Key Sections of Cover - General Definitions

Below is a summary list of the definitions, for the full list please see the Policy Wording

Accident/accidental

Means a sudden, unexpected, unusual, specific, violent, external event, which occurs at a single identifiable time and place and independently of all other causes, results directly, immediately and solely in physical Bodily injury which results in a loss.

Additional costs

Means the difference between the original cost of the Wedding and/ or Wedding reception and the rearranged Wedding and/or Wedding reception.

Adverse weather

Means weather conditions are such that they cause major disruption to travel services, thus preventing the participants and the majority of the guests from reaching the Wedding venue.

Attendants

Means non-professional participants in the Wedding, traditionally attendant on the Marrying Couple.

Bodily injury

Means an identifiable physical injury caused by sudden, external, violent and visible means.

Bridal attire

Means clothing and accessories of a formal nature worn by the bride(s) at the Wedding whether hired or owned.

Ceremonial attire

Means clothing and accessories of the Marrying Couple, male and female Attendants and the parents of the Marrying Couple, whether hired or owned, excluding ceremonial swords.

Civil partnership

Means a legally recognised union of two people, with similar rights and responsibilities to those of marriage.

Coronavirus

Means SARS-CoV-2 (Severe acute respiratory syndrome coronavirus 2) or any mutation of SARS-CoV-2, including COVID-19.

Epidemic

Means a widespread occurrence of an infectious disease in a community at a particular time.

Event equipment

Means staging, chairs, tables, audio visual equipment and ancillary equipment whether hired, leased or owned by You (or by another person on Your behalf) solely for the purpose of Your Wedding and/or Wedding reception and for which You (or such other person) are responsible.

Home

Means Your permanent residential address in the United Kingdom, unless agreed by Us and confirmed in writing.

Marquee

Means the hired marquee or tent including gazebos, staging, flooring, chairs, tables and lighting. The period of hire must not exceed 3 days, unless agreed by Us and confirmed in writing.

Marrying Couple

Means the bride(s), groom(s) or Civil Partners.

Mobile W.C. unit

Means the hired-in temporary lavatory facilities, including fixtures & fittings. The period of hire must not exceed 3 days, unless agreed by Us and confirmed in writing.

Pandemic

Means an Epidemic that has spread across a large region.

Period of insurance

Means as specifically defined in each section of this insurance.

Relative

Means Your spouse/partner, (step) parent(s), grandparent(s), (step) children, grandchildren and siblings.

Resident

Means a person who permanently resides in the United Kingdom.

United Kingdom

Means, for the purposes of this insurance, England, Scotland, Wales, Northern Ireland, Channel Islands & the Isle of Man.

Wedding

Means a ceremony which creates a contract of marriage which is legally enforceable within the United Kingdom, including ceremonies of Civil partnership, or, for the purposes of this insurance, a similar single, specific event/ceremony/blessing arranged to celebrate a marriage or renewal of vows.

Wedding date

Means the day specified on the certificate of insurance for the Wedding to take place, and where different, the date of the Wedding reception.

Wedding gifts

Means gifts for the Marrying Couple presented for the purposes of celebrating the Wedding, including cash and vouchers.

Wedding reception

Means the social gathering, including but not limited to, room hire and catering, following within no more than 21 days of the Wedding, at which the Wedding will be celebrated.

Wedding rings

Means the ring(s) exchanged by the Marrying Couple at the Wedding.

Wedding services

Means services traditional to the celebration of a Wedding such as; professional photography and/or professional video operation, professional Wedding planner, floral arrangements, hired cars or other transport, Wedding guest accommodation that is paid for by the Marrying Couple, toastmaster, venue, Wedding cake, Ceremonial attire, catering, DJ/disco, band/musician or paid entertainment contracted by You to provide services at the Wedding or Wedding reception. Wedding gift list providers are not included.

We, Our and Us

Means Acasta European Insurance Company Limited.

You and Your

Means the Marrying Couple named on the certificate of insurance or, for the purposes of sections 1 & 7 and where appropriate, any of their Relatives who would have made proven, significant financial contributions on which the Wedding plans depend. It is a condition of this insurance that at least one of the insured Marrying Couple is Resident in the United Kingdom, unless agreed by Us and confirmed in writing.

 

Key Sections of Cover

 Section 1A and 1B - Cancellation and rearrangement of the wedding and/or reception

1A Cancellation - You are covered up to the amount shown in the benefits schedule for any irrecoverable expenses necessarily incurred by You in respect of Ceremonial attire, flowers, photographs, caterers, transport, accommodation, paid for by You, and the services from any other Wedding service supplier booked but not used as a direct result of the unavoidable cancellation of the Wedding and/or Wedding reception. See the Policy Wording for full Terms and Conditions.

1B Rearrangement - In the event of cancellation of the Wedding, Wedding reception or Wedding services for reasons specified in part A above, You are also covered up to the amount shown in the benefits schedule to reimburse You for Additional costs necessarily incurred in rearranging the Wedding and/or Wedding reception and/or Wedding services to a similar standard to the amount originally budgeted.
Please note that in respect of rearrangement, all Additional costs and expenses must be notified to the claims handlers and agreed by them in advance of the rearranged Wedding. See the Policy Wording for full Terms and Conditions.

Section 2 - Ceremonial attire

You are covered up to the amount shown in the benefits schedule for the reinstatement or replacement (at Our discretion) of Bridal attire if it is lost or damaged whilst in Your possession or that of a Relative within 3 months prior to and for the duration of the Wedding and the taking of the photographs immediately following the Wedding by the professional photographer only. In respect of hired Bridal attire, this cover shall apply for up to 48 hours after the commencement of the Wedding. You are also covered for the loss of or damage to Ceremonial attire within 48 hours prior to and for the duration of the Wedding and the taking of photographs immediately following the Wedding by the professional photographer only. In respect of hired Ceremonial attire, this cover shall apply for up to 48 hours after the commencement of the Wedding.

