Personal Accident Cover
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Personal Accident cover is a benefit cover and works differently to the other sections which are indemnity covers.
Indemnity seeks to put you back in the same position you were (financially) before the loss or incident occurs. Benefit insurance looks to put you in a better position (financially) because of something severe adversely affecting you.
Under our Personal Accident cover, we will look to pay out £20,000 per person, covering the bride and/or groom should they sustain a life changing injury within 24 hours before or after the date of the wedding. Injuries that would be included are; permanent total disablement, the permanent loss of a limb or eyesight; or lastly, should the worst happen where an injury leads to either the bride or groom passing away.
As this is a benefit cover, the personal accident insurance would be claimable in addition to the cancellation sections if the accident occurs before or on the wedding date. If the injury arose out of someone else’s negligence; you can still claim under this section of cover, whilst also pursuing the person who caused the injury in the first place.
There are certain limitations on the cover; There are certain types of vehicle injuries that are not covered, such as quad bike accidents or accidents involving trikes or motorcycles.
Also, to make a claim under this section of cover, the bride or groom must be in full time paid employment.
Bspoke Underwriting Limited policies are underwritten by Watford Insurance Company Europe Limited.