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Summary of Cover
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Cancellation & re-arrangment costs
We will reimburse you up to the amount shown in the table of limits, for any irrecoverable expenses incurred by you in respect of transport, accommodation, catering, photographs, flowers or hired wedding attire of the bridal party and services from any other suppliers booked but not used as a result of unavoidable cancellation or curtailment of the wedding made necessary by any cause beyond your control except as specifically excluded under ‘What is not covered’ below.
We will also pay any extra costs of alternative wedding services incurred to avoid cancellation of the wedding up to the amount shown in the table of limits provided such extra costs shall take into account the amount of reimbursement made earlier.
This is a summary of what is covered. Please refer to the Product Disclosure Statement for the full terms and conditions including what is not covered.
We will reimburse you up to the amount shown in the table of limits, for any irrecoverable expenses incurred by you in respect of transport, accommodation, catering, photographs, flowers or hired wedding attire of the bridal party and services from any other suppliers booked but not used as a result of unavoidable cancellation or curtailment of the wedding made necessary by any cause beyond your control except as specifically excluded under ‘What is not covered’ below.
We will also pay any extra costs of alternative wedding services incurred to avoid cancellation of the wedding up to the amount shown in the table of limits provided such extra costs shall take into account the amount of reimbursement made earlier.
This is a summary of what is covered. Please refer to the Product Disclosure Statement for the full terms and conditions including what is not covered.
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Photographs & video
We will pay up to the applicable amount shown in the table of limits, all expenses necessarily incurred to retake the wedding photographs as a direct and necessary consequence of the following:
This is a summary of what is covered. Please refer to the Product Disclosure Statement for the full terms and conditions including what is not covered.
We will pay up to the applicable amount shown in the table of limits, all expenses necessarily incurred to retake the wedding photographs as a direct and necessary consequence of the following:
- 1. Non-appearance on the wedding day for any reason of the professional photographer booked for the wedding;
- 2. Loss of or damage to the original photographic record by any cause not excluded in this policy before copies are made;
- 3. Non-development of the original photographic record (other than under or over-exposure);
This is a summary of what is covered. Please refer to the Product Disclosure Statement for the full terms and conditions including what is not covered.
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Failure of suppliers
Following the bankruptcy or liquidation of any suppliers booked to supply transport, accommodation, catering, photographs, flowers or hired wedding attire or any other wedding services, we will pay up to the amount shown in the table of limits for the following:
Following the bankruptcy or liquidation of any suppliers booked to supply transport, accommodation, catering, photographs, flowers or hired wedding attire or any other wedding services, we will pay up to the amount shown in the table of limits for the following:
- irrecoverable deposits;
- additional costs in arranging alternative equivalent services but only so far as these costs exceed what would have been incurred had the original supplier not ceased trading.
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Wedding cars & transport
Following the failure of any vehicle-hire firm to provide transport for the bridal party in accordance with any agreement or obligation with you, including non-appearance or breakdown of or accident to the vehicle, we will pay up to the amount shown in the table of limits for the following:
Following the failure of any vehicle-hire firm to provide transport for the bridal party in accordance with any agreement or obligation with you, including non-appearance or breakdown of or accident to the vehicle, we will pay up to the amount shown in the table of limits for the following:
- irrecoverable deposits;
- additional costs in arranging alternative equivalent services but only so far as these costs exceed what would have been incurred had the original supplier provided the service.
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Contract disputes
We will negotiate for your legal rights in a contractual dispute arising from an agreement which you have entered into for the buying or hiring of any goods or services within AustraliaorNewZealandin respect of your wedding.
We will also pay for any legal proceedings in courts within Australia. We will pay costs and expenses up to the limitshown in the table of limits for contract disputes which have a date of occurrence within the period of insurance.
If an appointed representative is used, we will pay the costs and expenses incurred for this. We will only provide this cover if there is a reasonable chance of recovering damages, or of a successful defence in the event of a civil claim.
This is a summary of what is covered. Please refer to the Product Disclosure Statement for the full terms and conditions including what is not covered.
