ourwedding INSURANCE · Our Wedding Insurance will pay up to the maximun benefit per insured wedding. Disclaimer This wedding insurance is provided by Wedding Insurance Group Pty

Your wedding is a special day where you want everything to go smoothly and according to plan.

Wedding Insurance puts your mind at rest, and it provides cover for unexpected events that may spoil your special day.

ourweddinginsurance.com.au

Jetty Blue Photography

ourweddingINSURANCEourweddinginsurance.com.au

A wedding day is one that most couples want to remember forever - and for all the right reasons. This should be one of the most special days of your life, and naturally every couple wants everything to go perfectly on the big day. Your day is a special, memorable occasion. You will spend many months and a lot of money preparing and planning for it. You want it to be perfect.

Everyone hopes that nothing will happen to spoil their wedding day, however, despite the careful planning and thought that you put into the big day, things can go wrong.

Don’t let disaster ruin your big day!

WHAT HAPPENS IF

DISASTER STRIKES?

The dress is ruined before the day?

One of the couple or any of the

family falls ill?

The venue for the reception closes?

You lose the rings?

2 www.ourweddinginsurance.com.au or 1300 942 807

The average wedding nowadays costs over $48,296*, a major financial commitment. Many people will spend much less than this and others much more, but everyone getting married has something in common – in paying for their big day they are making one of the largest financial investments of their lives.

After buying a house or a car, the other significant financial commitment in most people’s lives will be their wedding day!

Since a house and a car cost so much the majority of people insure them, for the same reason more and more people are buying wedding insurance.

Don’t panic - Our Wedding Insurance is the ideal policy for protection against wedding day disasters. Buying Our Wedding Insurance is an exceptionally affordable investment, normally <1% of the average wedding cost and easy to do, giving you the peace of mind that if the worst does happen, you won’t be left suffering the financial consequences, and wishing you had taken out Wedding Insurance.

*Bride To Be Cost Of Love survey 2011

Wedding Insurance isn’t just about having your wedding cancelled – it’ll also help you if your photographer doesn’t turn up, if you lose your rings or if your beautiful flowers don’t arrive, or you accidentally cause damage at the reception.

You’ll probably be paying more than enough to arrange your wedding in the first place – Our Wedding Insurance cover will make sure you don’t waste your money or lose it.

Wedding Insurance helps make things right when something goes wrong.

WHAT HAPPENS IF

DISASTER STRIKES?

The dress is ruined before the day?

One of the couple or any of the

family falls ill?

The venue for the reception closes?

You lose the rings?

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*Not available for overseas weddings.

With weddings costing many thousands of

dollars, it makes sense to check the cost of

taking out wedding insurance to safeguard

against losses related to -Personal Liability up to $5 million* Cancellation Expenses Postponement Expenses Wedding Attire Wedding Rings Wedding Suppliers Wedding Documents Wedding Cars & Transport Legal Expenses Florist FailureWedding GiftsMarquee DamageVenue FailureSickness & Injury& More

Of course you don’t want to think about mishaps on your wedding day, but you will feel more comfortable knowing that you are covered for a range of instances such as accident, illness and other circumstances beyond your control. That’s why more and more couples are making Our Wedding Insurance an essential part of their wedding plans.


Unforeseen circumstances do happen, to postpone, cancel or re-organise your wedding can prove to be not only stressful but extremely expensive. If you do not have Our Wedding Insurance you will be faced with paying the bills of a cancelled wedding and also incurring new charges to re-organise it.

Our top four wedding insurance claims:

1. Damage to the wedding dress, jewellery or outfits

2. Cancellation3. Problems with the venue4. Problems with suppliers, such as

caterers and cars

WHY YOU NEED WEDDING INSURANCE?

Our Wedding Insurance packages provide cover for many eventualities which may arise on or prior to your wedding.

Our Wedding Insurance could cover you if: 1. You have any problems with a supplier. 2. Damage is caused to the wedding dress/ suits. 3. You have to cancel due to accident, illness or bereavement.

Purchasing Our Wedding Insurance is a comprehensive, yet low cost way to cover you financially, leaving you to focus on the fun aspects of planning your big day.

Consider how much worry and stress you will be able to rid yourself of, during and after

your wedding planning.

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Almost every article about weddings seems to

begin "It was supposed to be the happiest day of

their lives..." before launching into a horror story.

Think about these situations.

“Cake maker goes out of business. Wedding cake

cannot be made: Wedding Insurance pays the out

of pocket expenses in reordering a new wedding

cake.”

“Bride tears hem of dress when trying it on. Hem

must be repaired: Wedding Insurance covers cost

of repairs.”

