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Introduction

Wedding is an auspicious event that marks a beginning of a new chapter in your life. It is the starting point of creating a family of your own. It is a once in a lifetime event that continues to bring you joy for the rest of your life. However, even such an event can be affected with uncertainties. The good news is that we can provide you with the peace of mind and security for all those uncertainties, on your most memorable day. Insure one of the happiest days in the life with ICICI Lombard General Insurance Co. Ltd. and get covered against substantial risks. We cover you for wedding cancellation, material damage to the property, personal accident cover for insured person and public liability.

Section - I Wedding Cancellation


Scope of cover:

Cancellation or postponement of the wedding ceremonies due to:

  • Fire & allied perils including earthquake at the venue
  • Burglary & theft at the venue

Sudden, unexplained, unintimated failure of the named person (s) to appear for the wedding ceremonies on account of any of the following contingencies:

  • Death of such named person(s)
  • Personal injury, either temporary or permanent, which renders the named person(s) incapable of appearing at the insured event.
  • Illness resulting in hospitalisation of the named person 10 days prior to the printed declared wedding date.


Basis of sum insured for wedding cancellation:

Expenses on the following things will be covered:

  • Printing of cards
  • Advances given to venue
  • Advances given to caterer
  • Advances to decorations, music etc
  • Advance given to hotel room bookings / travel bookings
  • Subject to a max of sum insured

    Main exclusions:The company shall not be liable for cancellation of the wedding event due to:
    • Bandh/Civil unrest
    • Any act of terrorism
    • Kidnapping of the named person
    • Complete breakdown of transportation services which prevent the Named Person(s) from reaching the venue
    • The non-appearance of any Named Person(s) due to such Named Person(s) being a part of an air flight, other than as a passenger in a duly licensed commercial aircraft, without the knowledge and consent of the company
    • Any consequential loss due to cancellation of the insured event
    • Unexplained or mysterious disappearance or shortage in respect of the property to be utilized for the insured event discovered upon taking of inventory.
    • Damage to, or destruction of, property caused intentionally by the Insured or at Insured's direction

Section - II Damage to Property


Scope of Cover: Direct physical loss/ damage caused to property insured due to:

  • Standard fire and allied perils including earthquake
  • Burglary and theft

Basis of sum insured for material damage:
Cost of decoration and shamiana, hired sets, jewellery, precious metals and stones, appliances - given by Blood Relations and in-laws  sum insured break-up will be required, and valuation certificates, bills etc. will be needed for jewellery, precious metals and stones to be covered.

Main exclusions: The company shall not be liable for material damage due to:
  • Any damage caused to any property to be utilised for the insured event caused by wear and tear, gradual deterioration, depreciation, mechanical or electrical breakdown
  • Unexplained or mysterious disappearance or shortage in respect of the property to be utilised for the insured event discovered upon taking of inventory
  • Loss or damage to property stored outdoors without due attendance or supervision
  • Damage to, or destruction of, property caused intentionally by the insured or at insured's direction
  • Any act of terrorism

For complete details, please read the policy document

Section - III Personal Accident


Scope of cover: Named person including blood relation and relatives are covered against:

  • Accidental death
  • Permanent partial Disablement
  • Permanent total disablement (names to be declared)


Main Exclusions: The Company shall not be liable for material damage due to:

  • Compensation under more than one of the foregoing sub-clauses in respect of the same period of disablement of the insured person.
  • Compensation in respect of death or bodily injury or any disease or illness to the insured person directly or indirectly caused by or contributed to by nuclear weapons, arising from ionising radiations or nuclear contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
  • Compensation in respect of death, injury or disablement of the insured person due to or arising out of or directly or indirectly connected with or traceable to war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraint and detainment of whatever nature
  • Compensation in respect of death, injury or disablement of the insured person from:
      (a) intentional self-injury, suicide or attempted suicide,
      (b) whilst under the influence of intoxicating liquor or drugs,

  • For complete details, please read the policy document

Section - IV Public Liability


Scope of cover: Liability towards third parties for any accidents resulting in injury or damage occurring at the venue of the wedding, in connection with the wedding, during the policy period.

Main exclusions:The Company shall not be liable for any liability arising due to:

  • Pollution
  • Acts of God, earthquake, earth-tremor, volcanic eruption, flood, storm, tempest, typhoon, hurricane, tornado, cyclone or other similar acts or convulsions of nature and atmospheric disturbances
  • Deliberate, willful or intentional non-compliance of any statutory requirements.
  • Fines, penalties, punitive or exemplary damages or any other damages resulting from the multiplication of compensatory damages, or arising out of any criminal liabilities
  • Consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, terrorism, insurrection or military or usurped power
  • Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel
  • The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof
  • Claims arising out of any motor vehicle or trailer temporarily in the Insured's custody or control for the purpose of parking
  • Damage to property owned, leased or hired or under hire purchase or on loan to the Insured or otherwise in the insured's care, custody or control other than:
    • Premises (or the contents thereof) temporarily occupied by the Insured for work thereon or other property temporarily in the Insured's possession for work
    • Loss or damage to the Visitors' clothing and personal effects


For complete details, please read the policy document