Wedding and private event insurance
Proposal form
This form is for weddings, private events or Bar/Bat Mitzvahs where the insured is a private
individual. If you are a business and need cover for a conference, exhibition or special event,
or if you are an exhibitor, please download the relevant proposal form from
www.hiscoxbroker.co.uk/events.
Sections 1, 2, 3, 4 and 8 are mandatory sections. Sections 5, 6 and 7 only need to be
completed if you require the cover in that section.
If you have any questions please call us on +44 1206 773 851 between 9am and 5pm,
Monday to Friday.
Section 1 – Your event
insurance requirements
Please select the cover you require from the options below.
Is coverage
required?
Coverage options
Cancellation and abandonment
Yes
No
Public liability (PL) – damage to third-party property or injury to
third-parties (e.g. people attending your event).
Yes
No
Employers’ liability (EL) – injury to your employees and volunteers. This
cover is only available if you also take PL cover.
Yes
No
Yes
No
If Yes, please complete Section 5.
Legal liabilities
If Yes, please complete Section 6.
Event property – covering your property, hired-in property and venue
fixtures/fittings.
This cover is only available if you also choose legal liability and/or
cancellation and abandonment cover.
If Yes, please complete Section 7.
Section 2 – Information
about you
Insured name
(This should normally be the person or persons paying for the event).
Address
Postcode
Country
Telephone no.
Email
Have you ever suffered any losses which were or could have been covered
by this type of insurance in the past five years?
Yes
If Yes, please give details:
How did you hear about us?
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Existing customer
Directory
Online advertising
Recommendation
Press
Internet search e.g. Google
Exhibition
Other (please specify)
No
Wedding and private event insurance
Proposal form
Section 3 – Information
about the event
Event name
What type of event is this?
Wedding or civil
partnership
Bar Mitzvah or
Bat Mitzvah
Other event (please describe
the type of event)
Is a professional event organiser running this event on your behalf?
Yes
No
Name of the company organising your event
Period of the event
From
/
/
To
/
/
Venue tenancy dates (including
build-up and breakdown)
From
/
/
To
/
/
How many guests do you expect to attend
the event?
Section 4 – Information
about the venue
Venue name
Venue address
Postcode
Country
Do written contracts of hire exist between either you or your event organiser
and the venue(s)?
Yes
No
Is any part of this event to be held in the open, or in a tent, marquee or
temporary structure?
Yes
No
Yes
No
Are you using any other venues/locations for parts of this event (e.g. church
or register office for the wedding ceremony)?
If Yes, please give details:
Section 5 – Cancellation
and abandonment cover
Please complete this section if you require cancellation and abandonment cover.
Currency
(this is normally the currency in which the event budget is held)
Expenses
(this is the total of everything you spend organising the event)
If the event is a wedding and you wish to include cover for honeymoon
expenses, what is the cost of the honeymoon?
Cover for the non-appearance of key people
Cover is provided as part of your cancellation cover for circumstances where the nonappearance of key people results in the necessary and unavoidable postponement,
abandonment, cancellation, curtailment or relocation of the insured event. Cover depends on
the type of event and is subject to certain conditions and exclusions (see the policy wording for
more details).
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Wedding and private event insurance
Proposal form
If the event is a
wedding, cover is
provided for:
If the event is a
private party, cover
is provided for:
1.
The host and
hostess, their
parents, stepparents, children
and siblings (if
invited).
2.
the official who
is booked to
preside over the
wedding;
the bride and
groom, their
parents, stepparents, children
and siblings, the
best man, the
ushers and
bridesmaids.
If the event is a
Bar/ Bat Mitzvah,
cover is provided
for:
1.
the Rabbi or the
Cantor who are
booked to
preside over the
event;
2.
the bar mitzvah
boy or bat
mitzvah girl, their
parents/ stepparents, brothers
and sisters
(if invited).
Question 1
Are any of these key
people travelling to
the event from
overseas?
Yes
No
Yes
No
Yes
No
Yes
No
Yes
No
Yes
No
Yes
No
Yes
No
Yes
No
Yes
No
Yes
No
Yes
No
Question 2
Are any of these key
people due to arrive
in the country where
the event is taking
place less than 24hours before the
start of the event?
