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What could go wrong, and what covers it?

Open a risk to see what can pay, what the law says and what to do. Each answer links to the full page.

Suppliers and money

A supplier does not deliver or closes down
  • The lawRefund or the service againIf a service is not provided as agreed, you can choose a full refund, a partial refund or the service done again.UAE Cabinet
  • InsuranceADNIC MabroukADNIC says its wedding policy pays if your caterer, band or florist cannot carry out their contract.Abu Dhabi National Insurance Company (ADNIC)
  • What to doCard disputeBanks set short windows: Emirates NBD 30 days from the service date, Mashreq 60 days from the transaction.Emirates NBD
The venue cancels or cannot host you
  • The lawForce majeureIf force majeure makes the contract impossible, it is rescinded automatically and both sides are restored to where they were.UAE Government
  • The lawEarnest moneyWhere a deposit is agreed as the price of withdrawing and the venue withdraws, it returns the deposit plus an equal amount.UAE Government
  • InsuranceEvent cancellationADNIC’s event form lists damage to or destruction of the venue as a cause you can select.Abu Dhabi National Insurance Company (ADNIC)
You decide to call the wedding off
  • The lawYour depositIf you withdraw and the deposit was agreed as the price of withdrawing, you lose it. A court may reduce an excessive fixed cancellation charge.UAE Government
  • InsuranceNot a listed causeThe causes on ADNIC’s event cancellation form are death, illness, travel delay, venue damage, national mourning and other perils you select. Changing your mind is not one of them.Abu Dhabi National Insurance Company (ADNIC)
  • The lawEngagement giftsIf one of you withdraws from the engagement, gifts worth more than AED 25,000 each are returned.UAE Government
A supplier will not refund a card payment
  • What to doCard disputeContact the merchant first with proof of payment, then report it to your bank within its window.Emirates NBD
  • What to doConsumer complaintConsumer Rights Dubai takes refund complaints about businesses licensed by DET. Consumer complaints are free.Consumer Rights Dubai, Department of Economy and Tourism

People

One of you, or close family, falls ill or dies
  • InsuranceEvent cancellationDeath, and accident or illness, of a person named on the schedule are causes on ADNIC’s event cancellation form.Abu Dhabi National Insurance Company (ADNIC)
  • InsuranceTravel insuranceGIG Gulf’s Travel Smart pays for a cancelled trip if you, a travel companion or a close relative dies, is injured or falls ill.GIG Gulf
You or your guests cannot travel
  • InsuranceTravel insuranceA travel policy pays only for the reasons it lists. GIG Gulf excludes supplier failure, known circumstances and pregnancy-related illness.GIG Gulf
  • InsuranceTravel delay on an event policyUnavoidable travel delay of a named person is a cause on ADNIC’s event cancellation form.Abu Dhabi National Insurance Company (ADNIC)

On the day

Rain, wind or a storm stops an outdoor event
  • InsuranceWeather extensionTokio Marine lists adverse weather as an extension, and ADNIC lists it among the other perils you select.Tokio Marine & Nichido Fire Insurance Co. Ltd
  • What to doTent permitIn Abu Dhabi a permit to install an event tent for a wedding is valid for 3 to 5 days.TAMM, Abu Dhabi Department of Municipalities and Transport
National mourning stops events
  • InsuranceNational mourningADNIC lists national mourning as a cause on its event form. Tokio Marine offers it as an extension.Abu Dhabi National Insurance Company (ADNIC)
  • InsuranceInsurance HouseIts contingency policy names weddings and the death of a ruler or other important personalities.Insurance House
A guest is hurt or the venue is damaged
  • InsuranceWedding liabilityADNIC’s Mabrouk covers your legal liability for injury to others or damage to their property.Abu Dhabi National Insurance Company (ADNIC)
  • InsuranceEvent liabilityTokio Marine covers bodily injury and property damage, and can name the venue on the certificate at no extra cost.Tokio Marine & Nichido Fire Insurance Co. Ltd
  • InsuranceHome policy liabilityADNIC HomeSafe lists personal liability from AED 100,000 in the UAE to AED 2,500,000 worldwide. Ask whether a wedding counts.Abu Dhabi National Insurance Company (ADNIC)
The entertainment permit is not in place
  • The lawDubai event permitDubai’s Department of Economy and Tourism requires a permit for any venue or organiser holding entertainment events, applied for through its e-Permit portal.Dubai Department of Economy and Tourism
  • What to doVenue termsSofitel Dubai Downtown says it may cancel an event if the permits are not in place, and estimates 3 to 6 working days for one.Sofitel Dubai Downtown

Rings, dress and gifts

A ring or jewellery is lost or stolen
  • InsuranceHome contentsAn item not listed on your schedule is paid only up to the single article limit, AED 40,000 for contents in Sukoon’s wording.Sukoon Insurance
  • InsuranceAway from homeCover outside the home applies only if it is on your schedule, needs a police report and excludes mysterious disappearance.Sukoon Insurance
The dress, gifts or photos are lost or ruined
  • InsuranceADNIC MabroukCovers ceremonial attire, rings, flowers, the cake, gifts lost through accident, fire or theft, and the cost of retaking photos or video.Abu Dhabi National Insurance Company (ADNIC)
  • InsuranceBaggage on a tripGIG Gulf pays up to USD 400 for any one article and excludes valuables left with a carrier.GIG Gulf

The legal marriage

The legal marriage date slips
  • What to doAbu Dhabi express serviceAED 2,500, processed within 1 working day, and you choose the date. The regular AED 300 service takes up to 10 working days.Abu Dhabi Judicial Department
  • What to do24 hours’ noticeThe Abu Dhabi court needs at least 24 hours’ notice if you cannot attend, or you must submit a new application.Abu Dhabi Judicial Department
A document or test result is not ready
  • What to doDocuments from abroadFor a Dubai civil marriage, foreign documents need certifying in three places and a certified Arabic translation.The Official Platform of the UAE Government (u.ae)
  • What to doGenetic testIn Dubai, results for UAE nationals take about 10 working days after both samples.Dubai Health

Sources

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