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2 Defined terms are highlighted in bold blue see page 5 for their meanings

Welcome to Shaadi Cover

Thank you for choosing Shaadi Cover Please read carefully all documents that we have provided and keep them in a safe place.

If you have any questions, need anything explaining or believe this contract does not meet your needs, please contact us or your insurance adviser.

Your policy Your policy is a contract of insurance between you and us.

The information and any declaration, which you or anyone on your behalf has provided to us in applying for the insurance together with your policy, forms the basis of the contract.

Your policy describes the cover for which we have accepted your premium. The policy wording, schedule and any endorsements must be read together.

Your policy is divided into a number of sections. Where a section does not apply, your schedule will state that it is ‘not covered’.

Throughout your policy, we use defined terms. Defined terms are used to explain what a word means and are highlighted in bold blue print.

Headings have been used for your guidance to help you understand the cover provided. The headings do not form part of the contract.

Under the heading ‘What is covered’ we give information on the insurance provided. This must be read with ‘What is not covered’, the Policy conditions and the Section conditions at all times.

Under the heading ‘What is not covered’ we draw your attention to what is excluded from your policy.

General advice about claims on your Shaadicover Any incident or loss which results, or may result in a claim under your Shaadicover should be notified as soon as possible to AXA Insurance on the telephone numbers stated under the Important telephone numbers stated on page 4.

Contents

Contents 2

Welcome to Shaadi Cover 3

Your policy 3

Important telephone numbers 4

Meaning of defined terms 5

Policy conditions 8

Policy exclusions 10

Sections of cover

Section 1 – Cancellation and rearrangement of the insured event 13

Section 2 – Ceremonial and bridal attire 15

Section 3 – Wedding gifts 16

Section 4 – Wedding ring(s), flowers, attendants gifts and cake 17

Section 5 – Wedding cars 18

Section 6 – Photography and video 19

Section 7 – Financial failure of suppliers 21

Section 8 – Personal accident 22

Section 9 – Professional counselling 23

Section 10 – Legal expenses 24

Section 11 – Wedding stationery 26

Section 12 – Public liability 27

Section 13 – Essential documents 29

Section 14 – Optional marquee and mobile WC unit extension 30

Making a complaint 32

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3

Welcome to Shaadi Cover

Thank you for choosing Shaadi Cover Please read carefully all documents that we have provided and keep them in a safe place.

If you have any questions, need anything explaining or believe this contract does not meet your needs, please contact us or your insurance adviser.

Your policy Your policy is a contract of insurance between you and us.

The information and any declaration, which you or anyone on your behalf has provided to us in applying for the insurance together with your policy, forms the basis of the contract.

Your policy describes the cover for which we have accepted your premium. The policy wording, schedule and any endorsements must be read together.

Your policy is divided into a number of sections. Where a section does not apply, your schedule will state that it is ‘not covered’.

Throughout your policy, we use defined terms. Defined terms are used to explain what a word means and are highlighted in bold blue print.

Headings have been used for your guidance to help you understand the cover provided. The headings do not form part of the contract.

Under the heading ‘What is covered’ we give information on the insurance provided. This must be read with ‘What is not covered’, the Policy conditions and the Section conditions at all times.

Under the heading ‘What is not covered’ we draw your attention to what is excluded from your policy.

General advice about claims on your Shaadicover Any incident or loss which results, or may result in a claim under your Shaadicover should be notified as soon as possible to AXA Insurance on the telephone numbers stated under the Important telephone numbers stated on page 4.

Late notificationThis insurance does not cover incidents which may result in a claim that are not notified in writing to us (or our claims service) as soon as reasonably practical (other than as specified in Section 6).

For claims occurring under Section 6 –Photography and video, you must observe the specific claims reporting conditions detailed within this section.

This insurance is underwritten by AXA Insurance UK plc other than Section 10 – Legal expenses which is underwritten by Inter Partner Assistance SA.

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Meaning of defined terms

These meanings apply throughout your policy. If a word or phrase has a defined meaning, it will be highlighted in bold blue print and will have the same meaning wherever it is used.

There are additional defined meanings in some sections.

Additional costs The difference between the original cost of the wedding services and/or wedding events and the rearranged wedding services and/or wedding events.

Adverse weatherWeather conditions are such that they cause major disruption to travel services i.e. rail, road or bus, therefore severely affecting the ability of participants and guests to attend the wedding ceremony. For international travel by air or sea, the booked arrival date must be at least five days before the wedding ceremony.

AttendantsNon-professional participants (that is participants who do not receive a fee or remuneration of any kind) who attend to the bride or groom during the wedding ceremony.

Bodily injuryInjury caused by external, violent and visible means.

Bridal attireClothing and accessories of a formal nature worn by the bride at the wedding ceremony whether hired or owned.

Ceremonial attireClothing and accessories including ceremonial sword (other than bridal attire) of the bride and groom, male and female attendants and the parents of the bride and groom, whether hired or owned.

Civil partnershipA legal union between two people of the same sex in the United Kingdom or equivalent if outside the United Kingdom.

Claims, other than legal expenses 0870 900 0867Liability claims: for claims under section 12

Property claims: for claims under sections 1-9, 11, 13 and if insured 14

Legal expenses: advice and claims 0845 366 7229*

Making a claimIf you need to make a claim please first check your policy to make sure that you are covered. You must then follow the Claims condition on page 8.

Making a complaintIf you are not happy with the way a claim or any other matter has been dealt with, please read ‘Making a complaint’ on pages 32 – 33.

Important telephone numbers

Please quote ‘AXA Insurance – Shaadicover Wedding Legal Expenses Insurance’

*The legal expenses: advice and claims helpline is provided for Arc Legal Assistance by their panel solicitors. Any solicitor providing advice will be authorised and regulated by the Solicitors Regulation Authority.

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Meaning of defined terms

These meanings apply throughout your policy. If a word or phrase has a defined meaning, it will be highlighted in bold blue print and will have the same meaning wherever it is used.

There are additional defined meanings in some sections.

Additional costs The difference between the original cost of the wedding services and/or wedding events and the rearranged wedding services and/or wedding events.

Adverse weatherWeather conditions are such that they cause major disruption to travel services i.e. rail, road or bus, therefore severely affecting the ability of participants and guests to attend the wedding ceremony. For international travel by air or sea, the booked arrival date must be at least five days before the wedding ceremony.

AttendantsNon-professional participants (that is participants who do not receive a fee or remuneration of any kind) who attend to the bride or groom during the wedding ceremony.

Bodily injuryInjury caused by external, violent and visible means.

Bridal attireClothing and accessories of a formal nature worn by the bride at the wedding ceremony whether hired or owned.

Ceremonial attireClothing and accessories including ceremonial sword (other than bridal attire) of the bride and groom, male and female attendants and the parents of the bride and groom, whether hired or owned.

Civil partnershipA legal union between two people of the same sex in the United Kingdom or equivalent if outside the United Kingdom.

CoupleThe bride and groom or civil partner, at least one of whom must be resident in the United Kingdom.

Close relativeParent, parent-in-law, step-parent, son, son-in-law, step-son, adopted son, daughter, daughter-in-law, step-daughter, adopted daughter, grandparent, grandson, granddaughter, brother, brother-in-law, stepbrother, sister, sister-in-law, step-sister, foster child or legal guardian.

DamageAccidental loss, destruction or damage.

Defined perilFire, lightning, explosion, aircraft or other aerial devices or articles dropped from them, riot, civil commotion, strikers, locked-out workers, persons taking part in labour disturbances, malicious persons other than thieves, earthquake, storm, flood, escape of water from any tank apparatus or pipe or impact by any road vehicle or animal.

Denial of service attackAny actions or instructions constructed or generated with the ability to damage, interfere with or otherwise affect the availability of networks, network services, network connectivity or information systems. Denial of service attacks include, but are not limited to, the generation of excess traffic into network addresses, the exploitation of system or network weaknesses and the generation of excess or non-genuine traffic between and amongst networks.

Essential documentsThe documentation required by the relevant foreign authority to enable the wedding ceremony to take place outside the United Kingdom, this includes, but is not limited to, visas, birth certificates and passports.

