FAQs

Wedding Insurance

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

  Unless specifically listed as covered under ‘Section A: Part One – Cancellation’, claims arising directly or indirectly from or related to COVID-19 are not covered by this policy. Likewise, claims and losses arising directly or indirectly from any government act, regulation or change of law are also excluded. This policy does not cover claims and/or losses arising directly or indirectly to COVID-19, or any other circumstances in the public domain at the time of purchasing this policy, except for the cover offered under ‘Section A: Part One – Cancellation’ relating to a confirmed positive PCR COVID-19 diagnosis resulting in the death, serious illness and/or legally isolating (due to government law or regulation) of either of the marrying couple (and/or the marrying couples (step) parent(s), grandparent(s), (step) children, grandchildren or siblings) which prevents their participation as planned in the wedding.

• 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.

• How do I amend my Wedding Insurance Policy?

  To amend your policy please call our Customer Service Team on 0333 355 0252.

• How do I purchase a Blue Insurance Wedding Insurance policy?

  The policy can be purchased online or calling 0333 355 0252 at least 30 days prior to the wedding date.

• How can the premiums be paid?

  Payment is accepted by Credit or Debit Card.

• What is 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.

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

  Yes. You can only claim cancellation expenses as above or the rearrangement expenses 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)

• What types of losses are covered are covered by the policy?

  Blue Insurance Wedding policy provides coverage for the following different categories and types of potential loss or damage: Event Cancellation or Rearrangement. Event Photography and Video. Ceremonial/Bridal Attire. Wedding and Attendants’ Gifts. Wedding Rings. Loss of Deposits. Marquee Cover (subject to additional premium).Please note there is no cover for losses of payments/deposits paid more than 60 days before purchasing this insurance policy.

• Will a Blue Insurance 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 at least 50% of their wedding guests from attending the wedding or reception.

• 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 on 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 terminal prognosis will not be covered. See Definition of Close Relative in the policy wording.

• 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.

• How far in advance should I purchase my wedding insurance 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.

• Does my Blue Insurance Wedding policy cover weddings outside 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.

• Does my Blue Insurance Wedding policy provide any coverage for my honeymoon expenses?

  No, it is important that you have Honeymoon Travel Insurance when travelling abroad.

• 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.

• Is my engagement ring covered by my Blue Insurance Wedding 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.

• Does my Blue Insurance Wedding 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 wedding insurance policy (the maximum Single Item limit is £250 including pair or set)

• What happens if our photographer does not show up and a replacement is not available?

  A Blue Insurance Wedding 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 wedding insurance policy.

• Are we covered if the photography is damaged or does not come out?

  Yes, a Blue Insurance Wedding 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 Blue Insurance Wedding policy.

• 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.

• Am I covered if the Bride's wedding dress or the Groom's tuxedo is damaged before the wedding?

  Yes, a Blue Insurance Wedding 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.

• Does a Blue Insurance Wedding policy have an excess?

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

• Whom do I call if I have to make a claim?

  To make a claim, please contact the Claims Handler. Please see information for the claims procedure on our Make a Claim page.

• 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.