Insurance broker / Wedding insurance in Germany (cancellation, postponement and abandonment) / Policy wording archive Wedding insurance
Zurich Hochzeitsversicherung: the policy wording in full
Hochzeitsversicherung für privat organisierte Feiern in EU, Schweiz und Norwegen, die Stornokosten des Arrangements ohne Selbstbeteiligung bei Tod, Unfall, Krankheit, Schwangerschaft, Eigentumsschaden, Jobverlust und Umbuchung nach Veranstalterinsolvenz ersetzt; Kleid und Ringe sind nicht versichert.
German market: tariffs for people living in Germany.
Done in two minutes: your details are enough, we take care of the rest.
- Free for you, same price as going direct
- 4.98 out of 5 stars from 5,042 reviews
- On your side when you claim
Take out this policy through NAMMERT
You have already worked out with your AI what fits you.
All we need now are your details and a few answers.
We prepare your application with Zurich.
- AI has advised
- 2Your details
- Application to Zurich
Thank you, we have your application.
We prepare it with Zurich and get back to you with the documents.
Everything about this policy
What the policy covers: 64 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Zurich Hochzeitsversicherung.
Basics and type of contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for cancellation (maximum insured cost of the celebration) | as stated in the policy schedule | „Der Versicherer haftet maximal bis zur Höhe der Versicherungssumme.“ | Deckungskonzept, page 1 |
| Sum insured chosen in tiers by event price | not addressed | ||
| Insured celebrations (wedding, civil and church ceremony, eve party, engagement, civil partnership, other private parties) | not addressed | ||
| Other private celebrations insurable (milestone birthday, christening, anniversary, communion) | not addressed | ||
| Modules selectable separately (cancellation, liability, property, rings) | not addressed | ||
| Territorial scope (place of the celebration: domestic, Europe, worldwide) | yes | „Die Versicherung gilt für privat organisierte Feiern innerhalb der Europäischen Union …“ | Deckungskonzept, page 1 |
| Wedding abroad (destination wedding) covered | yes | „Die Versicherung gilt für privat organisierte Feiern innerhalb der Europäischen Union …“ | Deckungskonzept, page 1 |
| Insured persons and persons at risk (couple, parents, siblings, grandparents, children, best man and maid of honour) | not addressed | ||
| Additional freely named persons at risk (number) | not addressed |
Taking out, start and duration
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deadline for taking out (latest days before the event or after booking) | not addressed | ||
| Maximum lead time (earliest purchase before the event) | not addressed | ||
| Waiting period after purchase for cancellation reasons | not addressed | ||
| Start of cover (on payment, next day, on purchase) | not addressed | ||
| Contract term (single until the end of the event, twelve months, annual) | not addressed | ||
| Single premium without renewal or cancellation | not addressed | ||
| Premium refund on withdrawal or lapse of risk before start | not addressed |
Insured reasons for cancellation, abandonment and postponement
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Cancellation costs (contractually owed costs of service providers) | yes, up to the sum insured | „Erstattet werden die einem Dritten vertraglich geschuldeten Stornokosten aus dem …“ | Deckungskonzept, page 1 |
| Additional costs when the celebration is postponed | yes, up to the sum insured | „Mehrkosten durch eine notwendige Umbuchung der Feier durch Insolvenz des Veranstalters“ | Deckungskonzept, page 1 |
| Abandonment on the day itself (unused services) | not addressed | ||
| Unexpected serious illness of a person at risk | yes | „Unerwartete schwere Erkrankung“ | Deckungskonzept, page 1 |
| Serious accidental injury of a person at risk | yes | „Schwere Unfallverletzung“ | Deckungskonzept, page 1 |
| Death of a person at risk | yes | „Tod“ | Deckungskonzept, page 1 |
| Pregnancy complications or pregnancy of the bride | yes | „Schwangerschaft, sofern die Feier infolgedessen nicht möglich oder nicht zumutbar ist“ | Deckungskonzept, page 1 |
| Illness from an epidemic or pandemic (such as Covid) covered | not addressed | ||
