Party Insurance FAQs

Below are some commonly asked questions about party insurance, if the answer to your query is not here then please call us on 01483 562 662 and we'll be happy to help.
  1. Why do we need Party Insurance?
  2. What types of events can be covered?
  3. When should we take out Party Insurance?
  4. I have already paid a deposit. Will this be covered?
  5. We will be renewing our wedding vows with a church blessing and reception 2 weeks later. Are both dates covered?
  6. Our party is taking place abroad. Can we take out a policy?
  7. We are throwing a 60th Birthday party for my Father. He lives abroad, but we are paying for the party. Can we take out a policy?
  8. My Husband/Wife is in the Armed Forces and we are planning to renew our wedding vows. Are we covered if he/she is unexpectedly posted abroad?
  9. What happens if the professional photographs fail because the film or digital storage media is faulty and there are no copies available?
  10. I have an existing medical condition. Can this be covered?
  11. What happens if one of the suppliers goes bust?
  12. Our party venue is flooded just before the big day. Are we covered?
  13. We are hiring a marquee and will need to insure it. Is this included or can it be added to the policy?
  14. Our venue requires us to provide insurance in case any of us or the guests causes accidental damage during the party. Is this included?
  15. Am I covered for re-arrangement as a result of swine-flu or other contagious disease?
  16. Does the Party insurance policy have an excess?
 
Why do we need Party Insurance?
When planning a party to celebrate something important, no-one really wants to think of what might go wrong. Sadly, however, events do sometimes have to be cancelled or re-arranged for a wide range of different reasons and Party Insurance is there to help make sure that you do not lose money as a result. Even if the event goes ahead, other problems can arise and Party Insurance helps you to sort them out and pay for unexpected additional costs.
What types of events can be covered?
You can take out Party Insurance to cover any private event where guests are invited and do not have to pay to attend. For example: birthday parties, Bar/Bat Mitzvahs, wedding anniversaries, renewal of vows, christenings or retirement celebrations.

Please note: Party insurance is not suitable for street parties or other events to which the general public have access or can buy tickets
When should we take out Party Insurance?
Ideally, you should take it out as soon as you have paid any deposits or signed a contract that means you will lose money if you are forced to change your plans. You can arrange our insurance at any time up to 24 months before the date of the event.
I have already paid a deposit. Will this be covered?
Yes - provided you are not aware of any particular circumstances that may give rise to a claim when you take out the policy. Please Note: Cover for financial failure does not commence until 14 days after the policy has been purchased.
We will be renewing our wedding vows with a church blessing and reception 2 weeks later. Are both dates covered?
Both dates will be covered provided they are not more than 21 days apart. If your blessing and reception are more than 21 days apart then you will need to take out two separate policies, one for each date.
Our party is taking place abroad. Can we take out a policy?
Unfortunately, Party Insurance is only available for events taking place within the UK.
We are throwing a 60th Birthday party for my Father. He lives abroad, but we are paying for the party. Can we take out a policy?
Yes - provided that the party is taking place in the UK and being paid for by people who reside in the UK.
My Husband/Wife is in the Armed Forces and we are planning to renew our wedding vows. Are we covered if he/she is unexpectedly posted abroad?
Yes - provided that leave has been agreed and there was no notice of possible cancellation of leave at the time the policy was taken out.
What happens if the professional photographs fail because the film or digital storage media is faulty and there are no copies available?
Then the reasonable costs of taking replacement formal photographs can be claimed.
I have an existing medical condition. Can this be covered?
Many existing medical conditions are insured automatically, both for the event organiser and also their close relatives. There is no cover, however, for Pre-existing medical conditions that have resulted in a terminal prognosis or where the condition is awaiting treatment or investigation at a hospital or you are awaiting the results of tests or investigations, unless you have declared details to us and we have agreed to insure them. You can call us to discuss a medical condition on 01483 562 662
What happens if one of the suppliers goes bust?
Then you may claim for any irrecoverable deposits that you may have paid and also for the necessary additional costs in arranging an equivalent alternative. A definition of event service suppliers is included in the policy wording.
Our party venue is flooded just before the big day. Are we covered?
Yes - you will be covered for the additional costs of rearranging a suitable alternative venue for the same day, if that is possible, or irrecoverable amounts and additional costs of having to cancel and rearrange the event for a later date.
We are hiring a marquee and will need to insure it. Is this included or can it be added to the policy?
There is an optional extension that you can take to add this cover for up to £20,000 or £50,000, subject to payment of the appropriate additional premium.
Our venue requires us to provide insurance in case any of us or the guests causes accidental damage during the party. Is this included?
Your own personal liability is included as standard up to £2,000,000. There are optional extensions available to add cover for the liabilities of your guests up to £2,000,000 in total or to increase the limit to £5,000,000 in total, including guests' liabilities. We also have an option for you to buy a Liability only policy if you do not require any of the other sections of cover.
Am I covered for re-arrangement as a result of swine-flu or other contagious disease?
Yes, if the event organiser or a close relative on whom the plans depend contracts swine-flu and it is medically necessary to postpone or re-arrange the event cover is in place.

However there is no cover if Government regulations are put in place, such as restrictions to prohibit any events / large public gatherings from taking place.
Does the Party insurance policy have an excess?
The only sections with excess applied to them under this policy are: Public Liabilty for the individuals and guests which has an excess of £250 and The optional marquee extension that has a £100 excess.