Claims, other than legal expenses 0870 900 0867Liability claims: for claims under section 12

Property claims: for claims under sections 1-9, 11, 13 and if insured 14

Legal expenses: advice and claims 0845 366 7229*

Important telephone numbers

Please quote ‘AXA Insurance – Shaadicover Wedding Legal Expenses Insurance’

*The legal expenses: advice and claims helpline is provided for Arc Legal Assistance by their panel solicitors. Any solicitor providing advice will be authorised and regulated by the Solicitors Regulation Authority.

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Meaning of defined terms continued Meaning of defined terms continued

Defined terms are highlighted in bold blue see page 5 for their meanings

HackingUnauthorised access to any computer or other equipment or component or system or item which processes stores or retrieves data whether your property or not.

HomeYour permanent residential address in the United Kingdom.

Insured/you/your Any person who has made a significant financial contribution to an insured event and is also resident in the United Kingdom together with the couple named in the schedule.

Insured eventUp to 6 events relating to one wedding celebration provided they all take place within a period not exceeding 94 days.

Insurers/we/our/usShaadi Cover underwritten by AXA Insurance UK plc other than in relation to Section 10 – Legal Expenses insurance where this is underwritten by Inter Partner Assistance SA.

Loss of limbPhysical severance at or above the wrist or ankle or the total and permanent loss of use of an entire hand, arm, foot or leg.

Loss of sightComplete and irrevocable loss of sight in one or both eyes.

MarqueeThe hired tent, gazebo or other summer house arrangement together with staging, chairs, tables and ancillary equipment hired or leased by you (or by another person on your behalf) solely for the purpose of your wedding ceremony and for which you (or such other person) are responsible.

TerrorismFor England, Scotland and Wales Terrorism is defined as acts of persons acting on behalf of, or in connection with, any organisation which carries out activities directed towards the overthrowing or influencing, by force or violence, of Her Majesty’s Government in the United Kingdom or any other government de jure or de facto.

For Northern Ireland Terrorism is defined as an act including, but not limited to the use of force or violence and or threat thereof of any person or group(s) of persons whether acting alone or on behalf of or in connection with any organisation(s) or government(s) committed for political, religious, ideological or similar purposed including the intention to influence any government and or put the public or any section of the public in fear.

For the Channel Islands and the Isle of Man or any other territory Terrorism is defined as an act of any person(s) acting on behalf of or in connection with any organisation which carries out activities directed towards the overthrowing or influencing by force or violence of any government de jure or de facto.

United KingdomEngland, Scotland, Wales and Northern Ireland.

Virus or similar mechanismProgram code, programming instruction or any set of instructions intentionally constructed with the ability to damage, interfere with or otherwise adversely affect computer programs, data files or operations, whether involving self-replication or not. The meaning of virus or similar mechanism includes but is not limited to, trojan horses worms and logic bombs.

Wedding ceremonyA ceremony which creates a contract of marriage or a civil partnership which is legally enforceable within the United Kingdom.

Mobile WC unitThe hired-in temporary lavatory facilities, including fixtures and fittings.

Overseas weddingA wedding ceremony taking place outside the United Kingdom.

Period of insuranceSpecifically defined in each section of this policy.

Permanent total disablementTotal disablement from engaging in or attending to any occupation whatsoever for at least 12 months from the date of bodily injury, and at the end of that time is beyond hope of improvement.

Personal accidentA sudden, unexpected, unusual, specific, violent, external event, which occurs at a single identifiable time and place and independently of all other causes, which results directly, immediately and solely in physical bodily injury which results in a loss.

PhishingAny access or attempted access to data or information made by means of misrepresentation or deception.

Pre-existing medical conditionAny ongoing medical condition, or condition which has required medical treatment (including consultations or advice) within the last 12 months from the date the cover starts as shown in the schedule.

Significant financial contribution A financial contribution of no less than 50% of the total cost of the insured events or 50% of any one of the insured sections.

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Meaning of defined terms continued Meaning of defined terms continued

7

TerrorismFor England, Scotland and Wales Terrorism is defined as acts of persons acting on behalf of, or in connection with, any organisation which carries out activities directed towards the overthrowing or influencing, by force or violence, of Her Majesty’s Government in the United Kingdom or any other government de jure or de facto.

For Northern Ireland Terrorism is defined as an act including, but not limited to the use of force or violence and or threat thereof of any person or group(s) of persons whether acting alone or on behalf of or in connection with any organisation(s) or government(s) committed for political, religious, ideological or similar purposed including the intention to influence any government and or put the public or any section of the public in fear.

For the Channel Islands and the Isle of Man or any other territory Terrorism is defined as an act of any person(s) acting on behalf of or in connection with any organisation which carries out activities directed towards the overthrowing or influencing by force or violence of any government de jure or de facto.

United KingdomEngland, Scotland, Wales and Northern Ireland.

Virus or similar mechanismProgram code, programming instruction or any set of instructions intentionally constructed with the ability to damage, interfere with or otherwise adversely affect computer programs, data files or operations, whether involving self-replication or not. The meaning of virus or similar mechanism includes but is not limited to, trojan horses worms and logic bombs.

Wedding ceremonyA ceremony which creates a contract of marriage or a civil partnership which is legally enforceable within the United Kingdom.

Mobile WC unitThe hired-in temporary lavatory facilities, including fixtures and fittings.

Overseas weddingA wedding ceremony taking place outside the United Kingdom.

Period of insuranceSpecifically defined in each section of this policy.

Permanent total disablementTotal disablement from engaging in or attending to any occupation whatsoever for at least 12 months from the date of bodily injury, and at the end of that time is beyond hope of improvement.

Personal accidentA sudden, unexpected, unusual, specific, violent, external event, which occurs at a single identifiable time and place and independently of all other causes, which results directly, immediately and solely in physical bodily injury which results in a loss.

PhishingAny access or attempted access to data or information made by means of misrepresentation or deception.

Pre-existing medical conditionAny ongoing medical condition, or condition which has required medical treatment (including consultations or advice) within the last 12 months from the date the cover starts as shown in the schedule.

Significant financial contribution A financial contribution of no less than 50% of the total cost of the insured events or 50% of any one of the insured sections.

Wedding celebrationsThe traditional ceremonies and events held in the lead up to the main wedding ceremony, such as Roka; Shagan and Chunni Shagan; Mehndi; Sangeet and Tilak.

Wedding dateThe day specified in the proposal form and schedule for the wedding ceremony to take place.

Wedding giftsGifts for the couple presented for the purpose of celebrating the wedding ceremony, including cash and vouchers.

Wedding ringsThe ring(s) exchanged by the couple at the wedding ceremony.

Wedding servicesServices traditional to the celebration of a wedding ceremony such as: professional photography and/or professional video operation; professional wedding planner; floral arrangements; hired cars or other transport; wedding guest accommodation; toastmaster; venue; wedding cake; ceremonial attire; catering; DJ/disco; band/musician or paid entertainment contracted by you to provide services at the insured event. Wedding gift list providers are not included.

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Policy conditions continued


Policy conditions

These are the conditions of the cover and apply throughout your policy. There may also be addititional conditions under each section of cover. If you do not comply with a condition you may not receive payment for a claim or you may lose all right to your cover.

If you are unsure about any of the conditions or whether you need to tell us about any matter, please contact us or Shaadi Cover.

Cancellation condition1 You may cancel this policy within 14 days

of receiving the policy documents by contacting us at:

Shaadi Cover c/o Jaggi & Co Aegis House 491 London Road, Isleworth Middlesex TW7 4DA

We will provide you with a full refund of premium providing you have not made a claim and the insured event did not take place within 14 days of receiving the policy.

2 If you cancel this policy at any time after the 14 day statutory period has expired, no refund of premium will be given.

3 Non payment of premiums – we can cancel this policy immediately by sending you written notice if you do not pay the premium.

4 Cancellation of your policy will not affect any claims or rights you or we may have before the date of cancellation.

Change in risk conditionIf the risk changes during the period of insurance let us know because you may not be insured. If you do not comply with this condition we have the right to refuse your claim. We do not have to accept any request to change your cover. If we accept any change we may increase the premium or apply different terms and conditions.

Claims condition 1 You must notify us of any incident that may

result in a claim as soon as you can and in any event as soon as reasonably practical of becoming aware of the incident. You or your legal representatives must supply at your own expense, all information and evidence needed by us to support a claim. Additional action then depends on the type of claim:

a theft, loss, malicious damage or vandalism – you must tell the Police as soon as possible

b legal liability for bodily injury or damage – as soon as reasonably practical upon receipt send us any court claim form, summons or other legal document served upon you

c you or anyone acting on your behalf must not accept, pay, settle or refuse or decline any third party claim without our written consent.

