Keith Simister Personal Insurance Services
Wedding Insurance
Telephone: 0843 453 0120       Email: ksimister@ksimister.co.uk

Why is Wedding Insurance so important ?

• If you had to cancel, you could lose your deposits.
• If you cancelled nearer the day, suppliers could demand the whole of contracted amounts.
• A supplier could go into liquidation holding your deposit.
• Cancellation could occur through many calamities, (death, illness, injury, redundancy causing financial difficulties, service personnel posted abroad etc.)
• Wedding attire could be lost or damaged.
• A guest could be injured, or the reception venue damaged and you might be held legally liable.
• The professional photographs may not come out.
• Rings or presents could be lost or damaged.
• The reception venue may close before the wedding.

Put your mind at rest with a policy exclusively arranged by

Wedding Insurance Services

A division of Event Insurance Services Ltd

Remember - You can still take out a policy even if you have started to pay deposits or have already committed yourselves to financial obligations.

But do it before any misfortune occurs.

For further details please complete the form below and you will be sent a proposal form and prospectus by post.

Benefits on all policies

	Cancellation. We will reimburse you for expenses incurred because of the necessary cancellation of the wedding or reception for most reasons (as listed in full on the policy) but include death, injury, illness, redundancy of bride, groom or close relative. Venue closed or unable to hold the function. Loss or damage to bride's or bridesmaids' wedding attire or hired menswear. Wedding transport not arriving. Member of armed forces posted abroad.
	We will reimburse you up to 25% of the original cost of the wedding or reception for any extra costs involved if you avoid cancelling by booking elsewhere at a higher price if the originally booked service is unable to provide it. Both the above depend on the amount of cover you select on the proposal form.
	Wedding Attire up to £ 2,000. We will pay for the loss or damage to the bride's or bridesmaids' dresses and men's formal wedding attire or their hire charges following loss or damage if such hire charges are still imposed by the hire company.
	Wedding Presents up to £ 1,500. We will pay for loss or damage to the wedding presents in your possession within 24 hours before and after the wedding day.
	Wedding Photographs/Videos up to £ 1,500. We will pay to have the photographs retaken if they do not come out or if the professional photographer booked fails to arrive or if the professional video tape is lost or damaged before being handed to the insured within 28 days after the end of the reception.
	Wedding Rings up to £ 1,250. We will pay for loss or damage to the bride or groom's wedding rings (£ 500 per ring) during the 7 days up to the wedding day.
	Loss of Deposits up to £ 2,000. Result of liquidation of booked wedding suppliers.
	Public Liability up to £ 2,000,000. We will pay for your legal liability for injuries to persons or damage to venues (apart from damage to tents and marquees) during the period of the wedding and reception.

Main Exclusions

• Lack of funds to continue with the wedding or reception, apart from redundancy which occurs after the issue of the policy.
• Disinclination of the bride or groom to marry.
• Any circumstances which were known when the policy was issued which was likely to cause the cancellation.
• The first £ 25 of any claim under each section.

Main Conditions

• Families attending weddings abroad must be in possession of suitable travel insurance.
• The Insurers reserve the right to decline accepting a Proposal.
• You must notify us of any claim as soon as possible.