How much is your wedding worth to you?
The road to planning a wedding is full of pitfalls waiting to catch you out, however putting money towards wedding insurance is the last thing you want to do when you already have a tight budget. Especially with a high risk that you wont have to use it! However with the growing trend of couples booking each of their suppliers independently, there is no central point of complaint or compensation if it all goes wrong. The first thing to do is to consider the value of your wedding and to find out what is already covered by house/personal insurance. The amount of money you spend on your wedding will go hand in hand with the cost of your insurance. Do not panic however! Even if you cannot afford the highest grade insurance there are some precautions you can take. Primarily ensure that your suppliers maintain their agreement by only requesting a deposit until they have fulfilled their role, and secondly have a back up plan wherever you can!
Here are the main problems which can occur and the cover you will need:
CANCELLATION OR POSTPONEMENT: due to the venue having to cancel e.g. flooding
CANCELLATION OR POSTPONEMENT: due to the death or illness of a key member of the bridal party e.g. bride, groom, parents, guardians
WEDDING LIABILITY: Your guests might enjoy the free champagne a bit too much! If this happens they damage the venue or themselves , if you have taken insurance out, you will be covered!
Ensure against problems with your wedding suppliers such as their cancellation or if their business goes bust.
Ensure against any loss, damage or theft on the day of the wedding. Accidents do happen and things do get broken, so to cover the costs it is best to get it insured!
Insure against the Failure of Transport! Having hired your classic car, you want to actually arrive at your wedding!
Insure against damage to your dress!
Insure for the risk of your vicar not turning up!
Insure against the risk that your guests cannot travel to your wedding due to extreme weather!
There are lots of firms which you can take wedding insurance out from, for example Weddingplan and Ecclesiastial, as well as household names such as John Lewis and M&S. Different Suppliers cover different parts of weddings, so you need to find a company which covers the essentials for you at your wedding. Wedding Rings can be covered by house/personal insurance as well as gifts, flowers and cakes. If you are a savvy saver, you may already have part of your wedding covered! However… Wedding Insurance does not cover strikes, labour disputes or wedding cancellation due to work commitments!
Wedding Insurance is great if things go wrong. Think very hard about what your wedding is worth to you, and therefore the level of insurance you need. It might cost less then you think!
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