2 In the event of a claim, you must provide full details in writing to show that original contractual obligations with suppliers were in place.

3 Claims on more than one section of the policy for the same loss are not permitted.

4 For claims occurring under Section 6 – Photography and video, you must observe the specific claims reporting conditions detailed within this section.

If you or anyone acting for you:

1 knowingly make a fraudulent or exaggerated claim under your policy;

2 knowingly make a false statement in support of a claim (whether or not the claim itself is genuine); or

3 knowingly submit a false or forged document in support of a claim (whether or not the claim itself is genuine),

We will:

a refuse to pay the claim;

b declare the policy void, treating it as if it had never existed without any refund of premium; and

c recover any sums that we have already paid under the policy in respect of the claim and any previous claims.

We may also inform the police of the circumstances.

Geographical limits conditionThis policy applies to insured events taking place anywhere in the world. For insured events taking place in the United Kingdom, cover is available under all sections of the policy subject to payment of the appropriate premiums. For insured events overseas cover under Sections 14 Marquee and mobile WC unit is not available and cover under Section 12 Public liability is excluded for insured events taking place in the USA or Canada. Under Section 9 Professional counselling cover excludes professional counselling provided outside of the United Kingdom.

Law applicable conditionYou and we can choose the law which applies to this policy. We propose that the Law of England and Wales apply.

Unless we and you agree otherwise, the Law of England and Wales will apply to this policy.

Legal representative conditionIf you die, your legal representative(s) will have the protection of this cover as long as they comply with the terms and conditions of this policy.

Medical examination conditionWhere a claim for bodily injury is made you will undergo any medical examination that we may require. In the case of death we will be entitled to have a post mortem examination at our own expense.

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Policy conditions continued

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Policy conditions

Claims condition 1 You must notify us of any incident that may

result in a claim as soon as you can and in any event as soon as reasonably practical of becoming aware of the incident. You or your legal representatives must supply at your own expense, all information and evidence needed by us to support a claim. Additional action then depends on the type of claim:

a theft, loss, malicious damage or vandalism – you must tell the Police as soon as possible

b legal liability for bodily injury or damage – as soon as reasonably practical upon receipt send us any court claim form, summons or other legal document served upon you

c you or anyone acting on your behalf must not accept, pay, settle or refuse or decline any third party claim without our written consent.

2 In the event of a claim, you must provide full details in writing to show that original contractual obligations with suppliers were in place.

3 Claims on more than one section of the policy for the same loss are not permitted.

4 For claims occurring under Section 6 – Photography and video, you must observe the specific claims reporting conditions detailed within this section.

If you or anyone acting for you:

1 knowingly make a fraudulent or exaggerated claim under your policy;

2 knowingly make a false statement in support of a claim (whether or not the claim itself is genuine); or

3 knowingly submit a false or forged document in support of a claim (whether or not the claim itself is genuine),

We will:

a refuse to pay the claim;

b declare the policy void, treating it as if it had never existed without any refund of premium; and

c recover any sums that we have already paid under the policy in respect of the claim and any previous claims.

We may also inform the police of the circumstances.

Geographical limits conditionThis policy applies to insured events taking place anywhere in the world. For insured events taking place in the United Kingdom, cover is available under all sections of the policy subject to payment of the appropriate premiums. For insured events overseas cover under Sections 14 Marquee and mobile WC unit is not available and cover under Section 12 Public liability is excluded for insured events taking place in the USA or Canada. Under Section 9 Professional counselling cover excludes professional counselling provided outside of the United Kingdom.

Law applicable conditionYou and we can choose the law which applies to this policy. We propose that the Law of England and Wales apply.

Unless we and you agree otherwise, the Law of England and Wales will apply to this policy.

Legal representative conditionIf you die, your legal representative(s) will have the protection of this cover as long as they comply with the terms and conditions of this policy.

Medical examination conditionWhere a claim for bodily injury is made you will undergo any medical examination that we may require. In the case of death we will be entitled to have a post mortem examination at our own expense.

Other insurance conditionIf a claim is made under this policy and there is other insurance cover for which you are, or would be but for this policy, entitled to have a claim paid under this other insurance, we will at our option, either pay

1 a proportionate share of the claim

or

2 an amount beyond that which is or would be payable under the other insurance.

Premium payment conditionYou will not be covered under this policy unless the premium has been paid.

Reasonable care conditionYou must take reasonable steps to

1 take due care and attention at all times for the safety of your property

2 take all reasonable steps to prevent accident, loss or damage.

If you do not comply with this condition you will not be covered and we will not make any payment in respect of a claim.

Subrogation (our rights condition)We will be entitled to undertake in your name or on your behalf

1 the defence or settlement of any claim

2 steps to enforce rights against any other party before or after payment is made by us.

Sum insured limit conditionOur total liability will not exceed the respective sums stated in your schedule.

Third party rights conditionThis contract is between you and us. The rights under this contract will not be enforceable by any other party other than you or us because of the Contracts (Rights of Third Parties) Act 1999.

Transfer of interest conditionYou may not transfer your interest in this insurance.

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Policy exclusions continued


Policy exclusions

The following exclusions apply to all sections of this policy.

Attendance at court exclusionWe will not cover any losses arising as a result of your obligation to attend a Court of Law as a witness, if your attendance falls within your occupation or professional or other similar capacity. We will, however, cover losses where you attend in your own private, non-professional capacity.

Breach of government regulations exclusionWe will not cover any losses arising from prohibitive regulations by the Government of any country.

Electronic risks exclusionWe will not cover you for any losses directly or indirectly caused by contributed to by or arising from or occasioned by or resulting from

1 the alteration, modification, distortion, corruption of or damage to any computer or other equipment or component or system or item which processes stores transmits or receives data or any part thereof whether tangible or intangible (including but without limitation any information or programs or software); or

2 any alteration modification distortion erasure, corruption of data processed by any such computer or other equipment or component or system or item

whether your property or not, where such loss is directly or indirectly caused by or contributed to by or arising from or occasioned by or resulting from virus or similar mechanism or hacking or phishing or denial of service attack.

We will cover subsequent damage which is covered by this section, which itself results from a defined peril covered by this section, except for damage caused by malicious persons other than thieves.

Existing circumstances exclusionWe will not cover any circumstances (likely to give rise to a claim on the policy) which you are aware of at the time of taking out this policy.

Flight costs exclusionThis policy does not pay for flight travel costs.

Financial loss exclusionWe will not cover any losses, whether directly or indirectly, arising out of your financial incapacity.

Inflatables, firearms and fireworks exclusionWe will not cover any claims arising from the ownership or use of

1 bouncy castles and other inflatables

2 firearms, fireworks or other pyrotechnic devices or effects.

Malicious damage exclusionWe will not cover wilful or malicious acts and any acts of vandalism by people invited to the insured event by you.

Medical advice exclusionWe will not cover anyone acting against the advice of a medical practitioner.

Pollution or contamination exclusionWe will not cover any loss, damage, liability or bodily injury arising directly or indirectly from pollution or contamination, unless caused by a sudden and unforeseen and identifiable incident.

Pre-existing medical condition exclusionWe will not cover any claims arising directly or indirectly from any pre-existing medical condition.

Radioactive contamination exclusionWe will not cover damage, or any other loss or expense resulting or arising from damage to any property directly or indirectly caused by or contributed to by or arising from

1 ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel

2 the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or of its nuclear components of that assembly.

Self-inflicted injury exclusionWe will not cover your wilfully, self-inflicted injury or illness, solvent abuse, alcohol abuse, the use of drugs (other than drugs taken in accordance with treatment prescribed and directed by a registered medical practitioner, but not for drug addiction) or your injury from an unnecessarily dangerous act (except in an attempt to save human life). We will not cover any loss whereby any period of disability or loss whatsoever, is increased through your own act or omission.

Sexually transmitted disease exclusionWe will not cover any claim arising directly or indirectly from injury, illness, death, loss, expense or other liability attributable to sexually transmitted disease.

Sonic bangs exclusionWe will not cover you for any loss or damage directly caused by the pressure waves of aircraft and other aerial devices travelling at sonic or supersonic speeds.

Stress exclusionWe will not cover any claims arising directly or indirectly from anxiety, stress or depression unless you are admitted as an in-patient at a recognised hospital.

