Protect and cover your Wedding with Wedding Insurance from Our Wedding Insurance, provided by Lloyd's of London.

Our wedding insurance

FAQ's

You should always read the policy disclosure statement and policy wording before deciding whether to acquire or to continue with this product.

1. What is wedding insurance?

Wedding insurance will cover you for costs incurred following an event related to your wedding as listed in the policy wording.

2. Why is Our Wedding™ now selling wedding insurance?

At Our Wedding, we're always looking for new ways to bring you savings on products and suppliers for your wedding. Now we've pooled our expertise with Lloyd's of London, the largest insurance market in the world, to bring you Our Wedding Insurance.

3. Who can apply for Our Wedding™ Insurance?

Any couple getting married. Our Wedding Insurance can be purchased by the bride, groom or their immediate family members.

4. How do I purchase Our Wedding™ Insurance?

Simply choose your level of cover, click 'Next Steps' and insure your wedding in a matter of minutes.

5. When does Our Wedding™ Insurance cover start?

From the day you take out the policy, which must be within eighteen months prior to the wedding date. Your wedding must be at least 30 days away.

6. How far in advance should I purchase Our Wedding™ Insurance for my wedding to be covered?

Our Wedding™ Insurance is available for purchase no less than thirty days or more than eighteen months prior to the wedding.

7. Does Our Wedding™ Insurance have a policy excess?

No.

8. My wedding ceremony and reception are on different dates. Will Our Wedding™ Insurance cover me for both events?

No, the reception must directly follow the wedding ceremony to be covered.

9. Does Our Wedding™ Insurance cover weddings outside Australia?

Yes, Our Wedding Insurance covers weddings taking place anywhere in the world. There is no cover for personal liability for overseas weddings.

10. What level of cover do I need?

. There are four levels available. You should select a level of coverage based on your total wedding budget and what you are comfortable with. This includes the amount that will be spent on the venue, gown, wedding rings, caterer, flowers, transport, and all other deposits and wedding purchases. In the worst-case scenario, this is the investment that you could lose if you were forced to cancel and reschedule your wedding at the last minute.You should consider the appropriateness of this guidance taking into account your personal objectives, financial circumstances and needs. Please read the Product Disclosure Statement to decide whether to purchase this insurance.

11. How do I make a claim?

To lodge a claim, simply email claims@weddinginsurancegroup.com.au with information about your claim. You will be required to advise us of your policy number, the reason for your claim as well as the details of other people and/or suppliers that are involved.

12. What is Personal Liability Cover?

Personal liability insurance will cover your legal liability arising from accidental injury to third parties or accidental loss of or damage to third party property. It also covers your legal costs and expenses in defending any claim in respect to such injury, loss or damage.

13. How can the premiums be paid?

Premiums can be paid online with a Visa or Mastercard.

14. Are there any policy exclusions and conditions?

Yes, please read the policy wording carefully so you are fully aware of the policy limitations and exclusions.

15. What happens if the wedding is cancelled?

You are covered if your wedding is cancelled or cut short due to specified events listed in the policy. If any of the specified events occur, you may have to pay for suppliers or goods that you’ve booked but cannot use. Under this cover, you would be able to claim for these costs. Please refer to the policy wording for the list of specific events that are covered against cancellation of the wedding.

16. Will Our Wedding™ Insurance cover my honeymoon?

No.

17. The cost of my wedding has increased, will I still be covered? Can I increase my package?

You are covered up to the limits detailed in the policy wording. You may increase the level of cover up to 30 days before the wedding, you will need to pay the additional premium.

18. How long does it normally take to resolve a claim?

Each claim is assessed individually and our objective is to settle all claims as quickly as possible.

Please refer to Question 11 for details on how to lodge a claim.

19. Will I be covered for deposits already paid prior to purchasing Our Wedding™ Insurance?

Yes, providing any event causing the cancellation of the wedding occurs after 30 days from the date of policy purchase. Please read the policy wording for limitations and exclusions.

20. Can I pay my premium by instalments?

No, the full premium must be paid at the commencement of the policy.

21. Is there a cooling off period where I can cancel my policy?

You can cancel the policy within the 14 day cooling off period provided that no claim has arisen. We will cancel the policy and give you a full refund of your premium.

22. What happens in the event that either the bride or groom change their mind?

Cancellation costs incurred by either party deciding not to go ahead with the wedding will not be paid. Please read the policy wording for limitations and exclusions.

23. Is weather covered?

If a weather related event causes the curtailment or cancellation of your wedding, then cover is provided subject to limitations and exclusions.

24. We are a same-sex couple and plan to have a civil ceremony, can we apply also?

Yes, this policy can be purchased for civil partnership ceremonies.

25. Can non-Australian nationals be covered?

Yes, provided the bride and groom are both residents of Australia.

26. Can the policy provide cover for other occasions, such as anniversary parties?

No.

27. Will I be covered against redundancy?

No.

28. Am I covered if the bride's wedding dress, groom's suit or bridal party outfits are damaged or stolen before the wedding?

Yes, please read the policy wording for limitations and exclusions.

29. What happens if the bride, groom or family member gets sick just before the wedding/ceremony?

Cover is provided if the illness or injury of the bride, groom or immediate family member causes the cancellation or curtailment of the wedding. Please read the policy wording for limitations and exclusions.

30. What happens if one of the wedding/ceremony party has an ongoing illness?

This policy does not cover pre-existing medical conditions of the bride, groom or immediate family member.

31. What happens if one of my guests is injured at the reception and I am held responsible?

The policy provides personal liability cover. Please refer to section 9, page 10 of the policy wording.

32. What happens if our suppliers go out of business before the wedding?

Cover will be provided subject to limitations and exclusions.

33. What happens if one of our Mum's wedding outfits is ruined?

Cover will be provided subject to limitations and exclusions.

34. We're hiring a marquee, are we covered?

Yes, please refer to the policy wording for limits and exclusions.

35. The reception venue is requesting a Certificate of Insurance, how do we get this?

A Certificate of Insurance will be provided when you take out the policy.

36. If we lose our wedding rings, are they covered?

Yes, but subject to maximum sum insured, limitations and exclusions.

37. Does Our Wedding™ Insurance cover all wedding presents, including cheques, gift certificates, etc.?

Yes, we will cover wedding gifts including gift certificates and money, up to the limits outlined in the policy wording that are at the home of the bride, groom or an immediate family member, at the wedding event or in transit between any of these locations, and are accidentally damaged or stolen.

38. What happens if the florist doesn't arrive with the flowers?

Additional costs incurred in arranging alternative flowers will be paid.

39. What happens if the rented wedding cars do not arrive on the morning of the wedding?

Additional costs incurred in arranging alternative transport will be paid.

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