We will negotiate for your legal rights in a contractual dispute arising from an agreement which you have entered into for the buying or hiring of any goods or services within AustraliaorNewZealandin respect of your wedding.
We will also pay for any legal proceedings in courts within Australia. We will pay costs and expenses up to the limitshown in the table of limits for contract disputes which have a date of occurrence within the period of insurance.
If an appointed representative is used, we will pay the costs and expenses incurred for this. We will only provide this cover if there is a reasonable chance of recovering damages, or of a successful defence in the event of a civil claim.
This is a summary of what is covered. Please refer to the Product Disclosure Statement for the full terms and conditions including what is not covered.
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Wedding attire
Following loss or damage which is covered by this policy to the wedding attire of the bridal party we will replace or pay for the repair or replacement of such attire or dress including any hire charges necessarily incurred for substitute wedding attire, up to the amount shown in the table of limits.
This is a summary of what is covered. Please refer to the Product Disclosure Statement for the full terms and conditions including what is not covered.
Following loss or damage which is covered by this policy to the wedding attire of the bridal party we will replace or pay for the repair or replacement of such attire or dress including any hire charges necessarily incurred for substitute wedding attire, up to the amount shown in the table of limits.
This is a summary of what is covered. Please refer to the Product Disclosure Statement for the full terms and conditions including what is not covered.
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Wedding presents, rings, attendants' gifts & flowers
Following loss or damage which is covered by this policy to any wedding presents, wedding rings, wedding cake, attendants' presents or flowers during the wedding period, whilst at your home or at the reception or in transit between these locations, wewill replace or pay the value of such items or make good such damage up to the applicable limit shown in the table of limits.
This is a summary of what is covered. Please refer to the Product Disclosure Statement for the full terms and conditions including what is not covered.
Following loss or damage which is covered by this policy to any wedding presents, wedding rings, wedding cake, attendants' presents or flowers during the wedding period, whilst at your home or at the reception or in transit between these locations, wewill replace or pay the value of such items or make good such damage up to the applicable limit shown in the table of limits.
This is a summary of what is covered. Please refer to the Product Disclosure Statement for the full terms and conditions including what is not covered.
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Wedding documents
We will pay up to the amount shown in the table of limits following loss or damage to wedding documents occurring within 24 hours before and after the wedding. We will choose whether to reimburse you or replace the documents.
This is a summary of what is covered. Please refer to the Product Disclosure Statement for the full terms and conditions including what is not covered.
We will pay up to the amount shown in the table of limits following loss or damage to wedding documents occurring within 24 hours before and after the wedding. We will choose whether to reimburse you or replace the documents.
This is a summary of what is covered. Please refer to the Product Disclosure Statement for the full terms and conditions including what is not covered.
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Marquees & hired equipment
We will pay up to the amount shown in the table of limits in respect of loss or damage to marquees or tents including gazebos, staging, flooring, chairs, tables, furniture, household or lighting equipment hired during the wedding period.
This is a summary of what is covered. Please refer to the Product Disclosure Statement for the full terms and conditions including what is not covered.
We will pay up to the amount shown in the table of limits in respect of loss or damage to marquees or tents including gazebos, staging, flooring, chairs, tables, furniture, household or lighting equipment hired during the wedding period.
This is a summary of what is covered. Please refer to the Product Disclosure Statement for the full terms and conditions including what is not covered.
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Public & Product's liability
We will pay up to the amount shown in the table of limits for any one accident or series of accidents arising out of or attributable to the one source or original cause; plus defence costs and expenses which we have agreed to in writing, to indemnify you against your legal liability for:
This is a summary of what is covered. Please refer to the Product Disclosure Statement for the full terms and conditions including what is not covered.
We will pay up to the amount shown in the table of limits for any one accident or series of accidents arising out of or attributable to the one source or original cause; plus defence costs and expenses which we have agreed to in writing, to indemnify you against your legal liability for:
- accidental bodily injury including death, disease or illness; or
- accidental damage to property;
This is a summary of what is covered. Please refer to the Product Disclosure Statement for the full terms and conditions including what is not covered.