“Bride and Groom struck down with severe food

poisoning the night before the wedding requiring

hospitalisation: Wedding Insurance pays costs

involved in rearranging the wedding day.”

Who should buy wedding insurance?

Whoever can’t afford to put on the same event twice.


Public liability You’re covered for up to $5 million for your legal liabilities if someone is injured or property is damaged at your wedding.

Cancellation or curtailment We’ll pay the costs you can’t recover, if you have to cancel, postpone or rearrange your wedding. This could be because one of your immediate family members falls ill - or for another unexpected (and unavoidable) reason such as severe weather conditions. We’ll also pay for extra costs in rearranging things to avoid cancelling the wedding. Unfortunately, we can’t pay if one of the parties changes their mind.

Failure of suppliers If a supplier goes out of business before your big day, you’re

WHAT IS COVERED?

Couples should take the time to work out what they are spending on all the main areas of their wedding and then carefully select the level of Our Wedding Insurance cover that adequately meets their need. So it really does make sense to get your Our Wedding Insurance as soon as you set a date, make bookings, and start paying deposits.

You can apply for Our Wedding Insurance by visiting www.ourweddinginsurance.com.au or calling 1300 942 807.

HOW DO I BUY WEDDING INSURANCE?

The best time to buy Our Wedding Insurance is when you start to spend money that you can’t afford to lose. Our Wedding Insurance can be purchased up to 18 months out from the Wedding Day and a minimum of 30 days prior to the wedding day.

WHEN SHOULD I PURCHASE INSURANCE?

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Consider whether it makes good sense to protect the investment that you have made in the wedding.

You could be spending half your life savings on your wedding day, it’s a good idea to pay the few hundred extra to insure your investment.

Wedding insurance is something you shouldn’t be tempted to skip.

The most important factor for anyone planning a wedding is comfort. The smallest hitch could turn a simple wedding into a total nightmare. It probably won’t. But what if it does? You need to be sure that everything is taken care of.

covered for the deposits you’ve paid – and for any extra costs involved for arranging a replacement.

Cover for the special details With Our Wedding Insurance you’re covered for the dress, the rings and gifts. So you’ll be compensated if they’re lost, stolen or damaged.

Please ensure you read the Product Disclosure Statement available on our website, as the Our Wedding Insurance policy changes from time to time.

Image courtesy of Dora Wedding Rings8 www.ourweddinginsurance.com.au or 1300 942 807

You can apply for Wedding Insurance by visiting

www.ourweddinginsurance.com.au or by calling 1300 942 807

Peace of mind from

$240$240

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Image by JettyBlue Photography

In Australia, we’re underwritten by certain underwriters at Lloyd’s of London, the largest insurance market in the world. Lloyd’s interacts with thousands of brokers daily to create insurance solutions for businesses in over 200 countries and territories around the world. Lloyd’s of London insures the majority of FTSE 100 and Dow Jones industrial average companies. We are your wedding indusurance speciliasts, we provide:

WHY SELECT WEDDING INSURANCE FROM US?

• Affordable protection. • Instant quote, and easy, secure over the phone purchase. • Offices across Australia, with over 45,000 employees

worldwide.

In the unfortunate event of a claim, it’s incredibly important to us that your experience is as quick and seamless as possible. Following an email to the claims team, you’ll be contacted by a specialist who will manage your claim from start to finish, ensuring that you can recommence your wedding planning as if nothing happened.

EXCELLENT CLAIMS SERVICE IF YOU NEED TO MAKE A WEDDING INSURANCE CLAIM


OUR WEDDING INSURANCE RATES AND BENEFITS Our Wedding Insurance will pay up to the maximun benefit

per insured wedding.

Disclaimer This wedding insurance is provided by Wedding Insurance Group Pty Ltd (ABN 25 161 972 354

Representative Number 000448305) Wedding Insurance Group is an authorised representative of A.I.S Insurance Brokers Pty Ltd (AFSL: 448305). A.I.S is an agent of the insurer, certain underwriters

at Lloyd’s of London. This website provides general information only without taking into account your objectives, financial situation or needs. Please read the Product Disclosure Statement (PDS) and Financial Services Guide (FSG) before deciding to buy this insurance. Terms, conditions and

exclusions apply.buy this insurance. Terms, conditions and exclusions apply.

