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Wedding cancellation insurance

The backup plan for YOUR fairytale wedding.

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You want a relaxed wedding?

Why you should get a wedding cancellation insurance:

If the wedding is cancelled or has to be broken off, if the wedding location is under water, the wedding photographer spontaneously drops out or the bride unexpectedly falls ill: 

If something happens LAMIE is there for you!

Simply take out the wedding cancellation insurance in advance and you can look forward to your wedding without any worries.

What ist offered in a nutshell:

Assumption of costs in the event of cancellation or abandonment of the wedding

Possible for weddings in Austria and Germany

No deductible in the event of a claim

YOUR insurance Cover

how YOUR WEDDING is protected:

Basic

of the bridal couple, a relative or a special wedding guest (e.g. bridesmaid, best man) and the scheduled organisation of the wedding is no longer reasonable.

of the bridal couple, a relative or a special wedding guest (e.g. bridesmaid, best man) and the scheduled organisation of the wedding is no longer reasonable.

It cannot be used due to a fire or water damage or a natural disaster.

A travel delay occurs when the Bridal Couple or at least 50% of the confirmed wedding guests are completely prevented from attending the Insured Wedding because the travel delay was unavoidable and through no fault of their own; However, the journey to the insured wedding was booked and / or started in such a timely manner that there would have been enough time for the arrival before the insured wedding.

Premium

Non-appearance of the booked professional photographer / videographer due to death, accidental injury, illness or unavoidable travel delay.

Breach of contract by a service provider who is critical to the performance of the insured wedding.

Coverage of damage from unnamed perils that affect the wedding dress / suit unexpectedly and suddenly from the outside as well as the loss through theft, burglary or robbery of these items.

Cover for damage from unnamed perils acting on the wedding rings unexpectedly and suddenly from outside, as well as loss through theft, burglary or robbery of these items.

Get a quote

NeW
for Premium:
with Rings & Outfit

the Details for you:

Small wedding
Costs of wedding: € 5,000
Premium starting from 125 €

Large wedding with friends and family
Costs of wedding: 10,000 €
Premium starting from € 189

Wedding with a large number of guests or a noble ambience
Costs of wedding: 20,000 €
Premium starting from € 322

The amount of the insured sum of the wedding cancellation insurance corresponds to the price of the insured wedding, i.e.: the sum of the costs of all booked services for the wedding celebration. If you take out a lower sum insured, the compensation will be reduced in proportion to the sum insured to the actual costs of the wedding.

The wedding cancellation insurance also pays if the scheduled event of the insured wedding is no longer reasonable due to the death, accidental injury or illness of the bridal couple, relatives or special wedding guests. Relatives include the following relatives of the bridal couple: children as well as adopted, foster and step children; parents, adopted, foster and step parents, grandparents, siblings, grandchildren, aunts, uncles, nephews and nieces. Special wedding guests include all persons who play an active role at the wedding. This includes, among others, best men and bridesmaids – but not invited ordinary wedding guests.

The wedding cancellation insurance does not pay if

  • important circumstances were concealed or misrepresented;
  • the bride and groom or a family member have intentionally caused the damage, or the bride and groom decide not to get married;
  • it was already certain at the time the insurance was taken out that the claim would occur;
  • there is a pre-existing condition of the bride and groom, a relative or a special wedding guest;
  • the claim is caused by a pregnancy of the bride and the date of birth is within 2 months after the insured wedding or the date of conception is before the start of the insurance;
  • a damage occurs due to recommended or enforced quarantine or self-isolation;

  • a damage occurs caused by communicable diseases / Covid 19 if official containment measures have already been imposed;
    for example, insurance cover is provided if, for example, the bridal couple contract a contagious disease (e.g. malaria or influenza) and the wedding has to be cancelled because of this. There is no insurance cover if official measures have been taken to contain or combat malaria or influenza. Therefore, if the bride and groom fall ill in connection with a reported epidemic or pandemic, the damage is not covered;

  • the age restriction is met: Persons who are at least 75 years of age on the wedding date are excluded from the insurance cover;
  • a damage occurs due to criminal cyber acts.

You can find more detailed information and further exclusions, among other things, under point 4 of the General Insurance Conditions.

information sheet (DE)
Terms and conditions (DE)
Premium overview (DE)
Wedding-Checklist (DE)
Key Facts (DE)
Infofolder (DE)
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And what about a rainy wedding day?

