WEDDINGUARD

MASTER POLICY No. 210495

SECTION I - WEDDING CANCELLATION INSURANCE

(I) COVERAGE: the Insurer will reimburse the Insured as stated in the application all deposits and other charges paid or contracted to be paid for transport, catering services, accommodation, photographs, flowers or dress hire booked for but not used and other non-refundable cancellation expenses incurred by the Insured up to the amount shown in the section entitled Declaration because of cancellation or unexpected curtailment (after commencement) of the Wedding or Reception as a direct result and necessary consequence of:

a) Death, Injury, Illness, Compulsory Quarantine, Witness Summons, Jury Duty or Unemployment of the Bride or Bridegroom or any of their "Immediate Family". "Immediate Family" as used herein shall mean parents, step-parents, grandparents, in-laws, children, grand-children, brother, sister, step-brother, step-sister, aunts and uncles. "Unemployment" means involuntary loss of employment which is not attributable to the actions, inaction or desire of the Insured. The Insured must qualify for payments under the unemployment insurance act.

b) Unforeseen occupational posting overseas of the Bride or Bridegroom.

c) The Premises booked or arranged for the Wedding or Reception being unable to hold the ceremony or reception following damage by any cause, outbreak of infectious or contagious disease, murder or suicide occurring at the premises or closure by the local authority.

d) Loss or damage beyond repair by any cause to the bridal attire occurring within five working days of the Wedding, every effort having been made to purchase or hire alternative bridal attire for the ceremony.

e) Non-appearance of the wedding transport booked for the event, the Insured must make every effort to make alternative arrangements for transportation.

(II) PERIOD OF COVERAGE: coverage shall be in effect and expire on the dates shown in the section entitled "Declarations". All periods of time under this coverage begin and end at 12:01 a.m. Standard Time at the address of the Policyholder.

(III) EXCLUSIONS The Insurer shall not be liable for:

a) The first $100.00 of each and every claim or for any sum recoverable from any other source.

b) Cancellation or unexpected curtailment following:

I) Damage to tents, marquees or other similar outdoor locations;

II) Loss or damage to bridal accessories unless other bridal attire is lost or damaged at the same time;

III) Non-appearance of the Bride or Bridegroom at the ceremony due to disinclination to marry. The Insurer shall not be liable to make any payment in respect of or consequent upon death, injury, illness, disablement or compulsory quarantine of:

a) any person occurring or arising or a consequence of self-inflicted injuries, alcoholism, insanity or influence of drugs or engaging in military operations or aviation (other than as a fare-paying passenger in a fully licensed passenger carrying aircraft), engaging in hunting, winter sport (other than curling or skating),riding or driving in any kind of race or endurance test (or practice thereof) cave exploration, sky diving, or other hazardous activity;

b) any person who has received a terminal diagnosis prior to signing of the application;

c) any female caused or contributed to by pregnancy commencing before the date of issue of the policy unless the expected date of confinement is more then two months after the wedding date;

d) the Bride or Bridegroom if they have booked, arranged or commenced the wedding or reception against the advise of any medical practitioner;

e) any person attributed to H.I.V. (Human Immune Deficiency Virus) and/or any related illness including A.I.D.S. (Acquired Immune Deficiency Syndrome) and/or any mutant derivative(s) thereof however caused.

(IV) CONDITIONS

a) Upon the happening of any occurrence likely to give rise to a claim hereunder the Insured shall as soon as possible notify the Insurer in writing and shall give particulars and information as required by the Insurer.

b) The Insured Bride and Bridegroom and all their relatives shall take all reasonable precautions and actions to avoid loss, destruction, damage, accidents and expense to minimize any claim under this section and shall make every effort to arrange an alternative venue for the Wedding or Reception and obtain alternative bridal attire.

c) As soon as possible after sustaining any injury or the commencement of any illness the disabled Bride, Bridegroom or relative must place themselves under the care of a duly qualified medical practitioner whose advise they shall follow. The disabled person shall submit to any medical examination made on behalf of the Insured and in the event of death of any such person, the Insurer shall be entitled to make a post mortem examination at the Insurer's own expense.

SECTION 2 - WEDDING PHOTOGRAPHS

a) non-appearance of the booked photographer;

b) loss of, damage to, or non-development of the negatives.

The term "Extra Expense" wherever used in this Policy is defined as the excess (if any) of the total cost over and above the total cost predetermined for the wedding photographs that result due to:

              a) non-appearance of the booked photographer;

              b) loss of, damage to, or non-development of the negatives.

SECTION 3 - BRIDAL ATTIRE

SECTION 4 - WEDDING PRESENTS

DEDUCTIBLE CLAUSE

a) Money, securities, notes, accounts, bills, evidences of title, evidences of debt, letters of credit or other documents having a negotiable or market value;

b) Furs, fur garments, jewels, jewellery, watches, pearls, precious and semi-precious stones, gold, silver, platinum and other precious metals and alloys;

c) Licensed automobiles, trucks or motorcycles, aircraft, watercraft;

d) Realty

PERILS INSURED

a) Fire;

b) Lightning;

c) Windstorm;

d) Hail;

e) Explosion;

f) Impact by Aircraft;

g) Impact by Vehicle

h) Collision, derailment or overturn;

i) Earthquake

j) Flood;

k) Burglary, meaning felonious entry into a building by actual force or violence of which force and violence there shall be visible marks upon the premises at the place of such entry;

l) Theft;

m) Riot, Vandalism or Malicious Damage.

PERILS EXCLUDED

a) mysterious disappearance or any loss or shortage on taking inventory;

b) mechanical breakdown, latent defect, inherent vice, gradual deterioration or wear and tear;

c) misappropriation, secretion, conversion, infidelity or any dishonest act on the part of the Insured or any person or persons to whom the property may be entrusted;

d) damage caused by war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military power; nuclear or radioactive contamination.

SPECIAL CONDITIONS

APPLICABLE TO SECTIONS 3 AND 4

PAIR AND SET

a) the actual cash value of the property at the time of loss;

b) the interest of the Insured in the property;

c) the sum set opposite the applicable coverage shown on the declaration;

d) the sum shown on the receipt submitted at time of loss.

SECTION 5 - HONEYMOON CANCELLATION INSURANCE

COVERAGE: The Insurer will reimburse the Insured as stated in the application, if the

CONDITIONS: To substantiate a claim for non-refundable costs, the Insured Person