Most weddings cost far more than you would spend on a decent saloon car. It’s unthinkable that you would drive your brand new car without insurance cover, yet so many couples take a bigger financial risk by not insuring their wedding costs against the risk of total loss. By comparison to cars, house content, possessions, valuables, etc., wedding insurance costs very little for comprehensive cover. The relatively small premium for wedding insurance will give you peace of mind as you plan for your wedding.
Wedding insurance policies give a wide range of cover for many eventualities that could affect your wedding day. However, it is unlikely that small, irritating events would be included in the cover, such as rainfall, cloud, etc. but stronger weather forces that affect the wedding day almost certainly would, such as floods, landslides, earthquakes, etc. If adverse weather or other unpredicted events were to cause your wedding or reception venue to close or become inaccessible then your wedding insurance policy would provide a suitable level of cover. The same policy would cover unpredictable events with the wedding car supplier or the caterer or even if the bride or groom should sustain an accident which caused the wedding to be cancelled for the planned date. A low premium insurance policy to cover all of the wedding day suppliers and events will compensate for those unexpected situations that can leave you seriously out of pocket.
When you start to plan the wedding arrangements most couples wouldn’t consider including insurance as a part of their list – but you should! When you have set your wedding date and you start to book the suppliers for your wedding you are starting to make financial obligations for the big day – at that stage you should have your wedding insurance in places as well. This will give you a maximum period of cover for your insurance fee as well as adequate cover should anything go wrong in the period leading up to your wedding day that may leave you financially disadvantaged.
A good wedding insurance policy will include the following items in it’s cover: cancellation of your wedding (check the applicable clauses, it’s unlikely a change of heart will be covered!), wedding rings and jewellery, the wedding dress, attire purchased for the groom, best man, bridesmaids (if formal attire is to be hired, check insurance liability with the supplier), cancellation of the wedding and reception venue(s), catering supplier, wedding florist, personal accident of the bride or groom causing disruption of your wedding plans, public liability cover (check that your wedding and reception venues carry public liability cover for your guests whilst on their premises), personal liability and legal expenses for the bride and groom, cancellation or failure of wedding cars, accidental damage to your wedding cake, wedding photographer (ensure that provision is included for any possibility of your photographs being destroyed), wedding gifts (including an amount to cover cash and vouchers received).
Don’t forget insurance cover when planning your honeymoon. The honeymoon insurance is normally covered by travel insurance offered by the travel agent or available through insurance brokers, it is unlikely that honeymoon insurance would be included in a wedding insurance policy. One item that is often overlooked is cover in the event that the honeymoon is cancelled due to the wedding not taking place – neither the wedding insurance nor the travel insurance is likely to cover such a risk – so it is worth considering taking out a separate insurance cover for this specified risk (the insurance premium for such a policy is likely to be very small and may even be able to be added onto your wedding insurance cover as a specific item).
Planning and organising your wedding can be a very enjoyable experience, leading up to one of the most exciting and important days of your life. No one expects things to go wrong, and they rarely do, but you should have the reassurance of wedding insurance to give yourself peace of mind over any unexpected or unpredictable events that could disrupt your wedding day. When you start to plan your wedding day and book the suppliers, take out your wedding insurance policy at the same time. This gives the maximum period of cover and means you can concentrate on your wedding whilst you have the reassurance that the whole event is covered by your wedding insurance policy. Enjoy planning for the big day and your wedding day itself – congratulations, it’s one of the most enjoyable days of your life.
Source by Steve Shaw
