In the lead up to your big day, you may find yourself repeatedly asking, ‘have I thought of everything’? With all your plans firmly in place, you discover the day before your wedding that there’s been a fire at your venue. You may not be planning to jeopardise the most perfect day of your life, but unfortunately, other factors may. In light of the two unexpected fires at popular wedding venues, The Randolph Hotel and Clandon Park – we thought we’d highlight the importance of arranging wedding insurance.
Wedding Ideas: Insurance
Traditionally, Shrove Tuesday uses up our milk, flour and eggs in preparation for lent – otherwise known as the perfect excuse for a pancake feast. Whether you like them with lemon and sugar, fruit, Nutella or honey – there is a pancake for everyone. Why not share your pancake love with your wedding guests, and serve them on your big day.
But what happens when the rain ruins the wedding plans, and can you insure against it?
The simple answer is yes, you can, but at a cost.
First you will need to establish what losses you would like to insure against. Insuring against “lost enjoyment” would be a challenge, but if you are having a string quartet who can’t be moved inside, or a bouncy castle that can’t be used, you can cover your costs if they can’t be used. You could also cover additional costs such as hiring in umbrellas or gazebos to keep your guests or suppliers dry.
Loss adjusters calculate the policy based on the amount you are wanting to cover, and the likelihood of you needing to claim. It makes sense that if you try to take out insurance a week before the wedding, with forecasts of rain already in place, that the loss adjusters will take that into consideration!
Your standard wedding insurance is likely to cover against water damage to clothes and gifts, but check the small print as they do vary.