WEDDING WEATHER INSURANCE

If it rains on your wedding day, you will get a compensation of

5.000 €

More information
Get a quote

FAQs

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

  • Are all types of weddings insured?

    The insured wedding is the wedding ceremony and the wedding reception afterwards.

    The ceremony for the registration of the partnership is also deemed to be an insured wedding celebration. Furthermore, a celebration of the 25th to 50th anniversary of the wedding or registered partnership is also deemed to be a wedding celebration.

  • Does the wedding insurance pay if the wedding has to be cancelled due to Corona?

    Unfortunately, we cannot insure claims related to Corona. Cancellation of the wedding due to COVID-19, SARS-CoV-2, any mutation or variation of SARS-CoV-2 or any other communicable disease is not insured.

    Cancellation at your own discretion (e.g. due to fear of infection) or due to an official order is not insured.

     

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

    If the single premium is transferred late, i.e. only after the due date according to the premium schedule, the insurance cover shall only commence at this later date. If the single premium is not paid, no contract is concluded. If the premium has not been paid when the insured event occurs, the insurer is not obliged to pay benefits.

  • 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.

  • Is the cancellation of the wedding due to pregnancy insured?

    Abortion or cancellation of the wedding due to pregnancy alone is not an insured reason for cancellation, or this is considered a general exclusion, if the date of confinement is within two months of the insured wedding, or the date of conception is before the commencement of the insurance".

    However, complications arising from pregnancy may be covered.

    For this, the wedding cancellation insurance must have been taken out more than two months before the pregnancy. Complications occurring in the 1-7 months of pregnancy are therefore insured.

  • Is it possible to change the date if the wedding has to be postponed?

    Yes, if you have to postpone the wedding, you can of course change the insurance to the new date. However, the change is only possible up to 6 weeks before the new wedding date at the latest. In this case, please contact our customer service immediately and inform them of the new wedding date.

    If you have already incurred cancellation costs as a result of the postponement and report the loss to us, a change is clearly no longer possible. In this case, you can take out new wedding cancellation insurance for the new date.

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

    Yes, you can withdraw from the insurance contract within 14 days from the start of the insurance or from receipt of all insurance documents, whichever is later. The withdrawal is on time if the declaration is sent within the deadline. In this case, we will refund any premiums already paid. The withdrawal must be declared at least by e-mail to kundenservice@lamie-direkt.at but can also be made in writing to L'AMIE AG, Hasnerstraße 2, 4020 Linz, Austria.

  • How much does the wedding cancellation insurance cost?

    The premium is calculated individually according to the amount of the costs of your wedding. These correspond to the sum of the costs of all booked services for the wedding celebration. This includes wedding location, catering/party service, accommodation, flower arrangement, wedding stationery, photographer, videographer, wedding bands, DJ or other entertainment - but not reusable products such as wedding dress, wedding suit or jewellery.

    You can find an overview of the premiums above

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

    Only persons with residence in Austria and Germany can take out the wedding cancellation insurance. Only bridal couples with joint residence in Austria and Germany can be insured. 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.

  • Why do I need a wedding cancellation insurance?

    Bridal couples not only put all their heart and soul into planning their wedding but also usually a lot of money. It is all the more annoying when the celebrations, planned down to the last detail, cannot take place at short notice for unforeseeable reasons. The wedding cancellation insurance reimburses you for the irrecoverable costs (including the costs of rearranging the insured wedding) in the event of unavoidable and unexpected cancellation or abandonment of the wedding. The reasons for cancellation are:

    • Death, accidental injury or illness of the bride and groom, an insured relative or special wedding guest.
    • Cancellation of the wedding location due to a natural disaster, fire or water damage
    • Travel delay

    With the Premium Wedding Cancellation Insurance, we additionally cover the costs in the event of:

    • Failure of a key service provider critical to the delivery of the insured wedding due to breach of contract.
    • Non-appearance of the booked professional photographer/videographer due to death, accidental injury, illness or an unavoidable travel delay
    • wedding dress and/or wedding suit
    • Wedding rings

    For more information on the insurance cover, please refer to the insurance conditions, the information sheet and the key facts, which you can access at the top of the page.

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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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 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

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 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.

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).

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.