Wedding insurance – Only with Zurich

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. 

Yes, these payments are also insured.

No, the subject of the insurance is the wedding festivities (ceremony and/or wedding celebration) and the cancellation costs contractually owed. 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.

A postponement or cancellation of the wedding festivities (ceremony and/or wedding celebration) is insured if it is the result of one of the events listed below.

• 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 provider commissioned with carrying out the wedding festivities (ceremony and/or wedding celebration) becomes insolvent.
• 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.

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 festivities in connection with pregnancy or childbirth, provided that the expected date of birth is less than two months before or after the date of the wedding ceremony or wedding celebration.
• Damage caused as a result of epidemics and pandemics

Yes, provided that the wedding festivities (ceremony and/or wedding celebration) take place in Europe. These festivities are covered in all states that belong 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.

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.

Under one wedding insurance policy, a maximum of two wedding festivities can be insured – that is one ceremony and/or a corresponding wedding celebration. Both festivities must fall within the one‑year insurance coverage period. Within this period, one insured event is covered (e.g. cancellation, postponement or interruption in accordance with the General Terms and Conditions of Insurance).

Example:

You first get married in a small civil ceremony and shortly afterwards you celebrate with all your friends and relatives.

If the ceremony has already taken place and the wedding celebration is still to come, only the celebration can be insured under a wedding insurance policy.

If the ceremony and the wedding celebration are more than one year apart, you can take out one separate wedding insurance policy for the ceremony and another for the wedding celebration.

We developed the wedding insurance to be a very simple product that you can take out directly online – at a uniform price of  CHF 165. Hence we are not able to provide individual offers.

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.

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.

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.

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.