| Significant damage to the couple's property (fire, water, burglary) | yes | „Erheblicher Schaden am Eigentum“ | Deckungskonzept, page 1 |
| Venue unusable (fire, water, storm, official closure) | not addressed | ||
| Insolvency or failure of a supplier (venue, caterer, photographer) | yes | „Mehrkosten durch eine notwendige Umbuchung der Feier durch Insolvenz des Veranstalters“ | Deckungskonzept, page 1 |
| Unexpected job loss or transfer | yes | „Verlust des Arbeitsplatzes aufgrund unerwarteter betriebsbedingter Kündigung des …“ | Deckungskonzept, page 1 |
| Unexpected call-up or official posting | not addressed | ||
| Travel disruption preventing the couple's arrival | not addressed | ||
| Extreme weather making the celebration impossible | not addressed | ||
| Official ban or prohibition of gatherings | not addressed | ||
| Absence of the registrar or minister | not addressed |
Rings, attire, gifts and suppliers
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Wedding rings against loss, theft and damage | no | „Nicht versichert sind Eigenleistungen des Brautpaares (z. B. selbst beschaffte Artikel …“ | Deckungskonzept, page 1 |
| Rings not ready in time (replacement) | not addressed | ||
| Wedding dress and suit against damage, loss or non-delivery | no | „Nicht versichert sind Eigenleistungen des Brautpaares (z. B. selbst beschaffte Artikel …“ | Deckungskonzept, page 1 |
| Wedding gifts against theft and damage | not addressed | ||
| Photos and video (re-shoot after failure or loss of footage) | not addressed | ||
| Cake, flowers and decoration if damaged | not addressed | ||
| Hired items (marquee, equipment, decoration) against damage | not addressed | ||
| Misconduct or no-show of a contractor (band, DJ, car service) | not addressed |
Liability at the celebration
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for organiser's liability at the celebration | not addressed | ||
| Damage to the hired venue (rented buildings and rooms) | not addressed | ||
| Damage caused by guests covered (guests as insured persons) | not addressed | ||
| Fireworks, candles and open fire | not addressed | ||
| Deductible in liability cover | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of separation, change of mind or withdrawal of the couple | not addressed | ||
| Exclusion of events and pre-existing conditions known or foreseeable at purchase | not addressed | ||
| Exclusion of epidemic, pandemic and related official measures | not addressed | ||
| Exclusion of bad weather (short of extreme weather) | not addressed | ||
| Exclusion of war, terrorism, civil unrest | yes | „jeweils ohne Kriegs- und Krisengebiete“ | Deckungskonzept, page 1 |
| Exclusion of financial reasons or the couple's insolvency | not addressed | ||
| Exclusion of alcohol or drugs as cause | not addressed | ||
| Benefit reduction for gross negligence | not addressed |
Benefits, deductible and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim for cancellation | none | „Selbstbeteiligung Keine“ | Deckungskonzept, page 1 |
| Percentage deductible (share of the loss) | none | „Selbstbeteiligung Keine“ | Deckungskonzept, page 1 |
| Refund of deposits paid that are not returned | not addressed | ||
| Guests' travel and hotel costs covered | not addressed | ||
| Honeymoon covered | not addressed | ||
| Duty to cancel with suppliers without delay (loss mitigation) | not addressed | ||
| Medical certificate or proof of serious illness required | not addressed | ||
| Written supplier contracts and invoices required as proof | not addressed | ||
| Underinsurance (reduction if the sum is below the event price) | not addressed | ||
| Deadline for reporting a claim | not addressed |
Evaluated by NAMMERT from published policy wordings.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- Zurich Insurance Europe AG
- Distribution
- not known
- Leistungsübersicht Hochzeitsversicherung für Privatpersonen Edition: ohne Stand (Formular 216410400 2211) Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for Zurich Hochzeitsversicherung and available as plain text.
Volltext Zurich Hochzeitsversicherung Hochzeitsversicherung · As text (Markdown) Zurich Hochzeitsversicherung Wedding insurance