Understanding Your Wedding Insurance Policy – Key Terms

At InsuraWedding, we believe you shouldn't have to worry about confusing industry jargon. Our goal is to help you understand exactly what your policy covers and what it doesn’t. This way, choosing the right Wedding Insurance product for your needs is as simple as possible.

Whether it’s Cancellation Cover, Public Liability, or cover for Cars & Transport, it's important to know what you're covered for and, just as importantly, what you're not covered for. Here's a breakdown of key terms in everyday language:

Key Terms Explained

• Accident/Accidental: An unexpected event that causes physical injury, occurring suddenly and without any other contributing causes.
• Additional Costs: The extra expenses incurred when rearranging your wedding or reception compared to the original cost.
• Adverse Weather: Severe weather conditions that disrupt travel, preventing most guests from reaching the wedding venue.
• Attendants: Non-professional participants in the wedding, such as bridesmaids and groomsmen.
• Bodily Injury: A physical injury caused by a sudden, external, violent, and visible event.
• Bridal Attire: The bride’s formal clothing and accessories, whether hired or owned.
• Ceremonial Attire: Formal clothing and accessories worn by the marrying couple, their attendants, and their parents, excluding ceremonial swords.
• Civil Partnership: A legally recognised union of two people with similar rights to marriage.
• Coronavirus: Refers to the SARS-CoV-2 virus, including any mutations and the disease COVID-19.
• Epidemic: A widespread occurrence of an infectious disease in a community at a particular time.
• Event Equipment: Items like staging, chairs, tables, and audio-visual equipment used for the wedding or reception, whether hired, leased, or owned.
• Home: Your permanent residential address in the United Kingdom, unless otherwise agreed and confirmed in writing.
• Marquee: A hired marquee or tent, including gazebos, staging, and lighting. The hire period must not exceed three days unless agreed in writing.
• Marrying Couple: The individuals getting married, whether brides, grooms, or civil partners.
• Mobile W.C. Unit: Hired temporary lavatory facilities, including fixtures and fittings. The hire period must not exceed three days unless agreed in writing.
• Pandemic: An epidemic that has spread across a large region.
• Period of Insurance: The duration of the insurance cover as defined in each section of the policy.
• Relative: Includes your spouse/partner, (step) parents, grandparents, (step) children, grandchildren, and siblings.
• Resident: A person who lives permanently in the United Kingdom.
• United Kingdom: Includes England, Scotland, Wales, Northern Ireland, Channel Islands, and the Isle of Man.
• Wedding: A legally recognised marriage ceremony, including civil partnerships and similar events such as vow renewals.
• Wedding Date: The specific date of the wedding ceremony as listed on the insurance certificate.
• Wedding Gifts: Presents given to the marrying couple, including cash and vouchers.
• Wedding Reception: The celebration following the wedding ceremony, including room hire and catering, held within 21 days of the wedding.
• Wedding Rings: The rings exchanged by the marrying couple during the wedding ceremony.
• Wedding Services: Traditional services for a wedding celebration, such as photography, video operation, wedding planning, floral arrangements, transport, guest accommodation, toastmaster, venue, cake, catering, entertainment, and more. Gift list providers are not included.
• We, Our, and Us: Refers to Acasta European Insurance Company Limited.
• You and Your: Refers to the marrying couple named on the insurance certificate or, in specific sections, any relatives who made significant financial contributions to the wedding plans.

For a comprehensive list of definitions, please refer to the Policy Wording. Understanding these terms can help you make an informed choice about your Wedding Insurance, ensuring your special day is protected.

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Please bear in mind that policies must be purchase a MINIMUM of 14 days before the ceremony date.

This article is for information and entertainment purposes only. It does not constitute advice in any way. The information provided here is correct at the time of writing however please check the latest policy wording here for the latest policy terms, conditions and exclusions.