Wedding Insurance Claims

For many years, tens of thousands of couples from around the globe have been insuring their big day against potential nightmares. With more and more horror stories of damaged venues, last minute injury or illness and even lost or stolen wedding rings and dresses, it’s no wonder that Australian couples are turning to wedding insurance for protection against the unexpected.

Check out these real wedding insurance claims that we found from a US wedding insurer. It sure makes you think twice before dismissing the idea of wedding insurance… especially when it’s available to Australian couples from just $235!

 Why would we ever cancel or postpone our wedding?

• Ten inches of rain fell in Virginia, State Highway 10 was closed. Bridal party members and guests couldn’t get to reception site. Band, food, cake, flowers, photos all had to be cancelled.
  Amount Reimbursed through Event Cancellation coverage –  $25,000

• Groom experienced chest pains and went to hospital. Newly diagnosed heart condition forced him to postpone wedding.
  Amount Reimbursed through Event Cancellation coverage –  $28,907.45

• Event on Nantucket Island and Nor’easter came. No boats allowed on island.
  Amount Reimbursed through Event Cancellation coverage –  $25,808.60

• Wedding had to be cancelled because of withdrawal of military leave.
  Amount Reimbursed through Event Cancellation coverage –  $8,210.16

• Bride’s father had bicycle accident and broke his pelvis; ceremony postponed.
  Amount Reimbursed through Event Cancellation coverage –  $13,563.23

• Hurricane Katrina forced the bride and groom to cancel their wedding.
  Amount Reimbursed through Event Cancellation coverage – $17,952.32

Venues never fall through, do they?

• Wedding venue originally expected to open in time for the wedding, but construction completion date was pushed back and the wedding had to be rescheduled.
  Amount Reimbursed through Event Cancellation coverage –  $17,694.87

• Venue construction prevented wedding from being held; venue refused to refund deposit.
  Amount Reimbursed through Event Cancellation coverage –  $6,690.95

• Hurricanes Ivan & Frances damaged hotel; repairs originally scheduled to be completed by October but completion date pushed to January. Bride and groom had to find a new venue for their destination wedding and were out of pocket for additional costs.
  Amount Reimbursed through Extra Expense coverage –  $5,050

• Reception hall went out of business.
  Amount Reimbursed through Event Cancellation coverage –  $5,243.70

• Reception site was sold and shut down.
  Amount Reimbursed through Event Cancellation coverage – $13,367.38

• The wedding reception facility cancelled because they lost their permit. The wedding couple had to find a new location and had to pay extra money out of pocket for new invitations.
  Amount Reimbursed through Extra Expense coverage – $2,378

How much could we lose to a problem vendor?

• Hair and make-up vendors did not show up – and neither did the customer’s deposits.
  Amount Reimbursed through Loss of Deposits coverage – $2,320

• Customer received message from the photographer saying he was out of business, would not be attending the wedding and would not be refunding the deposit.
  Amount Reimbursed through Loss of Deposits coverage – $1,515

• Bridal shop filed bankruptcy before delivering dresses.
  Amount Reimbursed through Loss of Deposits coverage – $1,305

• Customer ordered invitations that never came; vendor disappeared with deposit.
  Amount Reimbursed through Loss of Deposits coverage – $1,101.93

What could possibly happen to my wedding photos?

• Photographer’s camera bag – containing several rolls of wedding pictures – was stolen during the reception.
  Amount Reimbursed through Photographs / Video coverage – $3,000

How much can it cost to repair a wedding dress?

• A guest spilled red wine on the bride’s wedding dress. Stains could not be removed; skirt had to be replaced and dress cleaned and preserved.
  Amount Reimbursed through Wedding Attire coverage – $3,275

What could happen to our wedding gifts?

• Airline lost luggage containing wedding gifts and wedding attire.
  Amount Reimbursed through Wedding Gifts & Wedding Attire coverages – $4,200

• Wedding gifts were stolen from trunk of car.
  Amount Reimbursed through Wedding Gifts coverage – $1,088

Do we really need to be concerned about liability and property damage at our wedding?

• Bride and groom held responsible for damaged carpet at reception.
  Claim paid by Property Damage coverage – $5,523.81

• Wedding couple held responsible for damaged table top and other property damages.
  Claim paid by Property Damage coverage – $7,000

• A wedding guest was injured in a fall on a slippery floor.
  Claim paid by Liability coverage – $2,500

• A wedding guest moved antique dining table and two table legs cracked.
  Claim paid by Property Damage coverage – $1,865

• Wedding couple held responsible for damage to a fountain at the reception site.
  Claim paid by Property Damage coverage – $1,325.77

Source – www.wedsafe.com