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Personal accident
If during the wedding period the insured person suffers bodily injury, we will pay the corresponding compensation set out in the table of benefits for death or total or partial disablement.
Weekly bodily injury benefits are payable for a period not exceeding 6 months.
You or your legal representative must supply us with a certificate from a medical practitioner in relation to any claim made.
We will also pay you the benefit shown in the table of benefits if as a result of such bodily injury the insured person is exposed to the elements and as a result of that exposure within 12 months suffers an event set out in the table of benefits.
If the body of an insured person is not found within twelve (12) months after an accident involving the conveyance in which he or she was travelling, death will be presumed in the absence of any evidence to the contrary. The death benefit amount set out in the table of benefits will become payable, subject to a signed undertaking by the beneficiary that if the insured person is subsequently found alive, such death benefit amount shall be refunded to us.
This is a summary of what is covered. Please refer to the Product Disclosure Statement for the full terms and conditions including what is not covered.
If during the wedding period the insured person suffers bodily injury, we will pay the corresponding compensation set out in the table of benefits for death or total or partial disablement.
Weekly bodily injury benefits are payable for a period not exceeding 6 months.
You or your legal representative must supply us with a certificate from a medical practitioner in relation to any claim made.
We will also pay you the benefit shown in the table of benefits if as a result of such bodily injury the insured person is exposed to the elements and as a result of that exposure within 12 months suffers an event set out in the table of benefits.
If the body of an insured person is not found within twelve (12) months after an accident involving the conveyance in which he or she was travelling, death will be presumed in the absence of any evidence to the contrary. The death benefit amount set out in the table of benefits will become payable, subject to a signed undertaking by the beneficiary that if the insured person is subsequently found alive, such death benefit amount shall be refunded to us.
This is a summary of what is covered. Please refer to the Product Disclosure Statement for the full terms and conditions including what is not covered.
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Professional counselling
We will pay up to the amount stated in the table of limits in respect of costs incurred by the bride or groom for professional counselling as recommended by a general medical practitioner.
This professional counselling must become necessary as a result of the unavoidable and permanent cancellation of the wedding, due to the death of the bride or groom or due to either the bride or groom electing not to go ahead with the marriage.
This is a summary of what is covered. Please refer to the Product Disclosure Statement for the full terms and conditions including what is not covered.
We will pay up to the amount stated in the table of limits in respect of costs incurred by the bride or groom for professional counselling as recommended by a general medical practitioner.
This professional counselling must become necessary as a result of the unavoidable and permanent cancellation of the wedding, due to the death of the bride or groom or due to either the bride or groom electing not to go ahead with the marriage.
This is a summary of what is covered. Please refer to the Product Disclosure Statement for the full terms and conditions including what is not covered.
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Excesses
The excess is $75.
The excess is $75.
Want to find out more? Read our Frequently Asked Questions
The following table of limits apply to the cover provided by the policy. Please refer to the Product Disclosure Statement. for full terms and conditions. Simply click on the relevant
for more information about each section of cover.| Item of Cover | Gold | Platinum | Diamond | |
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Cancellation costs (including adverse weather & illness) | $15,000 | $22,500 | $30,000 |
| Including re-arrangement costs | $15,000 | $22,500 | $30,000 | |
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Photographs & video | $3,000 | $6,000 | $9,000 |
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Failure of suppliers | $3,000 | $6,000 | $9,000 |
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Wedding cars & transport | $3,000 | $6,000 | $9,000 |
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Contract disputes | $10,000 | $20,000 | $30,000 |
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Wedding attire | $5,000 | $10,000 | $20,000 |
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Wedding presents, rings, attendants' gifts & flowers | $5,000 | $10,000 | $20,000 |
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Wedding documents | $500 | $1,000 | $2,000 |
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Marquees & hired equipment | Nil | $25,000 | $25,000 |
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Public & Products liability | $5,000,000 | $5,000,000 | $5,000,000 |
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Personal accident | $20,000 | $40,000 | $60,000 |
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Professional counselling | $500 | $1,000 | $1,500 |
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Excesses | $75 | $75 | $75 |