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An excess is way that an insurer restricts their liability to pay claims. It helps to keep premiums lower in that it deters small claims being made. In addition it reduces the overall claims cost to an insurer. This is usually stated as you will have to pay the first value of any claim. Additional excesses and be imposed to help try and correct a poor claims experience.This term is usually used in relation to `Motor Insurance` and is designed to refer to the widest cover available. Comprehensive suggests all embracing but as no two polices are the same you will need to consider what cover is actually provided in order to make an informed decision.This is a generic term for a collection of covers that are available only as a standard group. They are usually designed to meet most of the insurance requirements of specific trades or groups of people. Due to their structure they have a simple a quick rating method allowing for a fast turnaround of documents. Packages tend to be `property lead` in that the presumed exposure to Liability claims is low thus they are not generally suitable for high risk occupations.If you are planning a Wedding you should consider the impact of something going wrong before the event. What would you do if your venue ceased trading and you had paid deposits or had expenses that you could not get back. Financial protection is available for up to 2 years in advance. Equine and Livestock's Comprehensive Wedding Insurance Packages provide cover for many eventualities which may arise on or prior to your Wedding and with 8 different band options there is a cost to suit all budgets.
With Levels 1 to 3 being Defaqto 4 Star rated polices [01/01/2011] and Levels 4 to 8 being Defaqto 5 Star rated policies [01/01/2011] you can choose between a wide range of covers but also be assured of quality too. For more information on Defaqto click here and to check todays rating click here.
Planning and hosting a wedding or civil partnership is a large financial commitment and protecting yourself financially in the run up to the big day is worthwhile.
- UK and Overseas wedding insurance
- Cover up to 2 years prior to ceremony date
- Eight bands of cover to choose from, with Cancellation and Expenses cover up to £50,000 available
- Cover for supplier deposits, wedding attire, photographs, presents, personal accident and public liability plus much more
- No Excess apart from on Public Liability and Marquee cover, where it is £99
- Cover available for members of the armed forces
- 10% discount voucher for the purchase of wedding products from Forever Memories
- 10 years of experience in wedding insurance
Planning your ceremony should be fun, so why leave anything to chance? Wedding Insurance and Civil Partnership Insurance from E&L® offers excellent peace of mind and great benefits. The average cost of a wedding is £20,000*. With such large sums of money being spent, it makes sense to protect yourself financially. E&L® Wedding Insurance provides cover up to 2 years in advance of the ceremony. With eight different bands of cover to choose from, we have an option to suit all budgets.
- You have any problems with a supplier
- Damage is caused to the wedding attire
- You have to cancel due to accident, illness or bereavement
To obtain a Wedding Insurance Quotation click here.