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Policy exclusions

Existing circumstances exclusionWe will not cover any circumstances (likely to give rise to a claim on the policy) which you are aware of at the time of taking out this policy.

Flight costs exclusionThis policy does not pay for flight travel costs.

Financial loss exclusionWe will not cover any losses, whether directly or indirectly, arising out of your financial incapacity.

Inflatables, firearms and fireworks exclusionWe will not cover any claims arising from the ownership or use of

1 bouncy castles and other inflatables

2 firearms, fireworks or other pyrotechnic devices or effects.

Malicious damage exclusionWe will not cover wilful or malicious acts and any acts of vandalism by people invited to the insured event by you.

Medical advice exclusionWe will not cover anyone acting against the advice of a medical practitioner.

Pollution or contamination exclusionWe will not cover any loss, damage, liability or bodily injury arising directly or indirectly from pollution or contamination, unless caused by a sudden and unforeseen and identifiable incident.

Pre-existing medical condition exclusionWe will not cover any claims arising directly or indirectly from any pre-existing medical condition.

Radioactive contamination exclusionWe will not cover damage, or any other loss or expense resulting or arising from damage to any property directly or indirectly caused by or contributed to by or arising from

1 ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel

2 the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or of its nuclear components of that assembly.

Self-inflicted injury exclusionWe will not cover your wilfully, self-inflicted injury or illness, solvent abuse, alcohol abuse, the use of drugs (other than drugs taken in accordance with treatment prescribed and directed by a registered medical practitioner, but not for drug addiction) or your injury from an unnecessarily dangerous act (except in an attempt to save human life). We will not cover any loss whereby any period of disability or loss whatsoever, is increased through your own act or omission.

Sexually transmitted disease exclusionWe will not cover any claim arising directly or indirectly from injury, illness, death, loss, expense or other liability attributable to sexually transmitted disease.

Sonic bangs exclusionWe will not cover you for any loss or damage directly caused by the pressure waves of aircraft and other aerial devices travelling at sonic or supersonic speeds.

Stress exclusionWe will not cover any claims arising directly or indirectly from anxiety, stress or depression unless you are admitted as an in-patient at a recognised hospital.

Terrorism exclusionWe will not cover you for loss, damage, cost or expense of any nature directly or indirectly caused by, resulting from or in connection with

1 For England, Scotland, Wales, the Channel Islands, the Isle of Man and any other territory except Northern Ireland.

a any act of terrorism, regardless of any other cause or event contributing concurrently or in any other sequence to the loss

b any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism

2 For Northern Ireland

a any act of terrorism, regardless of any other cause or event contributing concurrently or in any other sequence to the loss

b any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism

c riot, civil commotion and (except for damage or interruption to the business caused by fire or explosion) strikers, locked-out workers or persons taking part in labour disturbances or malicious persons.

If any of the points above are found to be invalid or unenforceable, the remainder shall remain in full force and effect.

In any action, lawsuit or other proceedings or where we state that any loss, damage, cost or expense is not covered by this section it will be your responsibility to prove that they are covered.

Theft exclusionWe will not cover any

1 loss or theft from unattended secured venues or vehicles unless involving forcible and/or violent entry or exit

2 theft or attempted theft unless involving forcible and/or violent entry or exit from attended secured premises.

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Travel and accommodation costs exclusionWe will not cover travel and accommodation costs to attend professional counselling in the United Kingdom.

Unlawful acts or proceedings exclusionWe will not cover any losses arising as a result of any unlawful act by you or criminal proceedings against you or any other person on whom the wedding ceremony plans depend in any relevant country.

Vaccinations exclusionWe will not cover any losses directly or indirectly occasioned by, happening through, or as a result of vaccinations.

War risks exclusionWe will not cover any claims caused by or happening through war, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil war, civil rebellion, warlike operations, revolution, insurrection or military or usurped power, confiscation, nationalisation, requisition, seizure or destruction or damage to property by or under the order of any government or public or local authority.

Wear and tear exclusionWe will not cover any loss of or damage due to or arising from

1 wear and tear, inherent defect

2 rot, mildew, rust, corrosion, frost, soiling

3 insects, woodworm, vermin, moth

4 dyeing, renovation

5 electronic, electrical or mechanical breakdown, failure or derangement

6 faulty operation, design, plan, specification or materials

7 gradual deterioration, market depreciation

8 atmospheric conditions

9 shrinkage or change of colour

10 confiscation, detention or any process of clearing, restoration or repair.

Section 1 – Cancellation and rearrangement of the insured event

Contents of this section

Part 1 – Cancellation 13

Part 2 – Rearrangement 14

Applicable to Part 1 and Part 2 14

Section conditions 14

Period of insurance 14

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13


Wear and tear exclusionWe will not cover any loss of or damage due to or arising from

1 wear and tear, inherent defect

2 rot, mildew, rust, corrosion, frost, soiling

3 insects, woodworm, vermin, moth

4 dyeing, renovation

5 electronic, electrical or mechanical breakdown, failure or derangement

6 faulty operation, design, plan, specification or materials

7 gradual deterioration, market depreciation

8 atmospheric conditions

9 shrinkage or change of colour

10 confiscation, detention or any process of clearing, restoration or repair.

Section 1 – Cancellation and rearrangement of the insured event

What is covered

Part 1 – CancellationWe will pay up to the amount stated in your schedule for any irrecoverable expenses incurred by you for ceremonial attire, flowers, photographs, caterers, transport, accommodation and the services from any other wedding supplier booked but not used as a direct result of the unavoidable cancellation or curtailment of the insured events as a result of

1 the booked venue or caterers for the insured event being unable to hold your wedding ceremony due to an outbreak of infectious or contagious disease, damage to the venue (including marquee subject to cover being selected), murder or suicide at the premises or closure of the venue by the relevant authority, bankruptcy or liquidation

2 the death, injury or sickness of the couple or your close relative which would make it inappropriate to continue with the insured event

3 the unforeseen and total non-appearance on the wedding date of any booked and paid for professional wedding services

4 accidental complete loss of or severe damage to bridal attire or ceremonial attire (of the couple only) which renders the items unwearable, where the purchase or hire of alternatives is not possible

5 redundancy, where notice is received at least eight weeks after the issue of the policy and qualifying for payment under the current United Kingdom redundancy legislation, of the insured

6 the unforeseen cancellation of your previously agreed leave of a serving member of the UK armed forces or unavoidable and necessary duty for the ambulance service, coastguard, fire brigade or police personnel which occurs during the period of insurance

7 the non-appearance of the officiating minister or registrar

3


Part 1 – Cancellation 13

Part 2 – Rearrangement 14

Applicable to Part 1 and Part 2 14



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Section 1 – Cancellation and rearrangement of the insured event continued


8 the inability of the couple and more than 50% of the guests to reach the insured event venue due to adverse weather conditions (cover starts 14 days after the premium is paid)

9 claims arising directly or indirectly from failure to obtain the recommended vaccinations. (For you or anyone else upon whose health your wedding ceremony depends).

Part 2 – RearrangementIn the event of cancellation or curtailment of the insured event or services for reasons specified in Part 1 above, we will pay up to the limit detailed in your policy schedule to reimburse you for reasonable additional costs incurred in rearranging the insured event and/or wedding services to a similar standard to the amount originally budgeted.

What is not covered

Applicable to Part 1 and Part 2We will not cover any claim arising directly or indirectly from

1 strikes or labour disputes

2 unemployment other than redundancy as specified in Part 1 What is covered

3 worsening of your financial circumstances or those of any person or company on whom the wedding ceremony arrangements depend, except as provided for in Part 1 What is covered

4 wedding ceremony arrangements not honoured by your employer, other than as provided in Part 1 What is covered

5 your refusal to enter into the contract of marriage as agreed, failure to comply with legal requirements or your failure to obtain the relevant legal documentation needed to enable the wedding to take place

6 failure to notify the provider of any goods or service as soon as possible if it becomes necessary to cancel or curtail the insured event

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7 cancellation, curtailment or rearrangement of travel and/or accommodation arrangements made for a wedding ceremony outside the United Kingdom

8 additional costs not notified to us or agreed in advance of the rearranged wedding ceremony

9 normal pregnancy, without any accompanying bodily injury, illness, disease or complication. This section is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth would not constitute an unforeseen event

10 pre-existing medical conditions.

