Wedding Insurance

Insurance contract

Our wedding reception costs more than CHF 20,000. Can I opt for a higher sum insured?
No, we want to make it easy for our customers and have therefore chosen a sum insured that should be sufficient for most bridal couples. Take another look at your contracts: they often specify that you only need to pay a portion of the costs in the event of postponement or cancellation, and only this portion is relevant for the sum insured. 

Can Zurich send me an offer?
We developed the wedding insurance to be a very simple product that you can take out directly online – at a uniform price of  CHF 135. Hence we are not able to provide individual offers.

I don't have a credit card, can I pay for the insurance by invoice?
Sadly not. The wedding insurance is an online-only policy – but no doubt you have a family member who can take out the policy for you.

What is insured?

The wedding reception is not planned for the same day as the wedding ceremony in a registry office or place of worship, can I still take out the insurance?
Yes, as long as the reception is set to take place after the wedding ceremony and within the one-year insurance term, it can be insured. Please note that insurance coverage is only valid once both the date of the wedding reception and the wedding ceremony have been definitively fixed.

Are payments that were made before taking out the wedding insurance policy also insured?
Yes, these payments are also insured.

Is my wedding dress also insured?
No, the object of the insurance is the wedding reception or the contractually owed cancellation costs. Your wedding dress and, for example, wedding rings are therefore not insured. Would you also like to insure these (e.g. against damage or loss)? Then take a look at our insurance of valuables.

Which incidents are insured against?
The insurance covers postponement or cancellation of the wedding reception(s) as a result of the following incidents (no insurance coverage is provided if such an event is related to the Corona pandemic, see Article 8 of the General Conditions of Insurance):

• If a wedding partner, witness or close relative (children, parents, grandparents, siblings) falls seriously ill, has an accident or even dies.
• If a wedding partner, witness or close relative (children, parents, grandparents, siblings) is unable to travel because their means of transport is cancelled or breaks down.
• If booked event rooms cannot be used due to fire or water damage, a natural hazard, an earthquake or due to a double booking.
• If the organizer or another service supplier commissioned to organize the wedding reception files for insolvency.
• If a wedding partner is required to stay at home due to a domestic emergency, such as burglary, fire or water damage, a natural hazard or an earthquake.

What is not insured?

The following provides an overview of the significant non-insured cases – the complete list can be found in the General Conditions of Insurance:

• Incidents that have already taken place or whose occurrence was foreseeable at the time the insurance was taken out
• Cancellation of the wedding reception due to pregnancy-related issues or childbirth, if the expected date of birth is less than two months before or after the date of the wedding ceremony or wedding reception
• Damage caused as a result of epidemics and pandemics

Where is the insurance valid?

Our wedding reception will take place outside of Switzerland, are we still insured?
Yes, as long as the wedding reception is held in Europe. Relevant here is whether or not the location geographically belongs to European continent. The insurance therefore covers wedding receptions in all countries belonging to the European continent, excluding their overseas territories. In the east, this area ends at the European part of Turkey, Azerbaijan, Armenia and Georgia as well as with the mountain ridge of the Ural Mountains.

Term

How long will the contract be valid after I sign?
The wedding insurance is valid for one year. Following this period, the insurance expires automatically. No notice of termination is required. Please note that the insurance coverage is only valid if both the wedding ceremony and the wedding reception fall within the period of insurance cover and their dates have been definitely fixed.

Our wedding reception is not set to take place for another year and a half, can I choose a longer term?
You can set the policy to begin six months into the future, but the one-year term cannot be adjusted. For example, if your wedding reception is planned to take place in two years’ time, we recommend setting a reminder for six months from now so that you can take out your wedding insurance then. Please note, however, that the date of the wedding ceremony and the date of the wedding reception must be definitely fixed for the insurance coverage to be valid.

How much will I receive in the event of a loss?

In the event of cancellation, the wedding insurance covers contractually owed cancellation costs up to CHF 20,000. This also includes lost down payments. Some examples of covered costs include: reservation fees for the location, down payments for flower arrangements, cakes or transportation, a contractually agreed minimum consumption in the restaurant or a deposit paid for the photographer. Costs such as those for the wedding dress or accommodation costs paid by the guests themselves are not covered, however.