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wedding weather insurance

YOUR GUARANTEE FOR A GOOD MOOD ON A RAINY WEDDING DAY.

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blessing of a rain.

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MAKE it rain money.

The big question ist: What if it rains on your wedding day?

We say: It´s a great thing, because with the wedding weather insurance we sweeten your rainy wedding day with a

5.000€ lump sum compensation.

your insurance cover

in a nutshell:

The insurance covers a rainfall of 7.5 mm or more in the period from 12.00 to 18.00 hrs.

You will receive the compensation for your lost wedding enjoyment & additional costs due to the rainy weather.

Thanks to the Wedding Weather Insurance, the sun will shine for you as the bridal couple, despite the rainy weather.

Whether for a honeymoon upgrade or an after-wedding party – it’s up to you. The € 5,000 lump sum compensation is at your free disposal.

After your wedding, you will automatically receive a notification by e-mail. There is no need to provide elaborate proof of damage. If it rains, you get paid – it’s that simple.

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how it works:

Rainfall of 7.5mm = 7.5 litres per m2

in the time period between 12 am and 6 pm

Then you get

5.000 €

premium starting from 179€

the Details for you:

The one-off premium for the wedding insurance is calculated on the basis of the date and location of the wedding – for example:

Wedding near Jennersdorf, Burgenland
beginning of July
Premium approx. 200 €

Wedding near Attersee, Upper Austria
End of August
Premium approx. 405 €

Wedding near Hanover, Germany
middle of August
Premium approx. 180 €

The wedding weather insurance provides cover from a rainfall of 7.5 mm (threshold) falling in the period between 12.00 and 18.00 hrs. A longer period can be agreed upon when ordering.

Please note that wedding weather insurance is not a sunshine guarantee. In particular, even lower amounts of precipitation may already be considered disruptive and unpleasant.

If the conditions for payment are fulfilled, you as the beneficiary bride and groom will receive the lump sum compensation for the agreed insured sum at your free disposal. The sum will be transferred to the account of the bride or groom, this will be done within 5 working days from the notification of the account details (Austrian or German account only). Please note: The payment will only be made to the policyholder if this is also the bride or groom.
information sheet (DE)
Terms and conditions (DE)
wedding-Checklist (DE)
Key Facts (DE)
Infofolder (DE)

OUr happy customers.

That's What Friends Are For.

And that’s why the umbrella is now being exchanged for sunshine – thank you LAMIE!!!

Manuel and Kerstin R., bridal couple from Linz/Upper Austria

I’ve been waiting for this for a long time: an almost weather guarantee for brides and grooms!

Bianca H., Wedding planner from Bremen/Germany

With the wedding weather insurance, rain can’t mess up anything anymore, but we can have a second honeymoon!

Magdalena G, bride from Graz/Styria

A wonderful gift to our friends – and when a thunderstorm hit the wedding, we all had a big smile on our faces!

Peter S., Best man from Innsbruck/Tyrol

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the Upgrades

THE FOLLOWING ADDITIONAL COVERAGES ARE AVAILABLE:

Afternoon & Evening

You can also extend the insured time period.

More Information

WEDDING CANCELLATION INSURANCE

Takeover in case of cancellation/abandonment of the wedding.

More information

FAQs

  • How much does wedding weather insurance cost?

    The one-off premium is calculated individually depending on the date and location of the wedding. After taking out the wedding weather insurance on our homepage, you will immediately receive your policy and your premium proposal by e-mail.

    The wedding weather insurance is available from a premium of € 179.

  • What happens if I do not pay the premium on time?

    The insurance premium must be paid by the 21st day before the insured wedding. If payment is made too late, we will unfortunately no longer be able to insure the wedding. Late payments will be refunded by us.

  • Can I still withdraw from the contract if I have already paid the premium? Will I get my money back?

    No, due to the short duration of the contract, there is no legal right of withdrawal. Once you have paid the premium, you can no longer withdraw from the contract. On the other hand, there is also no possibility for us to cancel once the contract is up and running.

  • Why should I take out a wedding weather insurance? Why do I need it?

    The wedding weather insurance compensates the bridal couples for missed wedding enjoyment or additional costs in case of rain on the wedding day. For as little as a one-off premium of € 179, the bride and groom receive a lump sum compensation of € 5,000 if the wedding is insured.

    Of course, we cannot compensate you for bad weather. Proper wedding planning with an appropriate bad weather alternative is very important. However, in the event of a claim, you will receive lump sum compensation for your own use. With this, we want to offer all bridal couples a kind of good mood guarantee, so that there is a great atmosphere even if it rains.

  • Under what conditions is the insurance cover for the wedding valid?

    You can take out wedding weather insurance up to 4 weeks before the wedding date at the latest. We will then immediately send you your policy as well as your premium proposal by e-mail. In order for you to enjoy insurance cover on your wedding day, the insurance premium must be paid no later than the 21st day before the insured wedding. The deposit is on time if you instruct your bank to make the transfer no later than the 21st day before the wedding.

  • What is meant by a rainfall of 7.5 mm? How is this measured?

    The insurance covers a rainfall of 7.5 mm or more, i.e. 7.5 litres/square metre, which falls between 12.00 and 18.00 hrs.

    • Normal rainfall has an intensity of around 1-1.5 mm/hour,
    • a medium-heavy rain shower has an intensity of around 3.0 mm/hour,
    • heavy rainfall around 5.0 mm/hour
    • or a downpour 5.0 mm/5 min.
    • In a heavy storm, the amount of rain can increase to 20 mm/hour and more.

