E and L Wedding Insurance www.eandl.co.uk

I took out band 5 insurance for my wedding. When I was booking it there were no mention of exclusions until they sent the policy information, after which I did not really pay a lot of attention to (very wordy and I was hoping to never need it). When the groom had a mental breakdown and cancelled the wedding due to stress I was told that this wasn't covered in the policy and they would not pay out at all. On further investigation into the exclusions - there are loads! Much more than circumstances that are covered. They were very unhelpful and I would not recommend them to anyone.

I am about to cancel our insurance because they cannot get the initial details correct and their communication is zero..

They have got our bank details incorrect twice and so they cancelled the policy..then reinstated it when I eventually got through to them on the phone and now its incorrect again!

They send out e mails saying 'check the attachment' but with no information regarding what it is about.

They do not reply to e mails.

I took a policy online with E & L Wedding Insurance for my daughter's wedding, when the premium appeared on my credit card statement they had taken too much. I tried to phone and the only time I got an answer was at 2.45pm on a Tuesday afternoon when I was told they were closed and to phone back later. I emailed , faxed and wrote to them, but had no response at all. In the end I applied to my credit card and they arranged a full refund for me. I took out a policy with another company , I phoned this new company and had spoke to a lady straight away so I knew this company were contactable. It only cost me £3 more but at least I have confidence in this company. If I couldn't make contact with E & L to discuss the premium what chance would there be of them paying out on any claim. Since I took out the policy with E & L I have seen loads of bad reviews online so I am not an exception. The reason you take out wedding insurance is for peace of mind should the worse happen and this company does not provide that. Look elsewhere

I insured my Daughters wedding with E&L Wedding insurance, unfortunatley the couple have had a change of heart and I have already paid out £3000.00 in deposits, to Hotel, Photographers, Dress & Stationary. When I phoned to see if I was covered I was told they do not insure for "Change of Heart".I thought the whole idea of insuring the wedding would be to take into account that these things do happen.

I have paid 3 times for my wedding insurance with this company and have now received 3 letters confirming that the payment has been rejected. I have spoken to my bank who has confirmed that there is no problem with this payment as money is in my account so the problem has got to be their end. Now I know why their insurance is so cheap - going to cancel this policy and use another provider as I don't need this hassle whilst trying to organise my wedding as well. If anything did go wrong as per the other posts there is no guarantee that they would pay anyway !

I insured my daughters wedding with E and L. It was held on 18th. December the day the snow came down. Less than half the guests managed to get to Church or Reception. Video pphotographer was late arriving, flowers did not arrive, bride went to Church in 4 x 4. Vicar was stand in as original Vicar could not get there. All guests that did arrive left immediately after meal as they were frightened they would not get home. E and L paid £100 goodwill gesture. Horrified and taken claim to ombudsman. DO NOT USE THIS COMPANY

This company never read the FSA regs to you when you rang & couldnt process my payment after several attempts. I was very worried when I rang & was given someone elses bank details on my account. After deciding to let the policy lapse and 6 months later E & L too £225 out of my bank account without notification it took them 3 days to refund me the cash after they said it was a technical glitch. Horrendous service! If they cant take a payment how on earth could they process a claim? 0/5 if I could!

ABout to cancel my cycle insurance with this company.

Took it out as they seemed perfectly ok, but I am now discovering that they clearly are not.

Received a letter today 15/6 telling me that there were policy enhancements available, assumed it was just offering me a better policy so went to throw it in the bin. Only when i read it very very carefully did i discover that unless i contacted them in writing or by phone, these enhancements would be automatic, and they would increase my direct debit from the 7th July. (Just three weeks notice).

I wonder how many people even bothered reading the letter properly or just threw it straight in the bin and are now going to have increased premiums put on them without their knowledge.

It said in the letter, write to us using the enclosed prepaid envelope. Guess what, no prepaid envelope enclosed. I am leaving today. If they are willing to act like that I dread to think how difficult they would be to get money out of in the event of any claim.

AVoid this company.!

I was looking for wedding insurance and was told that E&L would cover it so thought I would take a look. Having experienced E and L with horse insurance in the past I was sceptical and having read the reviews here have discovered they treat their bridal customers much the same as their equestrian ones!

I will be looking elsewhere.

Only rated as unable to pass a 'no comment'

We had to rearrange our wedding with just a few weeks to go as the venue went bankrupt, we really couldn't afford the extra costs as we had already paid registras, room hire and other deposits - but we were fully insured for the extra costs, so we thought. To save money on the re-arrangements we even cut back on or cancelled lots of the things that make a wedding special, like the hen party, having my hair & makeup done, chair covers, bridal flowers and buttonholes (I had to take an extra holiday from work and do my own) and some of the entertainment. The whole thing has been extremely stressful, but 3 months following our claim all we get, when we call, is that the "claim is being processed". We have not had a written acknowledgement of any email or letter that we have sent to them, to date, and after reading the reviews online I suspect our only choice is to follow up with the threat of solicitors or ombudsman, as if we hadn't had enough to contend with. I really hope no one else insures their wedding with

E and L - this is just too important a day for it to be spoiled like this. The computer has made me give them a one star rating, I would prefer to give them NONE.