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  Coverage Definitions  

  Note: This is a general summary of coverages and it is not intended to give complete policy information.  All coverages and exclusions are found in the policies.  
  Coverages referenced on this website may not be available in all territories and may vary depending on the exposure. Minimum premiums may vary by State. Coverages and services described in this website are generally stated for the purpose of promotion. The material does not modify or amend the terms, conditions, or coverages of any policy. Please ask your Supple-Merrill & Driscoll, Inc. representative to explain coverage details, exclusions, limits or other provisions of any insurance policy.  


What is Wedding Insurance?

Wedding insurance protects your investment in your wedding for reasons including: damage to venues, venues & suppliers going out of business or not performing their services; the cancellation of the wedding for various causes, such as weather, terrorism, military deployment, airplane delays.


Coverage is also included to protect your rings, attire, photographs, video, luggage, presents, cake & flowers, and documents.


The Wedding Cancellation program includes coverage for the rehearsals, ceremony, and reception.


Cancellation, Abandonment or Postponement


An unavoidable deferment, or the inability to complete or proceed with the Wedding or Reception. Provides coverage for:


a) All irrecoverable expenses incurred for Reception catering services, entertainment expenses, Wedding accommodation, transport, Wedding flowers, photographs, dress hire, travel arrangements and accommodation for the honeymoon and any other non-refundable expenses that have been booked but not used.

b) The extra cost of alternative services to enable re-arrangement of the Wedding to a similar standard and thus prevent an otherwise unavoidable Cancellation, Abandonment or Postponement of the Wedding and/or Reception. These extra costs are limited to a maximum of 100% of the cost of the original services.


Supplier Deposits



Loss of non-refundable deposits paid to:


a) Suppliers/venues in the event of the cessation of their business;

b) Live entertainers if they fail to appear.


Wedding Cars and Transport


Covers the additional cost of alternative transport if the private hire firm with whom the transport arrangements have been made fails to meet their contractual obligations following breakdown of the vehicle, an accident involving the vehicle, or the non-appearance of the vehicle due to another cause.

Wedding Attire
  Covers Wedding Attire that is lost, stolen or damaged beyond repair or non-recoverable deposits if the supplier incurs financial failure.

Photographs and Video


Covers additional expenses incurred in the necessary retaking of the official Wedding photographs or video following:


1. the non-appearance of the booked photographer or videographer

2. loss of or damage to the original film, negatives or videotape

3. faulty materials causing the non-development of the original film or negatives.


Coverage is not included if the photographs and/or videotapes fail to meet the expectations or quality.


Wedding Presents


Covers loss of or damage to gifts, within 7 days before and after the Wedding. Cash gifts are limited to $500.


Wedding Rings


Covers loss or damage to the bride or groom's Wedding Rings, occurring within seven days before the Wedding.


Wedding Cake and Flowers


Covers loss of or damage to the Wedding cake and/or flowers within 24 hours before the Wedding.


Wedding Stationery


Covers loss or damage to the Wedding stationery within 28 days before the Wedding.


Wedding Documents


Covers loss of or damage to Wedding documents within 24 hours before and after the Wedding.


Honeymoon Luggage


Covers loss or damage to the honeymoon luggage on the day of the Wedding and/or Reception. Coverage is in force while the luggage is at the bride's or groom's or their parents' home, at the Reception or in transit between any of these locations.


Professional Counseling


Covers costs incurred by the bride or groom for professional counseling as recommended by a medical Physician as a result of the unavoidable Cancellation of the Wedding. Coverage is in force while the luggage is at the bride's or groom's or their parents' home, at the Reception or in transit between any of these locations.


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