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scroll down the page to read the complete article or click on
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section you are interested in.
Why
insure your wedding
What's covered
What isn't covered
When should you take out cover
Wedding insurance providers
Wedding
insurance is an item often overlooked when couples plan their wedding,
but how much would you stand to lose if you had to cancel your wedding
because for example one of you were made redundant? Or because you
or a close family relative were too ill or injured to attend your
wedding? If you had to cancel, you would certainly lose any deposits
you have paid and contractually, you could be sued for a substantial
part, if not all, of the balance owed.
What
if a supplier goes bust holding your deposit and to add to your
loss, you have to make alternative arrangements at a higher cost?
Your wedding dress, rings or wedding presents could get lost or
damaged. Your wedding or reception venue could close down. These
are just some of the things that could go wrong and you can probably
think of many more that would result in you having to either suffer
a loss or paying out more.
The
realities of life are that accidents and thefts can and do happen
and companies can go bust. If you take a moment to work out what
you could lose, you will no doubt agree that taking out a wedding
insurance plan, which can cost as little as £50, is a worthwhile
expense for peace of mind.
A
standard wedding insurance plan will usually cover the following
risks:
Cancellation
(up to £2,500) |
Reimbursement
of expences incurred because of the necessary cancellation
of your wedding or wedding reception due to most reasons such
as:
 Death, injury, illness or redundancy.
The venue is unable to hold your ceremony or function.
Loss or damage to your, your partner's or your bridesmaids'
wedding attire.
Wedding transport not appearing.
Members of the Armed Forces unexpectedly posted abroad. |
Wedding
Attire
(up to £1,000) |
Loss
(either deposit or total) or damage to you, your partner's
or your bridesmaids' wedding attire. |
Wedding
Presents
(up to £1,000) |
Loss
or damage to your wedding and attendants' presents in your
possession within 24 hours before and after your wedding. |
Photographs/Video
(up to £1,000) |
Reimbursement
of expenses to retake your photographs or video if the photographer
or videographer fails to appear or the negatives or original
tape is lost. |
Wedding
Rings
(up to £500) |
Loss
or damage of your or your partner's wedding ring during the
7 days prior to your wedding (usually split £250 for
each ring). |
Loss
of Deposits
(up to £1,000) |
Reimbursement
of any deposits paid for goods and services for your wedding
or reception as a result of the financial failure of the supplier. |
Public
Liability
(up to £1,000,000) |
Payment
of your legal liability for injuries to persons or damage
to property during your wedding and reception.
Please note, policies vary for tent and marquee cover. |
The
levels of cover mentioned for each item above are the usual sums
for a standard policy. Higher sums are usually available by payment
of additional premiums.
There
are usually four main exclusions:
Circumstances
known to you when you took out the policy.
Disinclination
of you or your partner to marry.
Lack
of funds (other than redundancy after the policy is taken out).
The
first £25 of each claim under each section.
But
do check the policy carefully for any other exclusions.
Our
advice is to take out wedding insurance as soon as you know the
date of your wedding. Therefore, any expenses or commitments you
make will be covered in the event of misfortune.
You
can still take out a policy after you have started paying out for
deposits or committing yourself to financial obligations, but you
run the risk of not being covered should anything untoward happen
before you take out a policy.
Confetti
offers complete
wedding cover from only £54! To view the web pages of
companies supplying wedding insurance plans, please visit our wedding
insurance page in our products
and services section.
If
you still have any unanswered questions about insuring your
wedding, please post your question on our
Wedding Forum.
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