Wedding insurance yarn

Vishal Kapoor
National accountsn mangaer
vkapoor@ansvar.com.au

Been an industry more in the uK, Australia just catching the coattails and but uk – hundreds and grown
Ansvar – a community based insurer, wholly owned Ecclesiastical
Australia’s largest fiath organistaion insurer, heritage and care facilities.
Church of England church –
GWP $165 million – griss written premium

What is wedding insurance
covers various events wich are enscapusalte din weding, cacelleation of wedding, wither fire weather peril, cover your photographs and phoggphas, dmage, don’t happen, accidental damage, cover failure of suppliers goes bankcrup or doesn’t show up or has an emergency that they cn’at ffulfli theirinsurance, wedding cars and transport, any contracd disputes, cover wedding attire damage – cover wedding presents, rings, givts flowers

Base three leves:

$279 gold – different limits

Wedding presents and  rings and gifts, $5000 limit

379 platinum

Wedding presents and  rings and gifts, $5000 limit

459 diamond

Covers wedding documents, – celebrant, also marquee and hire equipment and give syou public and private and public liability

Peronsal accidents, also gives a bit of cover for councelling – runaway bride –

Weddings cost a lot of money these days and for a $279 or 379 investnment why wouldn’t you insure for certain events.

 

In a nutshell insurance is not there to pick up anything which is will filly done, non anticpated , marquees being dmnaged, if accidental, someone tirps over. Kills someone – inadveratnt

Covered from the time you purchase the product already, into contractual opblations caters, etc, becuae it covmers you for contracd dispute or failyure of supplires, then even though it’s perceived, it actually covers you before the time after and before, and what contract you buy, might have your presents picking up from myers though the gift registery a month later.

Weather perils, lots of outdoor weddings, switche venues for bride and groom days leading up to, as a consweuqence of that, out of pocket of going from outdoor and indoor, consquencial looses of not being ble to bring your own alcohol, the venue holders have differnet licne venues, thus ther is a different cost.

Flowers not rock up – damaged wedding dresses, return the dress, out of pocket expense.

Cake maker gone out of business, taken deposist, had to source someone else, helped

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Caek 0- contractual dispute, you would have some sort of contrct between the baker and , if you feel in any way tha the cake was not up to standard, youd’ make it kno when you pic it upt, not much you can do on the day, as far as , individual has been – business

Usually business go ing b

Chefk takne ill, happy to facilitied a nother process, all these additional cost.

 

–          A flosrit not being able to delivere flowers in the dya s leading up (floods in QLD)

–          Supplier shave gone out of businesses banckurput

–          Phtogorapher loses his photographers where we’ve had to do a retake of photographs, some digitally enhanced,

–          Outdoor/indoor weddings planene d to go outdoor, wather, heat,

–          Food has been suppliers not being able to deliver, food catering is to do wht mussles prawns, out of season,

–          How flexible you are an dyour menues – additional cost