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News
Voyager Insurance Services Products Nominated for Top Awards in the Insurance Choice Awards 2017

We are pleased to announce that Voyager Travel Insurance and Dreamsaver Wedding Insurance have been nominated in top categories in the Insurance Choice Awards! Voting is easy – simply leave a...

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Is the EHIC enough when travelling to Europe on holiday?

With all the excitement of going on holiday such as picking exciting destinations and choosing between hotels, it is sometimes all too easy to overlook the importance of travel insurance,...

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FAQs

We hope the FAQs below answer your query, however if you cannot find what you are looking for then please call 01483 562 662 quoting Dreamsaver Wedding Insurance and we will be happy to help

  1. Why do we need Wedding Insurance?
  2. When should we take out Wedding Insurance?
  3. I have already paid a deposit. Will this be covered?
  4. We will be getting married in a small civil ceremony with a larger church blessing and reception 2 weeks later. Are both dates covered?
  5. Can a Civil Partnership Ceremony be covered?
  6. We are getting married abroad. Can we take out a policy?
  7. My fiance lives abroad. Can we take out a policy?
  8. My fiance is in the Armed Forces. Are we covered if he is unexpectedly posted abroad?
  9. What about if one of us decides not to go ahead with the marriage after all?
  10. What happens if the professional wedding photographs fail because the film or digital storage media is faulty and there are no copies available?
  11. I have an existing medical condition. Can this be covered?
  12. What happens if one of the suppliers goes bust?
  13. Our wedding venue is flooded just before the big day. Are we covered?
  14. We are hiring a marquee and will need to insure it. Is this included or can it be added to the policy?
  15. Our venue requires us to provide insurance in case any of us or the guests causes accidental damage during the reception. Is this included?
  16. Is my honeymoon or overseas wedding trip insured on this policy?
  17. Am I covered for re-arrangement as a result of contagious disease e.g. swine-flu?
  18. Does the Dreamsaver policy have an excess?

Why do we need Wedding Insurance?

When planning what will be one of the biggest and most expensive days of your life, no-one really want to think of what might go wrong. Sadly, however, weddings do sometimes have to be cancelled or re-arranged for a wide range of different reasons and Wedding Insurance is there to help make sure that you do not lose money as a result. Even if the day goes ahead, other problems can arise and Wedding Insurance helps you to sort them out and pay for unexpected additional costs.

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When should we take out Wedding Insurance?

Ideally, you should take it out as soon as you have paid any deposits or signed a contract that means you will lose money if you are forced to change your plans. You can arrange our insurance at any time up to 24 months before the big day.

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I have already paid a deposit. Will this be covered?

Yes - provided you are not aware of any particular circumstances that may give rise to a claim when you take out the policy. This cover will only commence 14 days after the policy has started.

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We will be getting married in a small civil ceremony with a larger church blessing and reception 2 weeks later. Are both dates covered?

Both dates will be covered provided they are not more than 21 days apart. If your civil marriage and blessing/reception are more than 21 days apart then you will need to take out two separate policies, one for each date. The same goes if you are getting married abroad with a small ceremony overseas and then having a party/reception when you return back to the UK. The two events must be less that 21 days apart to be covered under the same policy.

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Can a Civil Partnership Ceremony be covered?

Yes - we view this as just the same as a wedding.

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We are getting married abroad. Can we take out a policy?

Yes - you can take a policy for weddings anywhere in the world. For weddings abroad, however, you cannot take the extension to add the liability of your guests and liability is excluded completely for weddings in the USA or Canada.

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My fiance lives abroad. Can we take out a policy?

Yes - provided one of you is normally resident here in the UK you can take out a policy.

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My fiance is in the Armed Forces. Are we covered if he is unexpectedly posted abroad?

Yes - provided that there was no notice of possible cancellation of leave at the time the policy was taken out.

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What about if one of us decides not to go ahead with the marriage after all?

This is known as "disinclination to proceed" and is not insured, sadly.

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What happens if the professional wedding photographs fail because the film or digital storage media is faulty and there are no copies available?

Then the reasonable costs of taking replacement formal photographs of the couple and the immediate Wedding party can be claimed.

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I have an existing medical condition. Can this be covered?

Most existing medical conditions are insured automatically, both for the Couple and also their close relatives. There is no cover, however, for Pre-existing medical conditions that have resulted in a terminal prognosis or where the condition is awaiting treatment or investigation at a hospital or you are awaiting the results of tests or investigations, unless you have declared details to us and we have agreed to insure them. You can call us to discuss a medical condition on 01483 562 662

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What happens if one of the suppliers goes bust?

Then you may claim for any irrecoverable deposits that you may have paid and also for the necessary additional costs in arranging an equivalent alternative. A definition of wedding service suppliers is included in the policy wording.

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Our wedding venue is flooded just before the big day. Are we covered?

Yes - you will be covered for the additional costs of rearranging a suitable alternative venue for the same day, if that is possible, or irrecoverable amounts and additional costs of having to cancel and rearrange the whole event for a later day.

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We are hiring a marquee and will need to insure it. Is this included or can it be added to the policy?

There is an optional extension that you can take to add this cover for up to £20,000 or £50,000, subject to payment of the appropriate additional premium.

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Our venue requires us to provide insurance in case any of us or the guests causes accidental damage during the reception. Is this included?

Your own personal liability is included as standard up to £2,000,000. There are optional extensions available to add cover for the liabilities of your guests up to £2,000,000 in total or to increase the limit to £5,000,000 in total, including guests' liabilities. There are restrictions on the liability cover for overseas weddings as detailed in the policy wording.

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Is my honeymoon or overseas wedding trip insured on this policy?

No - you will need to take out separate travel insurance for your honeymoon or overseas wedding trip, which would normally include cancellation cover if you are not able to travel as planned. If travelling to get married abroad, the Wedding Insurance only covers the extra costs and items specifically relevant to the wedding itself, including the rings, wedding attire, essential document indemnity etc., not the cost of the trip itself.

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Am I covered for re-arrangement as a result of contagious disease e.g. swine-flu?

Yes, if the wedding couple or a close relative on whom the wedding plans depend contracts swine-flu and it is medically necessary to postpone or re-arrange the wedding cover is in place. However there is no cover if Government regulations are put in place, such as restrictions to prohibit any events / large public gatherings from taking place.

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Does the Dreamsaver policy have an excess?

No, there are no excesses applicable under any section of the policy.

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Need Travel Insurance for your Honeymoon?

While you're getting Wedding Insurance to cover your ceremony and reception, why not get some of our great value Travel Insurance to cover your Honeymoon?

Read more on Travel Insurance

 

 

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Voyager Insurance Services Ltd. is a member of the Somerville group of companies.
Voyager Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (Firm reference no. 305814)
Voyager Insurance Services Ltd. is registered in England No. 3251842 Registered Office: Buzzards Hall, Friars Street, Sudbury, Suffolk CO10 2AA