pay up to the amounts shown in the Table of Benefits for accidental loss, theft or damage to the items shown below and forming part of your baggage (NOTE: Coronavirus related claims excluded):

a) wedding attire which is taken or purchased on the trip specifically to be worn, used or carried by an insured person on their wedding day.

b) wedding gifts

The amount payable will be the value at today’s prices less a deduction for wear tear and depreciation (loss of value).

We will pay the insured couple up to the amount shown in the Table of Benefits for the additional costs incurred to reprint/make a copy of or retake the photographs and/or video recordings either at a later date during the trip or at a venue in their home country if:

a) the professional photographer who was booked to take the photographs/video recordings on the insured couple’s wedding day is unable to fulfil their obligations due to bodily injury, illness or unavoidable and unforeseen transport problems,

or b) the photographs/video recordings of the wedding day taken by a professional photographer are lost, stolen or damaged within 15 days after the wedding day and whilst the insured couple are still at the holiday/honeymoon location.

An insured person can only claim under one of either this section or Section E – Baggage cover for loss of, theft of or damage to the items shown above arising from the same event.

Conclusion:

1. An insured person must report to the local police in the country where the incident occurred within 24 hours of discovery or as soon as practicable after that and get (at the insured person’s own expense) a written report of the loss, theft or attempted theft of all wedding attire, wedding gifts or wedding photographs/video recordings.
2. If wedding attire, wedding gifts or wedding photographs/video recordings are lost, stolen or damaged while in the care of a public transport provider, authority, hotel or an insured person’s accommodation provider the insured person must report details of the loss, theft or damage to them in writing and get (at the insured person’s own expense) written confirmation.
3. If wedding attire or wedding gifts are lost, stolen or damaged whilst in the care of an airline an insured person must: a) get a Property Irregularity Report from the airline. b) give formal written notice of the claim to the airline, within the time limit contained in their conditions of carriage (please retain a copy). c) keep all travel tickets and tags for submission if an insured person is going to make a claim under this insurance.
4. An insured person must provide (at his/her own expense) an original receipt or proof of ownership for items lost, stolen or damaged to help the insured person to provide evidence to support his/her claim. 

What is not covered:

The Policy General Exclusions and the exclusions below both apply to Section Q – Wedding/Civil Partnership Cover

• The excess shown in the Table of Benefits.
• Loss, theft of or damage to wedding attire, wedding gifts or wedding photographs/video recordings left unattended at any time unless left in the custody of a public transport provider, deposited in a hotel safe or safety deposit box, or left in an insured person’s locked accommodation.
• Loss, theft of or damage to wedding attire, wedding gifts or wedding photographs/video recordings contained in an unattended vehicle unless: a) it is locked out of sight in a secure baggage area and b) forcible and violent means have been used by an unauthorised person to gain entry into the vehicle and evidence of this entry is available.

• Loss or damage due to delay, confiscation or detention by customs or any other authority.
• Loss, theft of or damage to unset precious stones, antiques, musical instruments, documents of any kind, bonds, securities, perishable goods (such as foodstuffs), bicycles, ski equipment, golf equipment and damage to suitcases (unless the suitcases are entirely unusable as a result of one single incidence of damage).
• Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watch faces, cameras, binoculars or telescopes), porcelain or other brittle or fragile articles unless caused by fire, theft, or accident to the aircraft, sea vessel, train or vehicle in which they are being carried.
• Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in use.
• Loss or damage caused by wear and tear, depreciation (loss of value), atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.