What is Party Insurance?

Party insurance exists to give you financial protection should things go wrong before or during your event.

Although it is called Party Insurance, the policy also covers events such as anniversaries, retirement parties, birthday parties,bar & bat mitzvahs, christening parties and the renewal of wedding vows.

To see what is covered by the policy please click here to read the policy wording

How much cover do I need?

The level of cover for Party insurance is usually determined by the total cost of the event, i.e. how much it would cost insurers if your event was cancelled.

If you underinsure your celebration then the maximum you will receive in the event of cancelling the celebration is the level of cover you have paid for. If you are unsure of the total cost of your event click here to use our party cost calculator

If you find that during the course of organising your celebration that costs increase beyond the level of cover you have bought please call us on 01483 562 662 and we will be happy to arrange increasing your level of cover (subject to payment of additional premium).

Before your event

Party Insurance can be purchased up to 2 years before your event. Buying it this early will protect any deposits you make (and indeed any deposits paid before you bought the policy, subject to policy terms and conditions) from the financial failure of service suppliers.

The reasons for cancellation or rearrangement that are covered by the Party Insurance policy are in section 1 of the policy wording, but include the death or illness of a close relative that would make the continuance of the event or celebration inappropriate.

It also covers the unforeseen posting of a member of the armed forces, providing the serving person has previously had their leave agreed by their commanding officer.

Redundancy is covered, providing the party insurance policy is taken out 8 weeks prior to the notice of redundancy being given.

During the event

The event organizers are covered for their personal liability in case they cause any accidental loss or damage to third party property. This can be extended to all the guests with the appropriate additional premium.

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Click here to compare cover levels across all party insurance policies.