SILVER GOLD PLATINUM DIAMOND

Cancellation and Postponement $5,000 $10,000 $25,000 $50,000


Rescheduling of Wedding $2,500 $5,000 $10,000 $15,000

Wedding Gifts $2,000 $4,000 $8,000 $16,000

Supplier Failure $1,500 $3,000 $3,500 $4,000

Wedding Documents $500 $500 $500 $500

Equipment Hire $1,000 $2,000 $5,000 $10,000

Contract Dispute $2,500 $5,000 $7,500 $10,000

Personal Liability $5,000,000

$240 $465 $870 $1,285

$5,000,000 $5,000,000$5,000,000

Wedding Attire and Rings $2,000 $5,000 $10,000 $20,000

Buy Now Buy Now Buy Now Buy Now

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Image by Pink Ice Photography12 www.ourweddinginsurance.com.au or 1300 942 807

Your Questions AnsweredWe have answered many of the commonly asked questions about Our Wedding Insurance below. If you would like more information or to view the Product Disclosure Statement please visit our website www.ourweddinginsurance.com.au.

Q. WHO CAN APPLY FOR OUR WEDDING INSURANCE ? A. Any couple getting married. Our Wedding™ Insurance can be purchased by the bride, groom or their immediate family members.

Q. WHEN DOES THE OUR WEDDING™ INSURANCE START? A. From the day you take out the policy, but not more than 18 months from the wedding date. The policy expires at the end of the wedding day.

Travel insurance designed for Brides & Grooms.

Coming soon.... www.honeymooninsurance.com.au

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Isn’t it time to organise wedding insurance?

Visit www.ourweddinginsurance.com.au

Q. HOW FAR IN ADVANCE SHOULD I BUY OUR WEDDING INSURANCE FOR MY WEDDING TO BE COVERED? A. Our Wedding Insurance is available for purchase not less than thirty days and not more than eighteen months prior to the wedding.

Q. WHAT HAPPENS IF THE WEDDING IS CANCELLED? A. You are covered if your wedding is cancelled or cut short due to specified events listed in the Policy. If any of the specified events happened, you may have to pay for suppliers or goods that you’ve booked but cannot use. Under this cover, you would be able to claim for these costs. Please refer to the Policy Wording for the list of specific events that are covered against cancellation of the wedding.

Q. WILL I BE COVERED FOR DEPOSITS ALREADY PAID PRIOR TO PURCHASING OUR WEDDING INSURANCE? A. Yes, providing any event causing the cancellation of the wedding occurs after 30 days from the date of policy purchase.

Q. WHAT HAPPENS IN THE EVENT EITHER THE BRIDE OR GROOM DECIDES TO CHANGE THEIR MINDS? A. Cancellation costs incurred by either party deciding not to go ahead with the wedding will not be paid.

Q. IS WEATHER COVERED? A. Yes, if severe weather causes the curtailment or cancelation of your wedding. Q. WHAT HAPPENS IF THE BRIDE/GROOM GETS SICK JUST BEFORE THE WEDDING/CEREMONY? A. Cover is provided if the illness is to the bride/groom or an immediate family member and this causes the cancellation or curtailment of the wedding.


Q. WHAT HAPPENS IF ONE OF MY GUESTS IS INJURED AT THE RECEPTION AND I AM HELD RESPONSIBLE? A. The policy provides personal liability cover. Please refer to Page 10 of the policy wording.

Q. WHAT HAPPENS IF OUR SUPPLIERS GO OUT OF BUSINESS BEFORE WE COLLECT THE ATTIRE? A. Cover will be provided subject to limitations and exclusions.

Q. WHAT HAPPENS IF THE BRIDE OR ANOTHER PERSON CRUCIAL TO THE WEDDING GETS SICK AND CAN’T ATTEND? A. Sickness is not covered unless it is the Bride, Groom or an immediately family member and this causes the cancellation or curtailment of the wedding.

Q. IF WE LOSE OUR WEDDING RINGS, ARE THEY COVERED? A. Yes, but subject to maximum sum insured, limitation and exclusions.

Q. DOES OUR WEDDING INSURANCE COVER ALL WEDDING PRESENTS INCL. CHEQUES, GIFT CERTIFICATES, ETC.? A. Yes, but there are limits.

Isn’t it time to organise wedding insurance?

Visit www.ourweddinginsurance.com.au

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Of course you don’t need luck ... you have wedding insurance!

GOOD LUCKwith the wedding plans

Disclaimer This wedding insurance is provided by Wedding Insurance Group Pty Ltd (ABN 25 161

972 354 Representative Number 000448305) Wedding Insurance Group is an authorised representative of A.I.S Insurance Brokers Pty Ltd (AFSL: 448305). A.I.S is an agent of the insurer, certain underwriters at Lloyd’s of London. This website provides general

information only without taking into account your objectives, financial situation or needs. Please read the Product Disclosure Statement (PDS) and Financial Services Guide (FSG)

before deciding to buy this insurance. Terms, conditions and exclusions apply.buy this insurance. Terms, conditions and exclusions apply.

ourweddinginsurance.com.au