What is Wedding Insurance And What Does It Cover?
Do I really need wedding insurance?
Most people are confident that their wedding day will run smoothly with perhaps only a minor hiccup. Indeed, most weddings do. However, as with all things, there is a certain element of risk involved. Nowadays, the average wedding in the UK costs around £21,000, which is quite a lot of money for most people. Even those that haven't spent as much have still invested a great deal of time and effort in their preparations. It's for these reasons that many people look for something to cover them should something go wrong on their big day.
Whether it's something minor like a ripped suit or something major such as having to re-arrange the whole day as a result of illness, wedding insurance provides the financial peace of mind that should something go wrong, you should at least not be out of pocket.
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“I'd never heard of wedding insurance before. It's great knowing that our special day is covered.”
What is covered by Wedding Insurance ?
Some people might be apprehensive about what exactly the insurance covers and might be concerned that if they make a claim for something, the insurer may not pay out.The important thing is to read the policy document carefully before you purchase your wedding insurance to make sure cover provided is suitable for you and meets your needs.
Here are some examples of the things that wedding insurance might cover:
Cancellation due to weather disturbance
Wedding insurance might provide cover for the cancellation of your wedding due to bad weather such as flooding, hurricanes, earthquakes or snow. However, some policies may only cover the rebooking fee. This means that the wedding will be rescheduled and the insurance only has to reimburse the costs of rebooking.
Illness or injury of a close relative
If a close relative is injured or ill, wedding insurance may provide compensation for the wedding to be rescheduled for a later date.
Damage to wedding attire
If the Best Man has a bit too much to drink and damages his hired suit, you'd need to pay to have this repaired. Wedding insurance should cover the cost of this. Or what if someone spills red wine over the Bride's dress? Your wedding insurance policy should pay to have the dress professionally cleaned.
Supplier Failure
Should one of your suppliers fail to deliver the service they are contracted to provide, wedding insurance might be able to help out. Examples of this might be if a company goes into liquidation or just does not show up on the day. For things like photographs, wedding insurance might pay for you to re-stage the wedding so that photographs can be taken.
It's clear that wedding insurance is important. Given how small the premiums are in relation to the total amount being spent on your big day, it's certainly worth looking at buying a wedding insurance policy.
“Our photographs went wrong but our wedding insurance paid to for them to be retaken.”
Comparing Wedding Insurance Policies
It's easy to compare wedding insurance policies online. You can use the comparison table on www.compareweddinginsurance.org.uk to compare policies and premiums available from leading UK wedding insurance providers. Find the right policy for you and easily buy online in a few simple clicks of the mouse.
There are also a number of customer reviews of leading UK providers:
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