COLD FEET - Wedding Insurance

JM1962_2

I'm the Brides father and will be paying for my daughters wedding next year.
I've been searching for "cold feet / change of mind / heart" cover but I have not found any UK companys that do this. Only a US company 'Firemans Fund' provides this cover (from what I can find), but I am waiting for a reply to see if they will provide cover for a UK wedding, I doubt they will, but you never know!.
Anyone any ideas of a UK / EU company?

dogbot

Hi, hopefully you don't feel the need for this level of cover is too great for the happy couple!

I have always understood that the "risk" you want to insure will typicaly be univeraly excluded. There is too high a risk to the insurer of moral hazard and fraud. It is at best extreamly difficult if not impossible to prove that the wedding would be called of for a genuine change of mind. Cover is usualy only there for circumstances beyond your control, and a change of mind would be regarded as within one of the party's control.

I am surprised Firemans Fund cover it completely if at all.

I doubt that firemans fund are authorised to issue policies, at least for retail cusotmers, in the UK or the EU, and even less likely to want to write a wedding here for a UK resident/couple, but it would be be interesting if they say yes! What they may well cover is a US couple who are getting married overseas, including the UK.

Firemans Fund is a very large US general insurance company owned by Allianz SE. Allianz have a wholely owned subsidiary in the Uk www.allianz.co.uk who sell wedding insurance its self, e.g: http://www.weddingsurance.co.uk/. They do state that the exclude change of mind though.

mattymoo

Dogbots right. No uk insurer will offer this type of cover.

Atermis

of moral hazard and fraud

Someone remembers the IF1 well!

dogbot

Someone remembers the IF1 well!

lol, almost, P01, P05 and P11 umongst others

agaveworm

Life insurance would no doubt follow cold feet insurance...:rotfl: