De Goudse · compared independently · advice from Finass
Wedding day insurance through De Goudse
Wedding day insurance insures one date: the costs that are already committed if the day does not go ahead, and the losses that occur on the day itself.
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
We compare the offerings of several insurers
An adviser checks whether the cover suits your situation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
The financial risk of a wedding day lies in the costs paid in advance and committed by contract. The venue, catering, photographer, music and transport are booked months ahead and usually cannot be cancelled free of charge. If the day does not go ahead or has to be moved, those obligations remain. The cancellation section of wedding day insurance pays those costs, but only for the causes expressly listed in the conditions.
The policy also covers what goes wrong on the day itself. Think of damage to the wedding clothing, loss or theft of gifts and rings, damage to the hired venue, to hired furniture or to equipment, and liability towards guests. That last point touches on the care, custody and control provision: items you hire that day are in your keeping, and those are precisely what an ordinary liability policy excludes.
A third element is the failure of a supplier. If the caterer becomes insolvent or the photographer does not turn up, there are costs in arranging what is needed after all. We go through your contracts and payment dates before the insurance starts, because what was already irrevocably committed cannot be insured afterwards.
The structure of the cover in three parts, with an overview per situation below.
Basic cover
The basic cover insures the core of your wedding day insurance. We show what De Goudse and other insurers offer within it.
Injury to persons
Property damage to third parties
Employees included
Retroactive cover (prior risk)
Extended cover
On top of that to damage to third parties, employers' and product liability and damage during work at the client's premises.
Employers' liability at the client's premises
Product liability
Agency workers, interns & volunteers
Care, custody and control (property in your care)
Complete package
The most complete cover. We compare De Goudse's extended version with the market.
Environmental impairment (unforeseen, limited)
Retroactive cover (prior risk)
Higher sums insured
What we do
What we do
At Finass
Direct with De Goudse
Comparison across several insurers
Yes
No
Advice based on your own situation
Yes
Sometimes
One point of contact for claims
Yes
Sometimes
Cancellation with your current insurer arranged
Yes
No
We determine whether De Goudse is the best choice
Yes
No
Advice fees for you as a customer
No
No
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Cancellation has an exhaustive list
The costs already paid are only reimbursed for a cause set out in the conditions: death, serious illness or an accident affecting the couple or close family, and sometimes involuntary loss of employment. Bad weather, second thoughts, a falling-out or a shrinking guest list are not among them. A cause that was already known when the policy was taken out gives no entitlement either; the policy must be taken out well before the date.
Clothing, rings and gifts
The wedding clothing is insured against damage and theft, usually from a few days before the wedding. Gifts left at the venue on the day itself have their own limit and often a condition that they were not left unattended. For rings and jewellery the same pattern applies as elsewhere: loss without an identifiable event remains excluded, while theft after forced entry or robbery is covered.
The hired venue is in your keeping
Burn marks in a parquet floor, a toppled candlestick or damaged hired furniture are damage to items in your keeping that day. Under an ordinary liability policy that falls under the care, custody and control exclusion. Wedding day insurance can cover it. For injury to a guest, ordinary liability under Article 6:162 of the Dutch Civil Codeapplies, and at a large reception that can run high.
What is not included
Cancellation because of an epidemic, a pandemic or a government measure has, after recent years, been excluded in virtually all conditions. The same applies to war and civil commotion, terrorism outside the national arrangement and loss caused by intent or excessive drinking. Bad weather is not an insured cause, not even for an outdoor ceremony. A honeymoon is a separate trip with its own cancellation cover and does not fall under this policy.
Retroactive cover (prior risk)
Retroactive cover (prior risk) Included for your staff during work.
Defence & legal costs
What does your premium depend on?
Total of the committed costs. The amount of booked and prepaid commitments is the basis of the cancellation section.
Number of guests. More guests means a greater liability risk and a greater chance of damage to the venue.
Type of location. A listed building, a marquee in a field or a restaurant each bring their own risk.
Inside or outside the Netherlands. A wedding abroad brings travel, transport and supplier risks that count separately.
Sections included. Clothing, gifts, liability and supplier failure are separate choices.
Time between taking out the policy and the wedding day. The earlier the policy runs, the more causes are still unforeseen and therefore insurable.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your wishes.
We compareseveral insurers, on premium as well as conditions.
You receive a proposalWith an explanation of the differences and the exclusions.
We arrange the switchIncluding cancellation, so there is no gap in cover.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
As early as possible, and in any event before you sign the major contracts and make deposits. The policy covers only unforeseen causes arising after the start date. If you take it out shortly before the day while something is already going on, for example illness in the immediate family, that cause is no longer unforeseen and gives no entitlement to reimbursement of the booked costs.
Is postponement the same as cancellation?
Not automatically. Some policies pay, on postponement, the costs lost through the delay, others only on definitive cancellation. In both cases the cause must appear in the list. If you arrange the postponement by agreement with the suppliers, report it to the insurer first; an arrangement made on your own initiative may limit the payment.
What if the caterer becomes insolvent?
Supplier failure is a separate section. What is then insured are the extra costs of arranging a replacement, and the deposit you do not get back. The section does have to be included, and the insolvency must not have been known or applied for when the policy was taken out. Keep contracts and proof of payment, because the loss is established from them.
Is damage to the wedding venue covered?
Yes, provided the section for hired items is included. Under an ordinary personal liability policy, damage to items in your keeping falls under the care, custody and control exclusion, so a burn mark in the floor or a damaged piece of hired furniture goes unpaid there. Injury to a guest is an ordinary liability question and falls under the liability section.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
