What’s Covered

Understanding wedding insurance

Dream Wedding Insurance protects your wedding deposits and pre-payments when you need to cancel, reschedule or postpone your wedding due to specified events occurring. Dream Wedding Insurance also protects you if you’re let down by your venue/caterer/florist or other wedding suppliers, if you have to cancel due to injury/sickness/severe weather, if you damage hired equipment, if you face legal liabilities due to property damage or injury and more. Each of these events could leave you in financial hardship… and that’s where wedding insurance comes in. Dream Wedding Insurance gives you comfort that, if certain unfortunate events occur, deposits and pre-payments are protected.

Terms, conditions, limits and exclusions apply. Please refer to the PDS. Coverage is available to Australian residents that are getting married in Australia or Overseas. You can purchase a policy up to the day before the wedding or up to 18 months in advance (note that there is no cover available under Section 1. Cancellation, Postponement and Rescheduling if you purchase your policy less than 30 days before the wedding).

IMPORTANT NOTICE – MARCH 27 2020 – 19:30 AEST: WHILE WE ASSESS THE IMPACT OF PUBLIC HEALTH ADVICE AROUND COVID-19, WE HAVE SUSPENDED ISSUING NEW POLICIES FOR WEDDINGS TAKING PLACE BEFORE OCTOBER 1 2020. POLICIES MAY STILL BE PURCHASED FOR WEDDINGS TAKING PLACE ON OR AFTER OCTOBER 1 2020. THESE POLICIES WILL NOT HAVE COVERAGE FOR CLAIMS RELATING TO COVID-19 BUT WILL BE FULLY REFUNDED OR AMENDED TO A FUTURE DATE IF THE WEDDING IS UNABLE TO GO AHEAD DUE TO GOVERNMENT LOCKDOWNS OR SOCIAL DISTANCING RESTRICTIONS.

IMPORTANT NOTICE – MARCH 18 2020 – 15:30 AEST: PLEASE BE AWARE THAT NEW POLICIES WILL NOT HAVE COVERAGE FOR CLAIMS RELATING TO COVID-19. EXISTING POLICYHOLDERS PLEASE CLICK HERE FOR INFORMATION RELATING TO COVID-19.

ONE TIME PAYMENT – INSTANT COVERAGE – INCLUDES COVERAGE FOR DEPOSITS ALREADY PAID

Choose A Policy To Suit Your Budget

Bronze

$211.50

$8,000
Wedding Event Cancellation, Postponement or Rescheduling #
$3,000
Wedding Supplier Failure
$1,500
Hired Cars or Transport
$2,000
Wedding Attire & Wedding Rings
$2,000
Wedding Gifts^
$1,000
Accidental Damage to Hired Equipment
$5 million
Personal Liability*
Next steps
Silver

$418.50

$16,000
Wedding Event Cancellation, Postponement or Rescheduling #
$6,000
Wedding Supplier Failure
$3,000
Hired Cars or Transport
$5,000
Wedding Attire & Wedding Rings
$4,000
Wedding Gifts^
$2,000
Accidental Damage to Hired Equipment
$5 million
Personal Liability*
Next steps
Gold

$812.25

$35,000
Wedding Event Cancellation, Postponement or Rescheduling #
$15,000
Wedding Supplier Failure
$7,500
Hired Cars or Transport
$10,000
Wedding Attire & Wedding Rings
$8,000
Wedding Gifts^
$5,000
Accidental Damage to Hired Equipment
$5 million
Personal Liability*
Next steps
Platinum

$1,220.75

$75,000
Wedding Event Cancellation, Postponement or Rescheduling #
$30,000
Wedding Supplier Failure
$10,000
Hired Cars or Transport
$20,000
Wedding Attire & Wedding Rings
$16,000
Wedding Gifts^
$10,000
Accidental Damage to Hired Equipment
$5 million
Personal Liability*
Next steps

# Wedding Event Cancellation, Postponement or Rescheduling not covered if purchased less than 30 days before the wedding.

^ Sub-limit of $500 per item applies for wedding gifts. Maximum limit for money as a wedding gift is $500. 

* Personal Liability not covered for overseas weddings.

Wedding Insurance Benefits

Coverage at home or overseas

We will provide coverage for Australian residents that are getting married in Australia or overseas. Personal Liability coverage is not included for overseas weddings.

Wedding Event Cancellation, Postponement or Rescheduling

If it is necessary to cancel, postpone or reschedule your wedding event, we will reimburse you, up to the limits outlined in the table of benefits, for certain unforeseen events. Coverage includes cancellation by the venue, injury or sickness to the bride, groom or an immediate family member, severe weather or natural disasters and more.

Wedding Attire & Wedding Rings

If your wedding attire and/or wedding rings are lost, stolen or damaged whilst in possession of the bride, groom, a member of the bridal party or an immediate family member, then we will reimburse you, up to the amounts outlined in the table of benefits, for the actual and incurred cost to either repair or replace.

 

Wedding Gifts

If within seven (7) days prior, or at your wedding event, your wedding gifts are lost, stolen or damaged due to accident, fire or theft, we will reimburse the cost to repair or replace (whichever is less) Your Wedding Gifts up to $500 per item. The maximum amount payable in total for all items is outlined in the table of benefits. The maximum amount payable for money as a wedding gift is $500 in total.

Wedding Supplier Failure

If your original wedding supplier fails to meet written, signed and contracted obligations to you for your wedding event resulting from the wedding supplier’s bankruptcy, liquidation (after paying the supplier any monies) or non-appearance, we will reimburse you up to up to the limits outlined in the table of benefits.

Personal Liability

If due to an accident caused by your action (or any persons for which you are legally liable for) at your wedding event within Australia, you become legally liable to pay damages, we will indemnify against such damages and all legal costs and expenses up to $5,000,000.

Accidental Damage to Hired Equipment

If hired equipment, including marquees, tents, gazebos, portable flooring, chairs, tables, furniture or lighting equipment, is accidentally damaged whilst in your care, custody and control, we will reimburse you, up to the limits outlined in the table of benefits, the cost to repair or replace the accidentally damaged hired equipment.