The average cost of a wedding is an outstanding £20,000. Therefore, it is easy to see why wedding insurance ought to be a priority when you begin to plan that big day.
It costs little to insure your wedding and it gives you peace of mind should something unexpected occur.
Certain policies cover you up to two years in advance of the wedding and there are varying cover levels available to meet your needs; even cheap and cheerful wedding insurance is a considered precaution.
What Does Your Wedding Insurance Policy Cover?
The majority of policies cover you whether you have a civil ceremony or a religious wedding. You are usually covered whether your wedding is taking place in the UK or overseas.
There are variations in policies; however, usually you are covered for:
- Cancellation or the rearrangement of the wedding or reception as a result of an accident, illness or death within the main wedding party
- Cancellation or rearrangement as a result of supplier failure
- Damage to any wedding attire, that is, the bride’s, the bridesmaids’ or groomsmen’s clothing
- Photographs needing to be re taken
- Wedding rings getting lost
- Cake and flowers not arriving or being damaged
- Damage of wedding car or wedding car not arriving
- Wedding video not being successfully shot
- Key documents
- Legal expenses and personal liability
Most companies permit you to opt for additional cover for extras which make your wedding that bit more special, like,
- Public liability
- Ceremonial swords
What is not covered by your wedding insurance?
It is highly recommended that you check your policy wording to check what is and what is not covered. The majority of policies exclude cover for:
- You changing your mind
- You not being able to afford the wedding going ahead
- Damage to wedding outfits as a result of cleaning