Wedding Insurance FAQs

Wedding insurance is an insurance policy that couples can purchase that covers certain out of pocket expenses in the event that something goes wrong on the lead up to, and on, the big day. Wedding insurance ensures that you’re reimbursed for certain lost deposits and payments and will also cover additional costs associated with the wedding and related services.

Australian resident couples getting married anywhere in the world. Dream Wedding Insurance can be purchased by the Bride, Groom or a member of their immediate family.

You are able to purchase online at dreamweddinginsurance.com by simply selecting the level of cover applicable to your wedding budget (Bronze, Silver, Gold, Platinum), fill out the requested information and purchase with a MasterCard or Visa. The whole process takes less than 5 minutes!

Cover starts from the day you take out a policy. You can purchase Dream Wedding Insurance up to 18 months prior to the wedding day.  If purchased less than 30 days before the Wedding Event, Section 1: Wedding Event Cancellation, Postponement or Rescheduling shall be excluded. The policy coverage will cease at the completion of the wedding event.

You can purchase Dream Wedding Insurance up to 18 months prior to the wedding day. If purchased less than 30 days before the Wedding Event, Section 1: Wedding Event Cancellation, Postponement or Rescheduling shall be excluded. The policy coverage will cease at the completion of the wedding event.

No. There is no excess or deductable on this policy.

The reception must directly follow the ceremony in order to be covered

Yes. Dream Wedding Insurance provides overseas wedding insurance. We will cover weddings taking place anywhere in the world. Section 9, Personal Liability is excluded for overseas weddings. Please refer to page 7 of the policy wording.

Generally, couples will choose a level of cover based on their total budget. You can view the policy benefits and cover limits here.

Claims can be lodged online on the how-to-claim page or by emailing claims@dreamweddinginsurance.com. You’ll then be contacted by the claims team to finalise your claim.

Personal liability insurance will cover you for the cost of compensation against your legal liability for injuries or damage to other people or property. Please read the policy wording for policy limitations and exclusions.

You must pay by credit card when you take out a policy. We accept MasterCard or Visa and transactions are completed securely online. Your confirmation email will arrive in seconds, along with your certificate.

Yes, please read the policy wording so that you’re fully aware of the policy limitations and exclusions. If you have any questions, jump on the web-chat and speak with a specialist. You can request a call at anytime if you’d prefer to speak with someone.

You are covered if your wedding is cancelled 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.

No. This insurance is for the wedding event only.

You are covered up to the limits detailed in the policy wording. You can increase the level of cover up to 30 days before the wedding, you will need to pay the additional premium. Simply email info@dreamweddinginsurance.com and request an upgrade.

Each claim is assessed individually and our objective is to settle all claims as quickly as possible. We seek to resolve claims within 7 days.

Yes! As long as the incident occurs after the date of purchase, you will have coverage for payments and deposits that were paid prior to purchasing a policy. Please read the policy wording for limitations and exclusions.

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

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.

Yes. 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.

If a weather-related event causes the curtailment or cancellation of your wedding, then cover is provided subject to limitations and exclusions. Please refer to Section 1 , on page 8 of the policy wording for limitations and exclusions.

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

Yes, we cover visa holders, temporary residents and permanent residents.

If either you or your partner are an Australian resident, then you are eligible to purchase a policy

No. This cover is for weddings only.

No. There is no cover for redundancy, please refer to the policy wording for further details.

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 refer to Section 1, page 6 of the Policy Wording for exclusions and limitations.

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

The policy provides personal liability cover. Please refer to Section 6, page 10 of the policy wording for exclusions and limitations.

We cover non-refundable deposits for lost goods or services should your wedding suppliers fail to meet their contractual obligations. Please refer to Section 4, page 10 on the Policy Wording for exclusions and limitations.

Yes, we provide coverage against accidental damage to hired equipment including marquees. Please refer to Section 5, page 10 on the Policy Wording for exclusions and limitations.

This policy covers the cost of repair or replacement of clothing or accessories that are damaged or stolen while in the possession of the Bride, Groom and/or immediate family members and/or members of the bridal party. Please refer to Section 2, page 9 on the Policy Wording for exclusions and limitations.

A Certificate of Insurance will be provided via email immediately following your policy purchase.

Yes, subject to a maximum sum insured under your chosen level of cover. Please refer to Section 2, page 9 of the policy wording for exclusions and limitations.

Yes, we will cover wedding gifts including gift certificates and money, up to the limit outlined in the policy wording.

We will cover any pre paid fees and additional costs incurred in arranging alternative flowers. Please refer to Section 4 – Supplier Failure, page 10 on the Policy Wording for exclusions and limitations.

We will cover any pre-paid fees as well as additional costs incurred in arranging alternative transport.

Australian Resident means an Australian citizen or a person who is living in Australia and is either:
• a permanent visa holder, or
• a protected Special Category Visa (SCV) holder.

Only one of you must be an Australian resident.

Yes. Liability insurance up to $5,000,000 is included as standard in every policy that we offer. Personal Liability insurance is not covered for overseas weddings. Please refer to Section 6, page 10 on the Policy Wording for exclusions and limitations.

Please email us at info@dreamweddinginsurance.com and we will be able to provide you with an option through one of our partners.

Generally speaking, when a venue requests that you purchase public or personal liability, they want to insure that you are covered, from a legal standpoint, against third party property damage and/or injury. For this instance, personal liability and public liability are the same thing. Ask your venue for clarification if there is any doubt.

No, this cover is for the wedding event only.

Pre-existing medical conditions are excluded and you will not be able to make a claim under the policy. Please refer to the Pre-Existing Medical conditions definition on page 13 on the Policy Wording.

Yes. Bare in mind that there will be no coverage for Personal Liability if your wedding is taking place outside of Australia.

Yes. Please use the web-chat to advise the agent that you’d like to receive a phone call. A specialist will then call at your convenience and answer any questions you may have. Alternatively, send us an email at info@dreamweddinginsurance.com, tell us your phone number and best time to call, and you’ll be contacted promptly.

No. As with most insurance policies, there is a general exclusion applicable for any instances involving a terrorist attack. Please refer to General Exclusion 6 on page 14 of the Policy Wording.

Yes, this would be classed as severe weather and there is provision in the policy for a claim.

Please use your Child’s name and their partner’s name for the online form.

In the event of a cancellation claim, all of your wedding related expenses will be reimbursed. This includes flights, accommodation and other expenses associated with your wedding.

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Terms, conditions, limits and exclusions apply. Please refer to the PDS