General Conditions

Duty of care
You must take all reasonable steps to prevent or minimise any claim under this policy and shall make every effort to arrange an alternative venue for the wedding or celebration and obtain alternative wedding attire.

Notification of claims
(i) If loss, damage or liability occurs which may result in a claim under this policy you must tell us as soon as is reasonably possible. Additional action then depends on the type of claim:
(a) theft, malicious damage or vandalism - tell the Police immediately;
(b) legal liability for injury or damage - forward to us immediately upon receipt any writ, summons or other legal process issued or commenced against you. You must not negotiate, admit or repudiate any claim without our written consent.
(c) Legal expenses - tell DAS Legal Expenses Insurance Company Limited as soon as possible.
(ii) You must provide us, at your expense, with all reasonable details and evidence which we ask for concerning the cause and amount of any loss, damage or injury. Fraudulent claims If you (or anyone acting on your behalf) make a claim which is at all false or fraudulent or supports a claim with any false or fraudulent statement or document, we will void the policy and you will forfeit all rights under the policy. In such circumstances, we retain the right to keep the premium and to recover any sums paid by way of benefit under the policy.

Fraudulent claims
If you (or anyone acting on your behalf) make a claim which is at all false or fraudulent or supports a claim with any false or fraudulent statement or document, we will void the policy and you will forfeit all rights under the policy. In such circumstances, we retain the right to keep the premium and to recover any sums paid by way of benefit under the policy.

Rights and responsibilities
(i) We may take over and deal with, in your name, the defence or settlement of any claim.
(ii) We may take proceedings in your name, but at our expense, to recover for our benefit the amount of any payment we have made under this policy.
(iii) You must give us all reasonable necessary information and assistance that we may require.
(iv) A person or company who is not party to this policy has no rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this policy, but this does not affect any right or remedy of a third party which exists or is available apart from that Act.

Cancellation
You cannot cancel the policy unless it covers a period of at least 28 days from the time the policy is taken out. For policies covering 28 days or more the following “cooling-off” right applies. If after insuring with us and receiving the full policy documentation, including the schedule, you subsequently change your mind you have 14 days to write to the sender confirming that you do not wish to continue. No charge will be made and any premium you have already paid will be refunded. You may make a claim up to the date you advise of your decision to cancel the policy.

After this time there is no refund for the cancellation of this policy.

Uninsured expenses
You shall reimburse us within one month of the wedding date any expenses not covered by this insurance which are incurred on your behalf.

Changes to risk
If after the commencement of this policy there are any changes which may affect the insurance, such as if you change your address, it is a condition of this policy that immediate notice is given to us. Upon notification of any such change we shall be entitled to cancel the policy from the date of such alteration or impose special terms or charge an additional premium.

Residency
Cover is subject to the insured and either the bride or groom, or one of the civil partners being a permanent resident of the UK.