Question 3
Do any of these key
people have any
known medical
conditions?
Question 4
Will any of these key
people be over 70
years of age on the
day of the event?
If you have answered Yes to any of the questions above, please give details below.
Do you require cover for any additional people, other than those listed
above (e.g. other members of family or performers/artists at the event)?
Yes
No
Yes
No
If Yes, please give details below
Are more than 25% of guests traveling to the event from overseas?
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Wedding and private event insurance
Proposal form
Other cancellation coverage options
Is cover required?
Option 1 – Adverse weather cover for outdoor events
Adverse weather is automatically provided as part of your
cancellation cover for the indoor elements of your event. Do
you require adverse weather cover for any part of your
event which will be held in the open or in a temporary
structure?
Yes
N/A
No
If Yes, please answer the questions below.
If the amount insured against cancellation is less than
£25,000, can you confirm that, to the best of your
knowledge, the following is true:
1.
no event has been cancelled at the venue in the past
five years due to water logging or flood;
2.
the venue is not particularly exposed to high winds (e.g.
on the coast or on a hill);
3.
the venue is more than 250 metres from the nearest
river or stream.
Yes
No
N/A
If the amount insured against cancellation is greater than £25,000, we will send a
supplementary questionnaire for you to complete. Please note that we may not be able to
offer this cover if the event is imminent.
Option 2 – Additional terrorism cover
Cover is automatically provided for cancellation and abandonment losses caused by a
terrorist attack for the event expenses, or £300,000, whichever is the lower.
If event is costing more than £300,000, would you like a
quote to increase the terrorism cover up to the full
expenses?
Section 6 –
Legal liabilities cover
Yes
No
Please complete this section if you require legal liabilities cover.
Public liability (PL) cover
This covers claims for damage to third-party property or injury to third-parties.
What currency do you want the public liability limit to be in?
What limit of public liability (PL) cover do you require?
1 million
2 million
5 million
10 million
Will fireworks be used during this event?
Yes
No
If Yes, are you employing a professional fireworks contractor?
Yes
No
Does this event involve any potentially hazardous or unusual activities
that could cause injury to anyone or damage to property (e.g. bouncy
castles or other inflatables, fairground rides)?
Yes
No
If Yes, please give full details including safety measures taken:
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Other
Wedding and private event insurance
Proposal form
Employers’ liability (EL) cover
This cover is a statutory requirement in the UK. It covers claims for damages following an
injury to someone working for you at the insured event. This includes permanent and
temporary staff, and volunteers (see the Key Facts document and policy wording for more
details).
Please note that:
1.
we only offer EL cover along with PL cover, not on a standalone basis;
2.
the standard limit we give is £10,000,000, or currency equivalent;
3.
werequire
cannotemployers’
cover employees
contractors
hired for the event, e.g. catering and
Do you
liability of
(EL)
insuranceyou
for have
this event?
bar staff.
How
many
employees,
including
will be
at this event?
Do you
require
employers’
liabilityvolunteers,
(EL) insurance
foremployed
this event?
Yes
No
How many employees, including volunteers, will be employed at this event?
What kind of work will they be doing?
Section 7 – Property cover
Please complete this section if you require cover for property you own or property you have hired.
Part 1 – General event property
Amount of cover required
If the event is a wedding
we can cover;
wedding attire, gifts, rings,
cakes, flowers and
stationery.
If the event is a private
party we can cover;
gifts, cake, flowers and
stationery.
If the event is a Bar/Bat
Mitzvah we can cover:
Bar mitzvah gifts, cake,
flowers and stationery.
When are you covered?
In the seven days leading up
to the event, whilst these
items are in your care.
Up to 24-hours after the
event whilst these items are
at your home or in transit
between your home and the
event venue.
Part 2 – Damage to venue cover
We can offer a £10,000 (or currency equivalent) limit of cover for damage to
buildings, fixtures and fittings at the venue which you are legally liable for. Do
you require this cover?
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Yes
No
Wedding and private event insurance
Proposal form
Part 3 – High value property
Description
(e.g. no. and
type of items)
Value of owned
equipment
Value of hired
equipment
Is transit cover
required?
Marquees
Yes
No
Audio
visual/multimedia equipment
Yes
No
Other
Yes
No
Is all of the above property in good condition or state of repair?
