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Wedding Insurance
Like a house or a car most people would not consider buying
one without taking out insurance,
many people take the same approach to planning their wedding.
Your wedding day is supposed to be the happiest day of your life, however, even with months of careful planning things could still go wrong. Whilst wedding insurance can't always prevent things going wrong, it can cover your financial loss.
Do I need to take out wedding insurance?
Well only you can answer that question really. But here is a list of some of the reasons why more couples are choosing to take out wedding insurance cover:
- Losing the wedding rings
- Wedding dress gets damaged
- You have to postpone or cancel your wedding because of accident of illness
- Reception venue goes out of business
- The photographer/videographer fails to turn up to the church/venue
- Wedding transport fails to arrive
If you do choose to take it out, get more than one quote in the same way you would if you were taking out an insurance policies on anything else, in order to get the best deal.
Make sure you know exactly what is and what isn’t covered in the policy you take out.
E&L Wedding Insurance
The following is taken from the E&L Wedding Insurance website >>. It provides a good overview to what most wedding insurance polices cover. If you wish to purchase your wedding insurance from E&L, where premiums start from just £26, you can do so here >>.
Cake
For Loss or damage seven days prior to the wedding and up until the reception begins whilst at your home/parent's home/reception/or in transit between these locations.
Cancellation and Expenses
For all irrecoverable expenses in respect of catering, accommodation, transport, flowers, photographs or hired attire incurred due to unexpected cancellation or curtailment, including re-arrangement expenses to avoid cancellation.
Delayed Travel
Compensation or costs incurred following unexpected and unavoidable travel delay. Overseas weddings only.
Legal Expenses
Legal costs and expenses incurred by you in defence of a claim for breach of statutory duty arising from the wedding or reception.
Luggage and Property
Loss or damage on the day of the reception at your home/parent's home/reception/or in transit between these locations.
Personal Accident
For accidental bodily injury resulting in death or permanent total disablement.
Photographs
For all expenses incurred in the retaking of the official photographs due to loss or damage of film, faulty materials or non-appearance of the professional photographer.
Presents
For Loss or damage seven days prior to the wedding and up to 24 hours after the ceremony reception at your home/parent's home/reception/or in transit between these locations.
Professional Counselling
Cover for the cost of GP recommended counselling should your wedding be permanently cancelled due to either of the couple's death or either party electing not to proceed.
Public Liability
Legal liability to a third party for the damages and costs arising from an incident at your wedding, reception or evening function.
Rings
For loss or damage occurring within seven days of the wedding.
Supplier Deposits
We will cover your non-refundable deposits, in the event of financial failure of the suppliers or if the entertainers fail to appear.
Video or DVD
For all expenses incurred in the retaking of the official video/DVD due to loss or damage of film, tape, disc, faulty materials or non-appearance of the video/DVD operator.
Wedding Attire
For loss or damage while in your possession and occurring prior to the wedding commencement (unless hired - max. 48 hours after commencement) or financial failure of your suppliers.
Wedding Cars and Transport
Failure of transport due to breakdown, accident or non-appearance when a contract is in force.
Wedding Documents
Loss or damage to documents within seven days before and after the wedding.
Wedding Flowers
For Loss or damage seven days prior to the wedding and up until the reception begins whilst at your home/parent's home/reception/or in transit between these locations.
Wedding Stationery
Cost of replacement due to loss or damage.
Premiums start at just £26 with E&L Wedding Insurance - check them out today >>
