Wedding Insurance - Public Liability

Ooooerrrr! I've read a lot of small print from hotels and where they mention PLI, it usually refers to third party suppliers that you employ for the day like togs, DJs and bands. I've not come across this before. Sorry....thats not a lot of help!

I would highly doubt that the hotel conditions would enforce that all members of the party have Pl insurance - these things usually relate to suppliers i.e photographers and they would (should) all have their own PL cover in place. The hotel insurance would also have PL cover in place (albeit potentially on a contingent basis only).

Do you have a copy of this part: (other than the Hotels liability in (i) above [which refers to their negligence etc]) to read?

Hi, I've been doing more research and found that Dreamsaver do an insurance package which suits this purpose. Their Silver package is only £25 (which has the right level of cover for me) then for an additional £19, they'll cover all the guests for PL up to £2m.

Their policy states: Section 11 - personal liability is extended to cover all persons invited to the wedding or reception by you in respect of legal liability arising from accidental injury to third parties or accidental loss of or damage to third party property.

This is exactly what I was looking for. And only £44 all-in.

Thanks for replying, all, I'll go for the Dreamsave option

?

I think it's a bit weird that your venue are asking you to have PLI. I always thought it was for suppliers such as the DJ, etc, not the couple.

@SquidgyBob - they weren't asking for all the guests to have PLI as such. The contract is worded such that I myself are responsible for the action of guests and thus any damage/loss is attributed to me. I guess the hotel want a scapegoat to go to in case there are problems. I'm not prepared to do that without cover. Luckily, DreamSaver Wedding Insurance cover PLI for all the guests at less than £20 extra so its a price worth paying.

@HundredMonkeys - I haven't booked an event of this type with a hotel before so I assumed it was standard T&C's? Alot of the insurance policies state that only the B&G are covered for PLI, so its worth others checking what their venue contract says and wether their Insurance policy gives adequate cover. As noted above, there are policies which DO have the relevant cover - you just need to check.

This may be of help for those looking for insurance

Policy

CancellationaAttirePresentsPhotos/filmRingsSupplier failurePremium Covermywedding.co.uk
3 Starb £10,000 £5,000 £5,000 £5,000 £4,000 £2,000 £40 E&L
Band 2b £8,000 £5,000 £5,000 £8,000 £4,000 £6,000 £29 John Lewis
Level 1 £10,000 £5,000 £2,000 £5,000 £2,000 £5,000 £58 Event Insurance
Level 1 £5,000 £5,000 £3,000 £3,000 £3,000 £5,000 £51 Insure For Weddings
Goldb £10,000 £3,000 £2,000 £2,000 £2,000 £1,500 £40 Myweddinginsurance.co.uk
Pearl £7,500 £3,000 £2,000 £1,500 £1,500 £2,500 £36c Weddingsurance
Sapphireb £7,500 £2,000 £3,000 £3,000 £2,000 £3,000 £64 Weddingplan
Silverb £5,000 £2,500 £2,000 £2,500 £1,500 £3,500 £25 Dreamsaver
Silver £6,000 £3,000 £3,000 £3,000 £3,000 £3,000 £25 Debenhams
Silver £5,000 £2,750 £31,500 £1,500 £1,500 £3,000 £39

Full features table

Wedding insurance with higher cover levels PolicyCancellationaAttirePresentsPhotos/filmRingsSupplier failurePremium John Lewis
Level 6 £100,000 £50,000 £15,000 £50,000 £15,000 £50,000 £290 Debenhams
Diamond Plus £50,000 £25,000 £12,500 £27,500 £12,500 £27,500 £199 Weddingplan
Premier Plus £65,000 £10,000 £10,000 £22,000 £10,000 £35,000 £200 E&L
Band 8 £50,000 £10,000 £10,000 £20,000 £10,000 £10,000 £187 Weddingsurance
Diamond £50,000 £7,500 £7,500 £10,000 £5,000 £10,000 £225 Covermywedding.co.uk
5 Star £40,000 £10,000 £10,000 £10,000 £10,000 £10,000 £139 Dreamsaver
Diamond £30,000 £10,000 £10,000 £10,000 £10,000 £15,000 £104 Insure For Weddings
Diamond £30,000 £10,000 £10,000 £5,000 £10,000 £4,000 £75 Event Insurance
Level 6 £30,000 £10,000 £3,000 £3,000 £3,000 £10,000 £157 Myweddinginsurance.co.uk
Platinum £25,000 £6,000 £5,000 £5,000 £5,000 £8,000 £95b

Full features table

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This covers you for accidental loss - it would not cover you for deliberate damage caused by your drunken guests, that the venue would be chasing you for

@Peter

Thanks for supplying a list of Insurance providers. Useful, but bear in mind it misses the point of this thread which was about PLI for guests. Just check out the policies in your list and you will find this ISN'T covered in many of them. For example, in the PL section of the John Lewis policy you'll find this exclusion...

This Section does not provide cover in respect

of liabilities arising from the actions of anyone other than the bride and groom or prospective civil partners, except insofar as the bride and groom or prospective civil partners would be held liable for them at law, and does not include any additional liability accepted under a hiring or booking contract

In other words, even if your booking contract with the hotel states that you are liable for the actions of your guests, this John Lewis policy explicitly excludes cover for guests. A very similar exclusion exists in the E&L Policy. Others, like Dreamsave and CoverMyWedding dont cover guests as standard but have a optional extension to the PL to cover guests.

So, be careful which policy you select. It doesn't really need stating, but read the small print to make sure your cover is appropriate for the contracts you are signing. They are not all the same!

Do you work for Dreamsaver? If not, you should ask them for a job doing their advertising... ;-)

Make sure you book a band with full PAT tested equipment and public liability insurance. My band has that and it covers things like guests falling into equipment when they get a bit merry and the like