Section conditionsThese conditions of cover apply only to this section. If you do not comply with a condition you may lose all right to cover under your policy or to receive payment for a claim.

Claims conditions All additional costs and expenses must be notified to us and agreed by us in advance of the rearranged insured event.

Any claims made under Part 1 – Cancellation, cannot also be made under Part 2 – Rearrangement section.

Period of insuranceCover under this section starts from the date the premium is paid, and finishes on completion of the insured event or when a claim is made under this section of the policy, whichever occurs first.

Section 2 – Ceremonial and bridal attire


What is covered 15

What is not covered 15

Section condition 15


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Section 1 – Cancellation and rearrangement of the insured event continued

7 cancellation, curtailment or rearrangement of travel and/or accommodation arrangements made for a wedding ceremony outside the United Kingdom

8 additional costs not notified to us or agreed in advance of the rearranged wedding ceremony

9 normal pregnancy, without any accompanying bodily injury, illness, disease or complication. This section is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth would not constitute an unforeseen event

10 pre-existing medical conditions.

Section conditionsThese conditions of cover apply only to this section. If you do not comply with a condition you may lose all right to cover under your policy or to receive payment for a claim.

Claims conditions All additional costs and expenses must be notified to us and agreed by us in advance of the rearranged insured event.

Any claims made under Part 1 – Cancellation, cannot also be made under Part 2 – Rearrangement section.

Period of insuranceCover under this section starts from the date the premium is paid, and finishes on completion of the insured event or when a claim is made under this section of the policy, whichever occurs first.

Section 2 – Ceremonial and bridal attire

What is coveredWe will pay up to the amount stated in your schedule for the reinstatement or replacement (at our discretion) of bridal attire or ceremonial attire if it is lost or damaged whilst in your possession or that of your close relative, within 3 months before and for the duration of the wedding ceremony. For hired bridal attire and ceremonial attire this cover will apply for up to 48 hours after the start of the wedding ceremony to allow for re-hire and the taking of photographs by a professional photographer only.

What is not coveredWe will not cover

1 theft, attempted theft or malicious damage losses not reported to the Police as soon as reasonably practical

2 loss or damage by theft or attempted theft of any bridal attire or ceremonial attire left in any unattended vehicle, unless it is left in the locked boot or locked glove compartment of a motor vehicle, concealed from view and there is evidence of violent, visible and/or forcible entry.

Section conditionThis condition of cover applies only to this section. If you do not comply with a condition you may lose all right to cover under your policy or to receive payment for a claim.

Claims condition In the event of a claim an amount will be deducted to reflect previous wear and tear for owned and hired ceremonial attire and bridal attire.

Period of insurance For bridal attire and ceremonial attire cover under this section starts 3 months before the wedding date and finishes at the end of the day of the wedding ceremony

For hired bridal attire and ceremonial attire cover under this section will apply for up to 48 hours after the start of the wedding ceremony.

3

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What is covered 15


Section condition 15


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Section 3 – Wedding gifts

What is coveredWe will pay up to the amount stated in your schedule (subject to the maximum for any one item) for loss of or damage to wedding gifts as a result of accident, fire or theft or attempted theft whilst being stored by you or your close relative. This cover also applies whilst gifts are in transit.


1 any loss by theft or attempted theft not reported to the Police as soon as reasonably practical

2 loss or damage by theft or attempted theft of any wedding gifts left in any unattended vehicle, unless they are left in the locked boot or locked glove compartment of a motor vehicle, concealed from view and there is evidence of violent, visible and/or forcible entry

3 loss or damage by theft or attempted theft of any wedding gifts left in your permanent residence in the United Kingdom (unless any other location has been agreed in writing by us), wedding ceremony venue or wedding reception venue, unless there is evidence of violent, visible and/or forcible entry or exit from the property where the wedding gifts were contained

4 more than the maximum amount per item shown in the schedule for any wedding gift.

Period of insuranceCover starts from when you receive the gift, but not more than 7 days before the wedding ceremony and for a further 24 hours after the wedding ceremony or until a claim is made under this section, whichever occurs first.

3

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What is covered 16



Section 4 – Wedding ring(s), flowers, attendants gifts and cake


What is covered 17



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Section 3 – Wedding gifts

What is coveredWe will pay up to the amount stated in your schedule (subject to the maximum for any one item) for loss of or damage to wedding gifts as a result of accident, fire or theft or attempted theft whilst being stored by you or your close relative. This cover also applies whilst gifts are in transit.


1 any loss by theft or attempted theft not reported to the Police as soon as reasonably practical

2 loss or damage by theft or attempted theft of any wedding gifts left in any unattended vehicle, unless they are left in the locked boot or locked glove compartment of a motor vehicle, concealed from view and there is evidence of violent, visible and/or forcible entry

3 loss or damage by theft or attempted theft of any wedding gifts left in your permanent residence in the United Kingdom (unless any other location has been agreed in writing by us), wedding ceremony venue or wedding reception venue, unless there is evidence of violent, visible and/or forcible entry or exit from the property where the wedding gifts were contained

4 more than the maximum amount per item shown in the schedule for any wedding gift.

Period of insuranceCover starts from when you receive the gift, but not more than 7 days before the wedding ceremony and for a further 24 hours after the wedding ceremony or until a claim is made under this section, whichever occurs first.

3

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Section 4 – Wedding ring(s), flowers, attendants gifts and cake

What is coveredWe will pay up to the amount stated in your schedule for loss of, or damage to, wedding ring(s), flowers, attendants’ gifts, and the wedding cake which occurs during the time specified in 1 and 2 of Period of insurance below.


1 theft of wedding ring(s), flowers and attendants’ gifts unless these items were removed by visible and/or forcible means

2 any loss due to theft or attempted theft, not reported to the Police as soon as reasonably practical

3 loss of, or damage to, floral arrangements, or to the wedding cake, which are covered under Section 1

4 loss or damage by theft or attempted theft of any wedding ring(s), flowers, attendants’ gifts or the wedding cake, left in any unattended vehicle, unless they are left in the locked boot or locked glove compartment of a motor vehicle, concealed from view and there is evidence of violent, visible and/or forcible entry

5 more than the maximum amount per item shown in the schedule for any wedding ring or attendants gifts.

Period of insurance1 Cover for wedding ring(s) starts 7 days

before the wedding ceremony. Cover expires 24 hours after the wedding ceremony or when a claim is made under this section, whichever occurs first.

2 Cover for flowers, attendants’ gifts and the wedding cake starts 36 hours before the wedding ceremony. Cover expires 24 hours after the wedding ceremony or when a claim is made under this section, whichever occurs first.

3

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What is covered 17



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Section 5 – Wedding cars

What is coveredWe will pay up to the amount stated in your schedule if the private car hire firm or individual with whom the car hire arrangements have been made fails to meet their contractual obligation(s) following non-appearance, breakdown or road traffic accident. This covers irrecoverable deposits and any additional costs.


1 losses which are covered under Section 1

2 losses arising unless a written contract is in existence

3 any costs which would have been incurred had the original supplier not failed to meet their contractual obligations

4 financial failure of any service provider.

Period of insuranceCover under this section starts from the date the premium is paid, and finishes on completion of the wedding ceremony or until a claim is made under this section of the policy, whichever occurs first.

3

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What is covered 18



Section 6 – Photography and video


What is covered 19




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Section 5 – Wedding cars

What is coveredWe will pay up to the amount stated in your schedule if the private car hire firm or individual with whom the car hire arrangements have been made fails to meet their contractual obligation(s) following non-appearance, breakdown or road traffic accident. This covers irrecoverable deposits and any additional costs.


1 losses which are covered under Section 1

2 losses arising unless a written contract is in existence



Period of insuranceCover under this section starts from the date the premium is paid, and finishes on completion of the wedding ceremony or until a claim is made under this section of the policy, whichever occurs first.

3

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Section 6 – Photography and video

What is coveredWe will pay you up to the amount stated in your schedule for expenses incurred to take or re-take wedding ceremony photographs or videos or refund any non-recoverable amount which you originally contracted to pay as a direct and necessary result of

1 non-appearance at the wedding ceremony

2 loss of, or damage to, the original film or negatives, or loss or damage to the digital media on which the photographic images are being stored, (before copies are made)

3 non-development of the original film or negatives or non-development of the digital media on which the photographic images are stored (other than as a result of, under or over exposure), before copies are made so that final prints cannot be produced

by the professional photographer or professional video operator contracted for the wedding ceremony.

