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Should I get wedding insurance?

The church is booked, the dresses made and the cake is on order – everything is in place for your big day and all you need now is for everything to run smoothly with no last minute disasters. But with couples reportedly now spending an average £14,500 on their big day, should you consider adding wedding insurance to the budget?

What is Wedding Insurance?

Wedding insurance can protect you against a range of unfortunate events so that you don’t end up out of pocket as well as upset. Policies should pay out, for example, if you have to cancel the wedding for unavoidable reasons, such as injury to the prospective bride or groom.

However, whether or not to get insured will depend largely on how much your wedding is costing and how concerned you are that something might go wrong. As with all insurance policies, you’ll need to read through your documents carefully to check the excesses and exclusions to see what you will actually be covered for.

You may already have cover

wedding insuranceBut before considering taking out wedding insurance at all, it’s worth checking any cover you may already have. For example, credit cards can offer protection on purchases of between £100 and £30,000 and money can be claimed back through Section 75 of the Consumer Credit Act. So if there’s a problem with goods or services that constitutes a breach of contract, such as your venue being double booked or your cake not arriving, you’re probably already covered. This could also protect you if you pay a deposit to a supplier who then goes bust.

You might also be able to get some level of protection from your home insurance policy. Many policies allow you to increase cover for one month before and one month after the special event, to cover gifts and sometimes items that are bought for the wedding.

Do I need Wedding Insurance?

Specific wedding insurance can be really useful to cover loss or damage to possessions such as the wedding dress or suits, presents, the cake, rings and flowers. Unless you know you’re insured via your home insurance or have paid for the wedding on credit cards and therefore covered under their protection, wedding insurance can provide you with peace of mind that if suppliers double book, go bust, ruin your dress or should you have to totally cancel your big day, your costs are covered.

Personal liability for injury to third parties or loss or damage to third party property is another area that can be covered by wedding insurance. Although you personally may be covered for this under your home insurance, some more specific policies can cover the actions of guests as well as the happy couple.

Some wedding insurance policies even offer additional cover for things like legal expenses if a dispute with a supplier ends up in court, personal accidents and stress counselling if your wedding didn’t have the happy ending you were hoping for.

 

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About Linda Ram

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