Peace of mind doesn’t cost very much. Taking out wedding insurance might be the best investment you make. Think about it, you wouldn’t dream of buying a new car or jetting off on holiday without getting insurance. You insure yourself for a city break to Paris without a second thought, so just consider how much you are spending on your wedding – both in terms of time and money – and cover your big day. Here’s why you should insure your wedding.
Your wedding is a big event and there may not be a single day in your life that is more carefully planned. Unfortunately, however well you plan your wedding, things can and do sometimes go wrong. A supplier could go out of business, your dress could get damaged, the wedding rings could get lost or the photos might not develop correctly.
Of course you don’t want to think about mishaps on your wedding day, but you will feel more comfortable knowing that you are covered for a range of instances such as accident, illness and other circumstances beyond your control.
Take a look at the top 10 wedding claims to see why you can’t not to take out wedding insurance:
Liquidation of the wedding dress shop
Damage to the wedding dress
Theft of wedding gifts
Cancellation due to illness
Liquidation of the venue
Problems with the photos
Damage to attendants’ clothing
Loss of wedding rings
Personal liability – damage to tablecloths etc.
So what’s usually included?
Rather like household insurance, policies differ considerably but can include:
Cancellation – even through redundancy
Damage to marquees
Photography, including failure of prints
Legal expenses for contractual disputes
There are no policies we’re aware of that will insure you against a change of heart on either side. The best policy for protecting against this remains being absolutely sure of what you both want when you get engaged. Finally, try to remember there are few disasters that can’t be resolved, cold feet are common and it’s natural to ask yourself searching questions before you take such a bold step but whatever happens, it’s good to know you can have peace of mind when you take out wedding insurance.
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