Please note in respect of the contents above, an amount will be deducted in respect of owned and hired attire to reflect previous wear and tear. See the Policy Wording for full Terms and Conditions.

Section 3 – Wedding gifts

You are covered up to the amount shown in the benefits schedule for loss of or damage to Wedding gifts due to Accident, fire or theft whilst being transported or stored by You or Your Relative, or on display at the Wedding reception. See the Policy Wording for full Terms and Conditions.

Section 4 – Wedding ring(s), flowers, attendants’ gifts and the wedding cake

Cover under this section commences:

i. 7 days prior to the Wedding and expires 24 hours after the wedding or when a claim is made under this section of the policy, whichever occurs first, in respect of Wedding rings and Attendants’ gifts.

ii. 36 hours prior to the Wedding and expires at the end of the Wedding reception or when a claim is made under this section of the policy, whichever occurs first, in respect of flowers, and the Wedding cake.

You are covered up to the amount shown in the benefits schedule for loss of or Accidental damage to Wedding rings, flowers, Attendants’ gifts and the Wedding cake which occurs during the time specified in i or ii above. See the Policy Wording for full Terms and Conditions.

Section 5 - Wedding cars & transport

You are covered up to the amount shown in the benefits schedule to reimburse You for unforeseen Additional costs to arrange alternative transport if the contracted private hire provider with whom the transport arrangements have been made fails to meet its/their contractual obligation(s) following non-appearance, breakdown or Accident. See the Policy Wording for full Terms and Conditions.

Section 6 - Photography & video

You are covered up to the amount shown in the benefits schedule to reimburse You for unforeseen expenses necessarily incurred to take/re-take Wedding photographs or videos or refund any non-recoverable amount which You originally contracted to pay as a direct and necessary consequence of the non-appearance for any reason of the professional photographer or professional video operator contracted for the Wedding. You are also covered for the loss of or damage to the original film or negatives, or loss or damage to whatever digital media on which the photographic images are being stored, by the professional photographer or professional video operator contracted for the Wedding, before copies are made such that final prints cannot be produced. See the Policy Wording for full Terms and Conditions.

Section 7 - Financial failure of the wedding service suppliers

You are covered up to the amount shown in the benefits schedule following the bankruptcy or liquidation of pre-booked Wedding service suppliers in respect of irrecoverable deposits in accordance with standard booking conditions and additional costs in arranging alternative equivalent services. See the Policy Wording for full Terms and Conditions.

Section 8 - Personal accident

You are covered up to the amount shown in the benefits schedule for the payment of the following compensation to You or, where appropriate, Your legal representative(s) if You sustain Bodily injury, which solely and independently of any other cause results in Your death, permanent total disablement, loss of sight or loss of limb(s) within 12 months of the Accident. See the Policy Wording for full Terms and Conditions.

Section 9 - Legal expenses

You are covered up to the amount shown in the benefits schedule for legal costs and expenses incurred by You, in the pursuit of legal proceedings by You or Your personal representative(s) for compensation and/or damages arising from or out of Your injury or death. It is a condition of this section of the insurance that We shall have complete control over the legal proceedings and the appointment of legal representation. See the Policy Wording for full Terms and Conditions.

Section 10 - Public liability for the marrying couple

You are covered up to the amount shown in the benefits schedule in respect of Your legal liability arising from Accidental injury to third parties or Accidental loss of or Accidental damage to third party property. In the event of Your death We will, in respect of the liability incurred by You, indemnify Your personal representatives in the terms of and subject to the limitations of this section, provided that such personal representatives shall act as though they were You and observe, fulfil and be subject to the terms, exclusions and conditions of this section insofar as they can apply. See the Policy Wording for full Terms and Conditions.

Section 11 - Optional £2 million public liability extension for the wedding guests

Section 11 - public liability for the Marrying Couple is extended to cover all of the Wedding guests in respect of legal liability arising from Accidental injury to third parties or Accidental loss of or damage to third party property up to the £2,000,000 limit detailed within the benefits schedule. See the Policy Wording for full Terms and Conditions.

Section 12 - Optional marquee & mobile W.C. unit and event equipment extension

You are covered up to the amount shown in the benefits schedule in the event of loss of or damage to Marquees, Mobile W.C. Units and Event Equipment by any cause not specifically excluded occurring during the period of hire. Cover is limited to the value of the item at the time of loss or damage and We reserve the right at Our option to replace or reinstate any Marquee, Mobile W.C. unit or Event Equipment. See the Policy Wording for full Terms and Conditions.

Section 13A and 13B - Optional cancellation & rearrangement to include Coronavirus cover

13A Cancellation - You are covered up to the amount shown in the benefits schedule for any irrecoverable expenses necessarily incurred by You in respect of Ceremonial attire, flowers, photographs, caterers, transport, accommodation, paid for by the Marrying Couple, and the services from any other Wedding service supplier booked but not used as a direct result of the unavoidable cancellation of the Wedding and/or Wedding reception as the result of the death or sickness of the Marrying Couple or a Relative due to contracting Coronavirus within 10 days of the Wedding Date which would make the continuance of the Wedding inappropriate.

13B Rearrangement - In the event of cancellation of the Wedding, Wedding reception or Wedding services for the reason specified in part A above, You are also covered up to the amount shown in the benefits schedule to reimburse You for Additional costs necessarily incurred in rearranging the Wedding and/or Wedding reception and/or Wedding services to a similar standard to the amount originally budgeted.

See the Policy Wording for full Terms and Conditions.