Motts Godwin Insurance Services

	Features and benefits included automatically	Significant exclusions or limitations
Cancellation	Provides cover for your irrecoverable costs incurred as a result of the unavoidable cancellation of the bar/bat mitzvah for reasons beyond your control.	Pre-existing medical conditions or any ongoing medical condition, or condition which has required medical treatment (including consultations or advice). Unemployment other than redundancy (see section 1 of policy wording). Adverse weather conditions if cover is taken out no less than 14 days prior to the bar/bat mitzvah date, subject to underwriters discretion. We will not cover any claims directly or indirectly caused through war, terrorism, invasion, or civil war.
Rearrangement	Provides cover for the additional costs incurred to enable the bar/bat mitzvah to take place on the planned bar/bat mitzvah date.
Public liability	Provides cover for your legal liability to pay damages, claimants costs and expenses which arise as a result of and in connection with the bar/bat mitzvah.	The first £250 of each and every claim. Any wilful or malicious act, any act of vandalism, deliberate acts resulting in material damage or bodily injury.
Ceremonial attire	Provides cover for loss of, or damage to, ceremonial attire for the bar/bat mitzvah party.	Loss or damage by theft or attempted theft of ceremonial attire left at the bar/bat mitzvah venue, unless there is evidence of violent, visible and forcible entry thereto. Loss or damage resulting from natural aging, wear and tear, gradual deterioration or an inherent defect. Loss or damage caused by cleaning, dyeing, repair or restoration.
Photographs and videos	Provides cover to retake the bar/bat mitzvah photographs or video, or for any failure of the professional photographers services.	Losses recoverable from any other source. Losses arising from the services of non professional and contracted photographic or video services. Losses arising if less than 75% of the photographs or videos are paid for and not provided by the professional photographer or video operator.
Failure of suppliers	Provides cover for the irrecoverable and additional costs following the financial failure of a supplier.	Any costs which would have been incurred had the original supplier not ceased trading. Contracts which were are not in writing. Any known financial problems prior to taking out the insurance.
Presents	Provides cover for loss of, or damage to, the bar/bat mitzvah presents occurring seven days prior to the bar/bat mitzvah.	Losses not reported to the police within 24 hours of discovery. Theft unless removed by visible and forcible means. Loss or damage by theft or attempted theft of bar/bat mitzvah presents left at the bar/bat mitzvah venue, unless there is evidence of violent, visible and forcible entry thereto. Financial failure of a bar/bat mitzvah gift company from which bar/bat mitzvah presents have been purchased but not yet given.

Additional Cover

The following cover is only applicable if you have chosen to add it to your policy and it is listed in the schedule.

	Additional cover	Significant exclusions or limitations
Bar/bat mitzvah equipment	Provides cover for the loss of, or damage to, marquees and other associated bar/bat mitzvah equipment.	The first £250 of each and every claim. Erection and dismantling of hired equipment. Theft or attempted theft unless there is evidence of violent, visible and forcible entry thereto. Loss or theft from unattended vehicles. Any wilful or malicious act, any act of vandalism, deliberate acts resulting in damage to the bar/bat mitzvah equipment.