Wedding Insurance

fountain penLike 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.

Weddingplan Wedding Insurance

The following gives you an indication about the kind of things covered by Wedding Insurance and is taken from the Weddingplan Wedding Insurance website.   If you wish to purchase your wedding insurance from Weddingplan, where premiums start from just £23.99, you can do so here >>

Cake
For Loss or damage to the Wedding cake in the run up to the Wedding and up to 24 hrs after the wedding has finished.

Cancellation and Expenses
For all irrecoverable expenses in respect of catering, accommodation, transport, photographs and services from other Wedding Services suppliers incurred due the unavoidable cancellation or curtailment of your Wedding or Wedding Reception, including re-arrangement expenses to help you with the additional costs of re-arranging your Wedding.

wedding insuranceLegal Expenses
Cover is provided for legal proceedings by you or your personal representatives for
compensation and/or damages arising from or out of your injury or death.

Personal Accident
For accidental bodily injury resulting in death or permanent total disablement.

Personal Liability
Cover for your legal liability arising from accidental injury to third parties or accidental loss of or damage to third party property.

Photographs
For expenses incurred in the retaking of the photographs due to loss or damage of the original film or digital media or the non-appearance of the professional photographer.

Presents
For loss or damage to Wedding Gifts in the run up to the wedding (36 hours) and up to 24 hrs after the Wedding.

Public Liability
Cover for all person's  (invited to your Wedding or Wedding Reception) legal liability arising from accidental injury to third parties or accidental loss of or damage to third party property.

Rings
For loss or damage occurring within seven days of the wedding or within 24 hours after your wedding.

Supplier Deposits
Cover for irrecoverable deposits lost as a result of the bankruptcy or liquidation of a pre-booked Wedding Services Supplier.

Video
For expenses incurred in the retaking of the wedding video due to loss or damage of the original film or digital media or the non-appearance of the professional videographer.

Wedding Attire
For loss or damage to Wedding Attire while in your possession and occurring prior to the wedding commencement of your Wedding (unless hired - max. 48 hours after commencement).

Wedding Cars and Transport
Cover in case a transport provider fails to meet their contractual obligations.

Wedding Flowers
For loss or damage in the run up to the wedding (36 hours) and up to 24 hrs after the Wedding .

The information above is simply an indication of the kind of cover available through Weddingplan. Full terms and conditions including any excesses applicable can be seen in  Weddingplan's Wedding Insurance Policy Document which is available on their website

Wedding Insurance premiums start at just £23.99 with Weddingplan - check them out today >>