Yes
No
Will the property be left unattended at any point during the event?
Yes
No
If Yes, please give details of all security arrangements:
Section 8 Declaration and signatures
Confidentiality and data protection
By signing this proposal form you consent to Hiscox using the personal data you provide to us
for the purpose of arranging and administering your insurance. This may also include sensitive
personal data where necessary. We may share your personal data with third parties such as
insurance providers, claims adjusters, fraud detection and prevention services and regulatory
authorities. Where personal data relates to anyone other than yourself, you must obtain the
consent of the person to whom the information relates, both to the disclosure of such
information to us and its use by us as set out above.
All personal data will be treated in confidence and in compliance with the Data Protection Act
1998. You have the right to apply for a copy of your information (for which we may charge a
small fee) and to have any inaccuracies corrected.
Law and jurisdiction
You and we are free to choose the law applicable to this contract. Unless specifically agreed to the
contrary this insurance shall be subject to English law and the policy wording will be in English.
Information
In deciding to accept this insurance and in setting the terms and premium, we have relied on
the information you have given us. You must take care when answering any questions we ask
by ensuring that all information provided is accurate and complete.
You must tell us, as soon as possible, if there are any changes to the information you have
given us. If you are in any doubt, please contact us or your insurance agent.
When we are notified of a change we will tell you if this affects your policy. For example we
may cancel your policy in accordance with the cancellation condition, amend the terms of your
policy or require you to pay more for your insurance.
If you do not inform us about a change it may affect any claim you make or could result in your
insurance being invalid.
Misrepresentation
If we establish that you deliberately or recklessly provided us with false information we will treat
the insurance as if it never existed and decline all claims.
If we establish that you were careless in providing us with the information we have relied upon
in accepting the insurance and setting its terms and premium we may: (i) treat the insurance as
if it never existed, refuse all claims and return the premium. (We will only do this if we provided
you with insurance cover which we would not otherwise have offered); (ii) amend the terms of
the insurance (We may apply these amended terms as if they were already in place if a claim
has been adversely impacted by your carelessness); (iii) charge more for the insurance or
reduce the amount we pay on a claim in the proportion that the premium you have paid bears
to the premium we would have charged you; or (iv) cancel the insurance in accordance with
the cancellation condition of the insurance.
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Wedding and private event insurance
Proposal form
We or your insurance agent will write to you if we: (i) intend to treat this insurance as if it never
existed; (ii) need to amend the terms of your policy; or (iii) require you to pay more for your
insurance.
Declaration
I declare that (a) this proposal form has been completed after proper enquiry; (b) its contents
are true, accurate and complete and (c) reasonable care has been taken to answer all
questions honestly and to the best of my/our knowledge.
I declare that:
1.
I have not been convicted of any offence (other than motoring offences and spent
convictions) in the last five years;
2.
I have not been declared bankrupt in the last five years (including business partners);
3.
I have not had another insurer decline, refuse to continue or apply special terms for
anyone whose property or event is to be insured;
4.
I am not aware of any current circumstances that could lead to a claim under this policy;
5.
I understand that the signing of this proposal form does not bind me to purchase the
insurance but agree that, should a contact of insurance be concluded, this proposal form
and the statements made in it and the information provided in connection with it will be
relied upon by us in deciding whether to accept this insurance.
We require a signature in ink.
Name
Signature
Date
/
/
Please check that you have completed all relevant sections then return the signed and
dated form to us:
Email: eventinsurance@hiscox.com
Fax: 0800 042 0335
Post: Hiscox, PO Box 501, Sittingbourne, ME10 9AF
You should keep a copy of this form for your records.
Policies are underwritten by Hiscox Underwriting Ltd on behalf of certain syndicates at Lloyd's (managed by Hiscox Syndicates Ltd) and Hiscox Insurance Company
Ltd. Hiscox Underwriting Ltd is authorised and regulated by the Financial Conduct Authority. Hiscox Syndicates Ltd and Hiscox Insurance Company Ltd are
authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.
T 0800 840 2469
F 0800 042 0335
E eventinsurance@hiscox.com
www.hiscox.co.uk
For training and quality control purposes, telephone
calls may be monitored or recorded.
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