What is not covered1 losses which are covered under Section 1


3 losses arising unless a signed written contract is in existence


Section conditionsIf it is planned to take photographs of the couple cutting the wedding ceremony cake and the wedding ceremony cake is damaged up to 36 hours before the end of the wedding reception, we will pay up to the amount stated in your schedule to arrange an alternative photographic session.

Any event that may lead to a claim being made for re-taking the photographs of the wedding ceremony cake cutting ceremony, must be notified to AXA Insurance Claims Service (telephone 0870 900 0867) as soon as reasonably practical after damage of the wedding ceremony cake.

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What is covered 19




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Section 6 – Photography and video continued


For points 1 and 2 under ‘What is covered’, we will only provide cover if more than 75% of the photographs originally commissioned and paid for are not provided by the professional photographer or professional video operator contracted for the wedding ceremony.

Period of insuranceCover starts from the date the premium is paid, and applies until the completion of contracted date of delivery of your wedding ceremony photographs and video, or up to a maximum of 90 days after the wedding ceremony, whichever occurs first.

Section 7 – Financial failure of suppliers


What is covered 21



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Section 6 – Photography and video continued Section 7 – Financial failure of suppliers

What is coveredFollowing the bankruptcy, insolvency or financial failure to wedding service supplier, we will pay up to the amount detailed in your schedule for

1 irrecoverable deposits lost in accordance with standard booking conditions

2 additional costs in arranging alternative equivalent services.

What is not covered We will not pay for

1 any costs which would have been incurred had the original supplier not ceased trading

2 claims arising from circumstances you were aware of or in the public domain after the date you bought the policy

3 any additional amounts voluntarily paid in advance to secure a discount

4 claims arising from financial failure of a professional wedding ceremony planner where there is no written agreement in place.

Period of insuranceCover starts from the date the premium is paid, and finishes on completion of the insured event or until a claim is made under this section of the policy, whichever occurs first.

3

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What is covered 21



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Section 8 – Personal accident

What is coveredWe will pay up to the amount shown in the benefits schedule as compensation to you or, where appropriate, your legal representative(s) if you sustain bodily injury caused by external violent and visible means, which solely and independently of any other cause within 12 months from the date of the personal accident causing such bodily injury results in your death, permanent total disablement, loss of sight or loss of limb(s).

Provided that

1 death or disablement occurs within one year of the bodily injury

2 we will only pay under one of the benefits shown in your schedule as a result of the same personal accident. Payment under any one item will then end our liability under this section

3 any claim must be certified by an independent medical practitioner

4 the total benefit payable will not exceed £1,000 for anyone aged under 18.

What is not covered We will not cover

1 permanent total disablement if at the date of the personal accident you are over the statutory retirement age and are not in full time paid employment

2 losses arising from personal accidents involving you driving or being carried as a passenger in or on any quad bike

3 the contracting of any disease, illness and/or medical condition

4 the injection or ingestion of any substance

5 any event which directly or indirectly exacerbates a previously existing physical bodily injury.

Period of insuranceThis section does not cover bodily injury occurring more than 24 hours before or more than 24 hours after the wedding date.

3

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What is covered 22



Section 9 – Professional counselling


What is covered 23



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Section 8 – Personal accident

What is coveredWe will pay up to the amount shown in the benefits schedule as compensation to you or, where appropriate, your legal representative(s) if you sustain bodily injury caused by external violent and visible means, which solely and independently of any other cause within 12 months from the date of the personal accident causing such bodily injury results in your death, permanent total disablement, loss of sight or loss of limb(s).

Provided that

1 death or disablement occurs within one year of the bodily injury

2 we will only pay under one of the benefits shown in your schedule as a result of the same personal accident. Payment under any one item will then end our liability under this section

3 any claim must be certified by an independent medical practitioner

4 the total benefit payable will not exceed £1,000 for anyone aged under 18.

What is not covered We will not cover

1 permanent total disablement if at the date of the personal accident you are over the statutory retirement age and are not in full time paid employment

2 losses arising from personal accidents involving you driving or being carried as a passenger in or on any quad bike

3 the contracting of any disease, illness and/or medical condition

4 the injection or ingestion of any substance

5 any event which directly or indirectly exacerbates a previously existing physical bodily injury.

Period of insuranceThis section does not cover bodily injury occurring more than 24 hours before or more than 24 hours after the wedding date.

3

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Section 9 – Professional counselling

What is coveredWe will pay up to the amount shown in the benefits schedule for professional counselling in the United Kingdom that is recommended by a general practitioner for either of the couple as a result of the unforeseen, unavoidable and permanent cancellation of the wedding due to the death of either of the couple or either of the couple electing not to continue with the marriage.


1 claims arising from circumstances you were aware of at the time of issuing this policy

2 claims arising from a condition where a terminal prognosis had been given before this policy was arranged

3 professional counselling provided by a member of your family

4 professional counselling provided outside of the United Kingdom

5 travel and accommodation expenses to attend professional counselling.

Period of insuranceCover under this section starts from the date the premium is paid, and finishes within 6 months from the last date of the insured event or when a claim is made under this section of the policy, whichever occurs first.

3

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What is covered 23



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Section 10 – Legal expenses continued


Section 10 – Legal expenses

The cover under this section is managed and provided by Arc Legal Assistance Limited and it is underwritten by Inter Partner Assistance SA, on whose behalf Arc Legal Assistance Limited act.

Arc Legal Assistance Ltd is authorised and regulated by the Financial Conduct Authority. Our FCA Register number is 305958. You can check this on the FCA’s register by visiting the website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.

Inter Partner Assistance (IPA) is a branch of Inter Partner Assistance SA (IPA SA). IPA SA is authorised by the Belgian National Bank and subject to limited regulation by the Financial Conduct Authority. Details about the extent of IPA’s regulation by the Financial Conduct Authority are available from IPA on request. IPA’s FCA Register number is 202664. You can check this on the FCA’s register by visiting the website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.

Arc Legal Assistance Limited registered address: The Gatehouse, Lodge Park, Lodge Lane, Colchester, CO4 5NE.

Inter Partner Assistance registered address: The Quadrangle, 106-118 Station Road, Redhill, Surrey, RH1 1PR.

What is coveredWe will pay your legal costs and expenses incurred by you or on your behalf, up to the amount specified in your schedule, when you pursue legal proceedings for compensation and/or damages arising from, or out of, your injury or death.

We will appoint our panel solicitors, or their agents, to handle your case. You are not covered for any other legal representatives’ fees costs or expenses unless court proceedings are issued or a conflict of interest arises. If court proceedings begin or a conflict of interest arises, you may appoint a legal representative of your own choice.

3


What is covered 24




1 any claim brought against anyone who has contracted to supply any aspect of the wedding ceremony or reception, including the reception organiser

2 legal expenses incurred prior to us giving our support

3 any claim reported more than 31 days after the start of the incident resulting in a claim

4 any claim where we consider your chances of success in achieving a reasonable benefit are insufficient

5 claims that happen in connection with injury or death taking place more than 24 hours before or more than 24 hours after the wedding date

6 claims for legal costs where you are pursuing legal action relating directly or indirectly to medical negligence or alleged medical negligence

7 claims emerging from the pursuance of a contingent fee agreement between you and your counsel

8 pursuing claims as part of or on behalf of a group or organisation

9 claims arising from illness, personal injury or death caused gradually and not caused by a specific sudden event.

Period of insuranceFrom no earlier than 24 hours before the start of the first wedding celebration to no more than 24 hours after the final wedding celebration, subject to the total elapsed period between the two not exceeding 94 days.

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AXC-ACLD0663P-B-1080.indd 24 03/12/2015 13:21

Section 10 – Legal expenses continued

25

Section 10 – Legal expenses

The cover under this section is managed and provided by Arc Legal Assistance Limited and it is underwritten by Inter Partner Assistance SA, on whose behalf Arc Legal Assistance Limited act.

Arc Legal Assistance Ltd is authorised and regulated by the Financial Conduct Authority. Our FCA Register number is 305958. You can check this on the FCA’s register by visiting the website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.

Inter Partner Assistance (IPA) is a branch of Inter Partner Assistance SA (IPA SA). IPA SA is authorised by the Belgian National Bank and subject to limited regulation by the Financial Conduct Authority. Details about the extent of IPA’s regulation by the Financial Conduct Authority are available from IPA on request. IPA’s FCA Register number is 202664. You can check this on the FCA’s register by visiting the website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.

