With the average wedding costing £14,500 and frequently taking months and months of planning, it can be devastating to learn your big day cannot go ahead without any sort of compensation.
The last thing you want to worry about when planning a wedding is any unforeseeable mishaps that just may taint what is going to be the best day of your life.
What’s covered? From a ripped wedding dress to loss of the all-important rings, no-one can predict how your day could go,therefore, taking out wedding insurance can be important to cover your wedding financially if your big day is ruined, postponed or cancelled.
Traditionally, wedding cover includes the loss or damage of wedding attire, presents, wedding cake, rings, flowers, photographs, cars or gifts from your guests, but packages can be customised to include exactly what you need.
If your wedding does not go ahead at all due to weather, illness or bereavement, insurance can make sure you get your money back to help re-arrange the big day. The beauty of wedding insurance is that you can tailor it to your wedding, allowing it to cover whatever you may be worried about.
Is there a value you’d recommend for a wedding to cost to make buying insurance worthwhile?
It is recommended that insurance should be taken out for any size of wedding – many venues now require that the couple obtain their own public liability cover, and we include £5million as standard within our £51 policy. As well as covering deposits, cancellation or failure of suppliers, our policy also covers wedding rings, photography, cakes, and even wedding presents.
Are there any common exclusions or limitations to the policy?
You cannot claim for a pre-existing situation which you knew about before you took out the policy and claims after the bride and/or groom deciding not to go ahead with the wedding are also excluded. Honeymoons will need separate travel insurance, while certain activities that take place on the big day such as a fireworks display may also need a separate insurance policy.
When should people buy your wedding insurance?
You can arrange your insurance at any time right up until about 24 hours before the event. Most people
usually purchase their insurance once they have booked their venue, and in the first instance, it’s to protect themselves against loss of deposits if a supplier goes into administration before the event.
If a customer has already booked and paid for all of the elements of their wedding and then bought their insurance, they would still be covered up to the total value of the sums insured.
Before I buy?
It is worth taking note that before taking out wedding insurance, you may want to check what your existing insurance policies cover. If you pay anything between £100 and £30,000 on a credit card, you can claim any money back from your provider under Section 75 of the Consumer Credit Act if, for example, you lose the deposit or the venue supplied goes out of business.
The decision to attain wedding insurance is certainly recommended, starting from around £50, insurers like Events Insurance Services can cover as little or much of the wedding as you desire to ensure a smooth running of your perfect day.
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