What is generally covered under a wedding insurance policy?
- Cancellation or rearrangement - If the wedding or reception is cancelled or rearranged due to illness, accident or bereavement of a member of the main wedding party then any loses incurred will be covered.
- Failure of suppliers - Cover for costs involved in making alternative arrangements if a supplier goes bust or fails to fulfil their contractual obligations.
- Wedding outfits - Cover for loss or damage to wedding outfits belonging to the bride, groom or members of your wedding party.
- Wedding cake and flowers - Cover for loss or damage to wedding cake and flowers.
- Wedding cars - Costs involved if a car hire firm fails to meet their contractual obligations.
- Wedding photography and video - Cover for expenses incurred in the taking/retaking of photographs or videos if the professional photographer does not turn up or photographs/videos are not delivered.
- Wedding rings - Cover for loss or damage to wedding rings
- Wedding gifts - Cover for loss, damage or theft of wedding gifts prior to and during the wedding.
What additional cover is available under a wedding insurance policy?
- Cover for marquee hire
- Overseas weddings
- Personal liability and legal expenses
What is generally not covered under a wedding policy?
- You change your mind
- Can't afford to go ahead
- Damage to wedding attire due to cleaning
- Theft other than specifically stated in the policy
How is the cost of wedding insurance calculated?
Generally the cost of a policy will be dependent on the level of cover you require. John Lewis wedding insurance, for instance, offer six levels of cover with premiums starting as low as £58.
So is wedding insurance worth buying?
I would say a resounding yes! To sleep at night knowing that your preparations and hard earned cash are protected if a disaster happens is well worth the reasonable premium you will pay.
image -freedigitalphotos.net