Arc Legal Assistance Limited registered address: The Gatehouse, Lodge Park, Lodge Lane, Colchester, CO4 5NE.

Inter Partner Assistance registered address: The Quadrangle, 106-118 Station Road, Redhill, Surrey, RH1 1PR.

What is coveredWe will pay your legal costs and expenses incurred by you or on your behalf, up to the amount specified in your schedule, when you pursue legal proceedings for compensation and/or damages arising from, or out of, your injury or death.

We will appoint our panel solicitors, or their agents, to handle your case. You are not covered for any other legal representatives’ fees costs or expenses unless court proceedings are issued or a conflict of interest arises. If court proceedings begin or a conflict of interest arises, you may appoint a legal representative of your own choice.

3


1 any claim brought against anyone who has contracted to supply any aspect of the wedding ceremony or reception, including the reception organiser

2 legal expenses incurred prior to us giving our support

3 any claim reported more than 31 days after the start of the incident resulting in a claim

4 any claim where we consider your chances of success in achieving a reasonable benefit are insufficient

5 claims that happen in connection with injury or death taking place more than 24 hours before or more than 24 hours after the wedding date

6 claims for legal costs where you are pursuing legal action relating directly or indirectly to medical negligence or alleged medical negligence

7 claims emerging from the pursuance of a contingent fee agreement between you and your counsel

8 pursuing claims as part of or on behalf of a group or organisation

9 claims arising from illness, personal injury or death caused gradually and not caused by a specific sudden event.

Period of insuranceFrom no earlier than 24 hours before the start of the first wedding celebration to no more than 24 hours after the final wedding celebration, subject to the total elapsed period between the two not exceeding 94 days.

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AXC-ACLD0663P-B-1080.indd 25 03/12/2015 13:21


Section 11 – Wedding stationery

What is coveredIn the event that the wedding ceremony is cancelled or rearranged within the terms of Section 1, we will pay you up to the amount stated in your schedule, for stationery and printing costs already incurred when the wedding ceremony is cancelled. We will also pay for additional costs above the original budget that are necessary due to rearrangement.

What is not coveredWe will not cover any loss excluded under Section 1.

Period of insuranceCover starts from the date this policy is bought and stops at the end of the insured event or when a claim is made under this section, whichever occurs first.

3

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What is covered 26



Section 12 – Public liability


What is covered 27



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Section 11 – Wedding stationery

What is coveredIn the event that the wedding ceremony is cancelled or rearranged within the terms of Section 1, we will pay you up to the amount stated in your schedule, for stationery and printing costs already incurred when the wedding ceremony is cancelled. We will also pay for additional costs above the original budget that are necessary due to rearrangement.

What is not coveredWe will not cover any loss excluded under Section 1.

Period of insuranceCover starts from the date this policy is bought and stops at the end of the insured event or when a claim is made under this section, whichever occurs first.

3

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Section 12 – Public liability

What is coveredFor the purposes of this section you/your means the couple as shown in the schedule.

This section provides cover in respect of liabilities arising from the actions of the couple, if the couple would have been held liable for their action under the law of the country where the wedding ceremony takes place.

We will pay you up to the amount specified in your schedule for any claim or series of claims arising from any one event or one source or original cause in respect of your legal liability as a result of accidental injury to third parties or accidental loss of or damage to third party property.


1 any insured event taking place in the USA or Canada

2 liability arising as a result of ownership, care, custody or control of animals

3 liability arising from the ownership or occupation of land or buildings

4 liability due to any criminal proceedings

5 your costs and expenses incurred unless you have had our prior written consent

6 any liability arising out of the Road Traffic Act or its equivalent in a jurisdiction where the wedding ceremony takes place

7 liability for fines, penalties, liquidated damages or punitive, exemplary, aggravated or multiplied damages

8 loss of or damage to any goods or other property sold, supplied, delivered, installed or erected by you and all costs of or arising from the need of making good, removal, repair, rectification, replacement or recall of

a any goods or property

b any defective work completed by you

9 liability arising from the ownership or use of firearms or fireworks or other pyrotechnic devices or effects

10 liability arising from ownership or use of bouncy castles or other inflatables

3

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What is covered 27



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28

Section 12 – Public liability continued


11 transmission of any contagious or infectious disease or virus

12 liability arising from the use or possession of mechanically propelled vehicles, aircraft or watercraft, trailers or caravans

13 loss of or damage to property belonging to you or held in trust by you

14 liability arising from any wilful or malicious act

15 liability arising from the carrying on of any profession, trade or business

16 employers’ liability, contractual liability or liability to a member of your family

17 liability which has been assumed by you under agreement (such as a hire agreement) unless the liability would have existed without the agreement

18 additional liability accepted under a hiring or booking contract.

Period of insuranceCover under this section begins 24 hours before the insured event and ends 24 hours after the insured event.

Section 13 – Essential documents


What is covered 29


Important information 29


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29

Section 12 – Public liability continued Section 13 – Essential documents

What is coveredWe will pay you up to the amount in your schedule for the reasonable costs for travel, accommodation and fees you have to pay to produce replacement documents essential to your overseas wedding. Provided that the loss or damage of the original essential documents were out of your control and occurred during the period of insurance.

What is not coveredWe will not pay for

1 loss or damage

a arising from confiscation or detention by customs officials or other authorities

b not reported to the consular representatives of the relevant issuing country as soon as reasonably practical of discovery of loss, and a written report obtained

2 loss or theft from any unattended motor vehicle unless the documents are left in the locked boot or locked glove compartment, concealed from view and there is evidence of violent, visible and/or forcible entry

3 loss of documents when stored in suitcases or other like items whilst in the custody of the airline or other carriers

4 claims which arise from lack of care or from reasons within your control.

Important informationCover under this section applies only in respect of a wedding ceremony taking place outside the United Kingdom.

Period of insuranceCover starts from the date policy was issued and applies until the wedding ceremony takes place as booked, or a claim is made under this section of the policy, whichever occurs first.

3

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What is covered 29


Important information 29


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Section 14 – Optional marquee and mobile WC unit extension continued


Section 14 – Optional marquee and mobile WC unit extension

This section only applies if shown on your schedule and the appropriate premium has been paid.

Cover under this section does not apply to overseas weddings.

Meaning of defined termsYou can find the meaning for words in bold blue on page 5. There are some words that may only appear in this section or are defined differently and their meanings are shown here.

VerminRats, mice, squirrels, owls, pigeons, foxes, bees, wasps or hornets.

What is coveredThe cost of reinstating the marquee and/or mobile WC unit

1 for hired marquees and/or mobile WC unit, the sum insured required by the hirer

2 for marquees and/or mobile WC unit owned by you or someone else, the cost of replacing the marquee at today’s prices.

We will pay you up to the amount detailed in your schedule in the event of loss or damage to the marquee and/or mobile WC unit by any cause not specifically excluded in this section occurring during the period of hire (the period of hire must not exceed five days unless agreed by us in writing).

We will pay you for cancellation/curtailment and rearrangement as a direct result of loss of or damage to the marquee.

Cover starts from the period of hire up to a maximum of five days, unless agreed by us in writing.


1 loss or damage arising from the erection and/or dismantling of any hired equipment

2 audio visual entertainment equipment

3 loss or damage you suffer as a result of being deceived into knowingly parting with property

3

✘


Meaning of defined terms 30

What is covered 30



4 damage to flooring caused by footwear

5 other loss, damage or additional expense following on from the event for which you are claiming

6 theft or attempted theft unless it involves forcible and/or violent entry to, or exit from, a building

7 loss or theft from any unattended venue or vehicle

8 any exclusion listed under Section 1 (for cancellation/rearrangement)

9 cancellation, curtailment or rearrangement or any loss excluded under Section 1.

Claims conditionIn the event of a claim, if the sum insured is less than the full cost of reinstating the marquee and/or WC unit we will only pay an amount equal to the proportion the sum insured bears to the actual cost of reinstatement.

Period of insuranceCover starts from the period of hire, up to a maximum of five days, unless agreed by us in writing.

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Section 14 – Optional marquee and mobile WC unit extension continued

31

Section 14 – Optional marquee and mobile WC unit extension

This section only applies if shown on your schedule and the appropriate premium has been paid.

Cover under this section does not apply to overseas weddings.

