Cumbria Insurance Brokers have teamed up with Ecclesiastical Insurance
to provide you with wide ranging cover and a first class claims service
to ensure your big day is memorable for all the right reasons.
Research shows the average cost of a wedding is now circa £16,000
yet only a small percentage of people choose to protect such a large
investment. This would perhaps suggest we think nothing can go wrong,
but here are some examples of recent claims:
Brides dress hung too close to a light fitting and scorched — Insurers
replaced the front panel
Marquee broken into before the wedding, heaters stolen and cake
knocked to the ground —
Insurers paid for replacement heaters and re-icing of the cake
Wedding rings, shoes and some bridesmaid’s clothing items
accidentally taken to the tip along with some other boxes by the
groom — Insurers replaced the rings and clothing items, including
express courier delivery for the shoes so they would be there for
the big day.
There are 4 cover options to ensure you can buy adequate protection,
the table below details the options available to you.
Type of cover
Tier 1
Tier 2
Tier 3
Tier 4
Premium inc. IPT*
£48
£60
£110
£160
Cancellation or Curtailment
£5,000
£8,000
£16,000
£24,000
Re-arrangement
Up to 50% of the cost of the
original service you paid for
Wedding attire
£2000
£3000
£5000
£6000
Wedding presents
£2000
£3000
£5000
£6000
Wedding rings
£2000
£2000
£4000
£5000
Cakes or flowers
£2000
£2000
£4000
£5000
Wedding photographs and video
£1500
£2000
£3000
£5000
Failure of suppliers
£1000
£1500
£4000
£5000
Transport
£1500
£2000
£4000
£5000
Wedding documents
£500
£500
£1000
£1000
Public liability
£2m
£2m
£2m
£2m
Legal expenses
N/A
£20,000
£20,000
£20,000
Marquees — Premium £78.75 inc IPT*
£20,000
£20,000
£20,000
£20,000
For more information on policy cover, limits, exclusions and all
terms & conditions, please download
the policy summary.
Alternatively please call our Wedding Insurance Department on 01228
531071 (Mon-Fri 9am to 5pm) or use our general enquiry form.