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25.04.2013 – Insurance tip

Now it starts again: the wedding season. Because the warm season between May and August is particularly popular with those willing to marry to give the vow. 1 But beware: Anyone who dares should also think of possible consequences in the wet-happy celebration. If damage occurs at a bachelor party and wedding party, the right insurance coverage is important.

pressefoto-wedding marathon-integrated in-text

A bachelor party, stag party, wedding party – who enters into the covenant for life is not always a true party marathon. Even before the wedding, the celebration begins when the bride and groom finally say goodbye to the bachelor party. But if it is too high, bachelor party and wedding party can leave unwanted traces – and that can be expensive. Insurance expert Bernd Kaiser from CosmosDirekt gives tips on how the festivities go smoothly and what insurance pays, should something go wrong.

Bachelor party: If you look too deeply into the glass, you risk your insurance cover
Before it gets serious for the bridal couple, for many a boisterous bachelor party is a must. Here, according to experience, a lot of alcohol flows – this is not always without consequences. "Anyone who injures himself while partying in the heavily intoxicated state must expect that Private Accident Insurance will refuse service because of an alcohol-related disturbance of consciousness," says Bernd Kaiser.

pressefoto-wedding marathon-integrated in-text

Similarly, when it comes to alcohol at the wheel: If a driver with alcohol in the blood causes a traffic accident, the motor liability insurance pays the damages of the victim. Depending on the alcohol level, however, the motor third-party liability insurer will claim back part of the costs from the driver of the insured car. "In addition, the hull insurer has the right to cut its performance partially or completely," said Kaiser. Tip: After a frolicsome party night, a taxi is your best bet.

Wedding eve and wedding party: shards bring luck – almost always
Table-breaking is often celebrated on bachelor parties or wedding celebrations. Because "shards bring luck", so the vernacular. But not if it scratches the floor. Even cigarettes or fallen candles leave their mark at parties. "Such damage is a case for the private liability insurance, as well as burn marks by sparklers," says Bernd Kaiser. Tip: Drowsy light and glow sticks are not as romantic as candles, but they are easy on the floor. And dishes rattling outside anyway most beautiful.

Wedding night: About detours to bed
Pranks on the wedding night are an old tradition, ranging from locking the bedroom door to barricading the bed. The imagination knows no limits. "With wedding prank the insurance situation is however clear," says expert Bernd emperor. "If damage is caused intentionally, the private liability insurance does not pay." Tip: Under no circumstances dirty, stick or destroy furniture or wallpaper. Not only the purse, but also the bride and groom will be grateful.

  • Tips for Ja-Sager: survive the wedding marathon unscathed 90 KB

  • 1 www.destatis.de

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Stefan Gobel

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0681-9 66 66 62

presse@cosmosdirekt.de

Ina Pfeifer

0681-9 66 71 83

0681-9 66 66 62

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