Meaning of defined termsYou can find the meaning for words in bold blue on page 5. There are some words that may only appear in this section or are defined differently and their meanings are shown here.

VerminRats, mice, squirrels, owls, pigeons, foxes, bees, wasps or hornets.

What is coveredThe cost of reinstating the marquee and/or mobile WC unit

1 for hired marquees and/or mobile WC unit, the sum insured required by the hirer

2 for marquees and/or mobile WC unit owned by you or someone else, the cost of replacing the marquee at today’s prices.

We will pay you up to the amount detailed in your schedule in the event of loss or damage to the marquee and/or mobile WC unit by any cause not specifically excluded in this section occurring during the period of hire (the period of hire must not exceed five days unless agreed by us in writing).

We will pay you for cancellation/curtailment and rearrangement as a direct result of loss of or damage to the marquee.

Cover starts from the period of hire up to a maximum of five days, unless agreed by us in writing.


1 loss or damage arising from the erection and/or dismantling of any hired equipment

2 audio visual entertainment equipment

3 loss or damage you suffer as a result of being deceived into knowingly parting with property

3

✘

4 damage to flooring caused by footwear

5 other loss, damage or additional expense following on from the event for which you are claiming

6 theft or attempted theft unless it involves forcible and/or violent entry to, or exit from, a building

7 loss or theft from any unattended venue or vehicle

8 any exclusion listed under Section 1 (for cancellation/rearrangement)

9 cancellation, curtailment or rearrangement or any loss excluded under Section 1.

Claims conditionIn the event of a claim, if the sum insured is less than the full cost of reinstating the marquee and/or WC unit we will only pay an amount equal to the proportion the sum insured bears to the actual cost of reinstatement.

Period of insuranceCover starts from the period of hire, up to a maximum of five days, unless agreed by us in writing.

AXC-ACLD0663P-B-1080.indd 31 03/12/2015 13:21

Making a complaint continued


Making a complaint

AXA Insurance aims to provide the highest standard of service to every customer.

If our service does not meet your expectations we want to hear about it so we can try to put things right.

All complaints we receive are taken seriously. Following the steps below will help us understand your concerns and give you a fair response.

How to make your complaintThe majority of complaints can be resolved quickly and satisfactorily by the department you are dealing with. If your complaint relates to a claim on your policy, please contact the department dealing with your claim. If your complaint relates to anything else, please contact the agent or AXA office where your policy was purchased. Telephone contact is often the most effective way to resolve complaints quickly.

Alternatively you can write to us at

AXA Insurance Commercial complaints AXA House 4 Parklands Lostock Bolton BL6 4SD

Tel: 01204 815359

Email: [email protected]

When you make contact please tell us the following information:

n Name address and postcode, telephone number and e-mail address (if you have one).

n Your policy and/or claim number, and the type of policy you hold.

n The name of your insurance agent/firm (if applicable).

n The reason for your complaint.

Any written correspondence should be headed ‘COMPLAINT’ and you may include copies of supporting material.

Beyond AXAShould you remain dissatisfied following our final written response, you may be eligible to refer your case to the Financial Ombudsman Service (FOS).

The FOS is an independent body that arbitrates on complaints about general insurance products. The FOS can only consider your complaint if we have given you our final decision.

You have six months from the date of our final response to refer your complaint to the FOS. This does not affect your right to take legal action.

Financial Ombudsman Service Exchange Tower Harbour Exchange Square London E14 9SR

Tel: 0800 023 4567* Tel: 0300 123 9123** Fax: 0207 964 1001


Web: www.financial-ombudsman.org.uk

Our promise to youWe will

n Acknowledge written complaints promptly.

n Investigate your complaint quickly and thoroughly.

n Keep you informed of progress of your complaint.

n Do everything possible to resolve your complaint.

n Learn from our mistakes.

n Use the information from complaints to continuously improve our service.

Telephone calls may be monitored or recorded.

* free for people phoning from a ‘fixed line’ (for example, a landline at home)** free for mobile-phone users who pay a monthly charge for calls to numbers starting 01 or 02

Financial Services Compensation Scheme (FSCS)AXA Insurance UK plc are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance, size of the business and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk).

Section 10 – Legal expenses complaintsOur aim is to get it right, first time, every time. If we make a mistake, we will try to put it right straightaway.

If you are unhappy with the service that has been provided, you should contact us at the address below. We will always confirm to you, within five working days, that we have received your complaint. Within four weeks you will receive either a final response or an explanation of why the complaint has not been resolved plus an indication of when you will receive a final response. Within eight weeks you will receive a final response or, if this is not possible, a reason for the delay plus an indication of when you will receive a final response. After eight weeks, if you are unhappy with the delay, you may refer your complaint to the Financial Ombudsman Service. You can also refer to the Financial Ombudsman Service if you cannot settle your complaint with us.

Our contact details are:

Arc Legal Assistance Ltd PO Box 8921 Colchester CO4 5YD

Tel: 0344 770 9000


AXC-ACLD0663P-B-1080.indd 32 03/12/2015 13:21

Making a complaint continued

33

Making a complaint

Beyond AXAShould you remain dissatisfied following our final written response, you may be eligible to refer your case to the Financial Ombudsman Service (FOS).

The FOS is an independent body that arbitrates on complaints about general insurance products. The FOS can only consider your complaint if we have given you our final decision.

You have six months from the date of our final response to refer your complaint to the FOS. This does not affect your right to take legal action.

Financial Ombudsman Service Exchange Tower Harbour Exchange Square London E14 9SR

Tel: 0800 023 4567* Tel: 0300 123 9123** Fax: 0207 964 1001


Web: www.financial-ombudsman.org.uk

Our promise to youWe will

n Acknowledge written complaints promptly.

n Investigate your complaint quickly and thoroughly.

n Keep you informed of progress of your complaint.

n Do everything possible to resolve your complaint.

n Learn from our mistakes.

n Use the information from complaints to continuously improve our service.

Telephone calls may be monitored or recorded.

* free for people phoning from a ‘fixed line’ (for example, a landline at home)** free for mobile-phone users who pay a monthly charge for calls to numbers starting 01 or 02

Financial Services Compensation Scheme (FSCS)AXA Insurance UK plc are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance, size of the business and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk).

Section 10 – Legal expenses complaintsOur aim is to get it right, first time, every time. If we make a mistake, we will try to put it right straightaway.

If you are unhappy with the service that has been provided, you should contact us at the address below. We will always confirm to you, within five working days, that we have received your complaint. Within four weeks you will receive either a final response or an explanation of why the complaint has not been resolved plus an indication of when you will receive a final response. Within eight weeks you will receive a final response or, if this is not possible, a reason for the delay plus an indication of when you will receive a final response. After eight weeks, if you are unhappy with the delay, you may refer your complaint to the Financial Ombudsman Service. You can also refer to the Financial Ombudsman Service if you cannot settle your complaint with us.

Our contact details are:

Arc Legal Assistance Ltd PO Box 8921 Colchester CO4 5YD

Tel: 0344 770 9000


The Financial Ombudsman Service contact details are:Financial Ombudsman Service Exchange Tower Harbour Exchange Square London E14 9SR

Tel: 08000 234 567


We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we or the insurer cannot meet their obligations. Your entitlement to compensation will depend on the circumstances of the claim. Further information about compensation scheme arrangements is available at http://www.fscs.org.uk/or by telephoning 0800 678 1100.

AXC-ACLD0663P-B-1080.indd 33 03/12/2015 13:21


AXC-ACLD0663P-B-1080.indd 34 03/12/2015 13:21

35

AXC-ACLD0663P-B-1080.indd 35 03/12/2015 13:21

ACLD

0663

P-B

(07

/15)

(10

80)

SHAADIcover is a trading name of Jaggi & Co

AXA Insurance UK plc Registered in England and Wales No 78950. Registered Office: 5 Old Broad Street, London EC2N 1AD.

A member of the AXA Group of companies. AXA Insurance UK plc is authorised by the Prudential Regulation Authority and regulated by the

Financial Conduct Authority and the Prudential Regulation Authority. Telephone calls may be monitored and recorded.

Jaggi & Co is authorised and regulated by the Financial Conduct Authority. Registered office: Aegis House, 491 London Road, Isleworth, Middlesex TW7 4DA. Registered in England. Registration number: 3194815

AXC-ACLD0663P-B-1080.indd 36 03/12/2015 13:21

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