    Such a precipitation amount is basically caused by continuous rain or short heavy showers, but not by drips or drizzles.

    The amount of rainfall at the insured wedding venue is measured by UBIMET GmbH using a scientifically recognised meteorological method (RACE weather model). The basis for the calculation is exclusively the measurement data of physical weather stations as well as weather radar and weather satellite data of UBIMET GmbH.

  • Who can take out wedding weather insurance and where is it valid?

    Only persons resident in Austria and Germany can take out wedding weather insurance. Nationality is not relevant. In the event of a claim, payment can only be made to an Austrian or German account.

    In principle, we insure weddings that take place in Austria or Germany. If you want to get married in another country, we have to check the circumstances individually.

  • I am organising a wedding at the moment. What is the advantage of wedding weather insurance?

    Wedding weather insurance is a new and innovative addition to complete your wedding planning. Of course, nothing works without a proper plan B in case of bad weather. With wedding weather insurance, however, you receive compensation if your plan B has to come into effect due to rain and, for example, you cannot celebrate outdoors as you had hoped.

    This means that rain is not only a proverbial blessing but also a real one (in terms of money) - and it certainly doesn't put the bride and groom in a bad mood. Why should it? The rain finances the honeymoon, for example.

You can find more questions & answers about our insurance policies in the general FAQs.

Join our LAMIE community:

We are here for you!

Write us:
kundenservice@lamie-direkt.at

Call us:
0732 2596

Report a claim conveniently and online.
Click here for the claim form

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Liebe Kundinnen, liebe Kunden!

Hier kannst du überprüfen, ob die Hochzeitswetterversicherung deinen Wünschen und Bedürfnissen entspricht. Bitte beachte, dass du durch den Online-Abschluss auf die Beratung und die persönliche Empfehlung durch einen LAMIE Berater verzichtest. Für eine produktspezifische Unterstützung im Bestellprozess stehen wir gerne telefonisch oder per E-Mail zur Verfügung.

Zuerst zum
Wünsche- und Bedürfnistest

Ja, ich wünsche eine Bedarfserhebung

Nein, ich wünsche keine Bedarfserhebung bzw. möchte keinen Wünsche & Bedürfnisse Test

Direkt zum Bestellprozess

Dear customers!

Here you can check whether the wedding weather insurance meets your wishes and needs. Please note that by purchasing online, you are waiving the right to advice and personal recommendation from a LAMIE advisor. For product-specific support in the ordering process, we will be happy to assist you by phone or email.

First to the Wishes and Needs Test.

Yes, I would like a needs assessment (DE)

No, I do not want a needs assessment.

Continue to the order process

Nachmittag & Abend

Die Hochzeitswetterversicherung gilt am Hochzeitsdatum standardmäßig für den Zeitraum 12.00 – 18.00 Uhr. Wenn ihr auch für den Abend auf Nummer sicher gehen wollt, könnt ihr den Zeitraum auf 12.00 bis 21.00 Uhr (10 mm Regen) erweitern.

Afternoon & Evening:

The Wedding Weather Insurance is valid on the wedding date for the period 12:00 – 18:00 as standard. If you also want to be insured for the evening, you can extend the period to 12 p.m. to 9 p.m. (10 mm of rain).

Lightning strike

With an average of around 170,000 lightning strikes per year, a strike in one’s own home is not at all unlikely. Direct lightning strikes are already insured in the basic variant. The premium variant also covers damage caused by indirect lightning strikes up to € 5,000.

Sport events

This includes any events related to sporting activities e.g. sports competitions, sports festivals and sports club celebrations.

Company, School and University Events

These include company anniversary celebrations, summer parties, university events, school parties and children’s parties.

Markets

These include street food markets, cider fairs, farmers’ markets, weekly markets, livestock markets and animal shows.

Dear customers!

Here you can check whether the wedding cancellation insurance meets your wishes and needs. Please note that by purchasing online, you waive the right to advice and personal recommendation from a LAMIE advisor. For product-specific support in the ordering process, we will be happy to assist you by phone or email.

First to the Wishes and Needs Test.

Yes, I would like a needs assessment (DE)

No, I do not want a needs assessment.

Continue to the order process

Dear customer,

due to product maintainance we currently do not offer any new contracts on LAMIE household insurance.

In case you are interested to conclude a contract later, please use the contact form to post your interest and we will get back to you upon availability of the online ordering process.

Thank you for your understanding.

 

Earthquake

We know only too well from media reports what damage earthquakes can cause. Earthquake damage is insured up to € 10,000.

Burglary

To ensure that your belongings are also protected from thieves, burglary insurance covers not only stolen items but also damage caused by vandalism.

Storm

Nature is unpredictable. That is why storm damage caused by storms, hail, snow pressure, landslides, rock falls and the like are insured. In the premium variant, floods (up to 5% of the sum insured) are also covered.

Tap water

One leaking pipe and your new furniture is ruined. Tap water damage is insured. The premium version also covers damage caused by water leaking from household appliances, fittings, aquariums or waterbeds.

Fire

For us, fire damage also includes damage caused by the effects of heat. Therefore, your household contents are also insured if they are merely singed, charred, sooty or destroyed by an explosion/deflagration.

Outdoor /Music events:

These include music festivals, concerts, theater performances, open-air cinema, tent festivals, beer festivals and fire brigade festivals.

Political / Community events:

This includes all celebrations organized by municipalities as well as events by political parties and interest groups.

Cultural events

These include folk festivals, fairs, church fairs, youth events, music club festivals, knights’ festivals and parades.