Are there anything that's not covered?
Yes — the policies you may be offered from us from several providers will typically exclude certain activities and circumstances. Because Event Insurance works as a comparison broker, the exact exclusions depend on which underlying insurer ultimately underwrites your policy — but you should expect significant limitations.
Examples of what is commonly excluded from standard event-insurance cover are:
Damage or injury from deliberate, malicious or intentional acts (e.g. vandalism, intentional harm).
Loss or damage to your own property, equipment, or items under your control (e.g. staging, hired marquees, sound equipment, items you own or hire) rather than third-party property.
Damage to certain types of property, such as flooring (other than carpeting), underground services or ground/groundworks.
Injuries or damage arising from 'dangerous activities' — for example involving inflatables, projectiles, motorised vehicles, mobile machinery or other hazardous activities, unless you obtain special cover.
Claims under a certain minimum value (for instance some policies may have a “policy excess,” meaning small property damage claims below a threshold won't be covered).
Event-cancellation claims if the cause was known or foreseeable at the time of taking out the policy — e.g. known issues with venue, a supplier already in financial trouble, or a likely problem that you were aware of before purchasing.
Cancellation due to supplier failure if bookings/arrangements were not confirmed in writing, or other risks related to poor planning or non-binding arrangements.
Additionally, as with many event-insurance products in the UK, broader general exclusions may apply. These can include things like pre-existing conditions, negligence or wear-and-tear, and major risks such as war or other catastrophic events (depending on the policy).
