Wedding Car Insurance Key Covers
Here’s all the essential information you need to know about our wedding car insurance policies.
For full terms, conditions and exclusions, please visit our wedding car policy wordings.
Insure your wedding vehicle fleets
A wedding fleet can start from as few as two cars. There is no upper limit on how many cars you can have on one policy.
If you have one car and are looking to purchase others as your business grows, or you have varied renewal dates, it’s not a problem.
We can start covering vehicle one and add the others as and when they are due for renewal or when you purchase them. We add the cars to your existing policy, short-date the cover so you’ll finish with one renewal date and charge a pro rata additional premium. In other words, you pay only for the days of cover you have left to run until renewal.
Our premiums also include a very generous multi-car discount, which you’ll benefit from when the second car is added to your policy.
What is agreed value?
Agreed value is a pre-agreed settlement figure if you need to make a claim following an accident or damage and your vehicle is written off. Having your policy endorsed with agreed value is generally a straightforward process and can be done at any point during your policy term. Unlike other brokers, we don’t charge for issuing the agreed value documents. Any additional costs would be due to an increase in the vehicle’s value.
So, how is agreed value done? We require six colour photographs of your vehicle(s) in their current state, and a valuation form. In most cases, the form can be self-completed by detailing the condition of various vehicle components. For example:
- Bodywork – first class
- Interior – first class
- Engine bay and transmission – good
The form has a guide for you to follow on how to evaluate your vehicle. If you can’t fill out the valuation form, we recommend getting a professional valuation, or speaking with our team.
Your photographs can be emailed to us and should show the front, back, each side, engine bay and interior. The registration number must be visible.
Once we have the forms and photographs, we check that the value is in line with market trends. There’s a wealth of information available online, such as auction results and classic car guides. We use this and our expertise to agree on the value.
People who’ve just finished restoring their car often ask if the restoration costs can be taken into consideration when placing a value. Unfortunately, the answer is no.
Restoring a vehicle is not cheap, and a professional restoration can be costly. After all, you’re employing the talents and skills of master craftsmen. To put this into context, you can spend £30,000 restoring your car, but that doesn’t mean that these costs will be reflected in the vehicle’s market value.
Limited and unlimited mileage options
We offer a range of mileage options to suit your driving requirements. This depends on how often you use your wedding car(s). Our options are:
- 1,500 miles
- 3,000 miles
- 4,500 miles
- 6,000 miles
- Unlimited mileage
Mileage can be on an individual vehicle or combined if you have more than one car.
If you do find that you’re doing more mileage than you estimated when purchasing your insurance policy, don’t worry. Just give a member of our team a call to extend your limit mid-term for an additional premium.
Motor legal expenses
Our policies include up to £100,000 for legal assistance should you or your drivers be involved in an accident that wasn’t your or your driver’s fault.
Having an accident can result in unforeseen expenses. Even though the accident wasn’t your fault, you’re still liable for paying your policy excess. Then there’s your loss of earnings and any injury you or your drivers have sustained.
Providing the accident is not your or your driver’s fault, and you can provide reasonable evidence of this, your policy will cover solicitor fees, as they’ll deal with recovering your excess, loss of earnings and any personal injury claim on your behalf.
Our windscreen cover provides an unlimited number of repairs and window replacements, including sunroofs. The excess for replacement glass is £100, and repairs are free.
If you or your named drivers are unable to drive as a result of injury following an accident, our policies will contribute up to £2,000 for alternative transportation costs. This covers a maximum period of 12 months, subject to the accident resulting in an insured claim under this policy.
This cover is for the driver at fault and shouldn’t be confused with the compensation you would receive if you were the innocent party in a motor accident.
Our extended personal accident benefit grants the unusually high limit of £30,000, for death, loss of limb and loss of sight in one or both eyes.
Breakdown recovery is a standard benefit included in our policies. The cover is nationwide, provided you are one mile away from your home or business address, depending on where your cars are stored.
Unlike most breakdown providers, there are no restrictions on vehicle height, length and weight, so there is no need to buy an alternative cover if your vehicle is a little larger or longer.
Should you be unfortunate enough to have to use the service, you are covered for:
- Emergency roadside repairs – Covers the call-out charge and up to one hour’s labour costs for one of our approved agents to attend the scene of the breakdown, and where possible, carry out emergency repairs.
- Vehicle recovery – If the vehicle cannot be repaired within the hour, you are covered for the transportation costs for you and your passengers to a single destination, whether this is a suitable repairer or home.
- Getting you to your destination – If the vehicle cannot be repaired, your breakdown provider will either cover the costs of transporting you and your vehicle to a single destination, pay for a hotel for you up to £50 a night or arrange a category A courtesy car so you can continue your journey.
- Emergency message service – If you would like this, your breakdown company will forward a message to a family, friend or work colleague to let them know what has happened.
Get a quote
Need insurance for your wedding business?
Call 0121 550 2380. We’re open Monday to Friday, 9am to 5pm. For full terms, conditions and exclusions, please visit our wedding car policy wordings.
