When you are getting married the last thing you want to do is to put the speck on the big day and many people believe that by taking out wedding insurance they will do just that.
However you may wish to forget about superstition and consider paying a premium for insurance as when you consider how much you may lose if the worst happens you could lose a great deal of money. So what does a policy cover and how may you benefit?
The typical policy may cover the following, however bear in mind that it will depend on the actual provider of the insurance and the benefits of insurance may vary as will the terms and conditions.
- Protection against the vendors letting you down
- Insurance for damage to the wedding dress
- Liability cover
- Protection against the venue letting you down
- Cover for the wedding cake
- Protection for the wedding rings
- Cancellation or postponement of the wedding
As mentioned before the above may or may not be included in your policy or you could have many more benefits in your insurance. Therefore shop around for insurance and compare not only the cost of cover but also what you get for your money.
Why might you need cover for the above? We'll take into account the following scenarios;
You have booked the ideal venue for your romantic wedding, you have always dreamed of such a place and now you have found it your wedding will be perfect. However horror of horrors when you call the venue a few days before the wedding you find that the venue has suffered a fire and your wedding reception has been cancelled. While you might be disappointed, if you have insurance you may at least be protected financially and all you have to do is to find another place quickly. At least you would not have lost out on your deposits or even the total amount.
Imagine your flowers not turning up at your wedding. This may happen if the florist has gone out of business. Your flowers could turn up but they are not what you expected or ordered and the florist refuses to do nothing about it. Your insurance is there to call on and help you out financially.
Your cars may not turn up, they could be late which makes you late and your wedding has to be postponed. Your wedding cake might be dropped on its way to the reception or they company may go out of business before the big day.
Any of the above scenarios could occur if you are unlucky and it would cost you a great deal of money if the vendors will not do anything about it. However if you had searched around and compared UK wedding insurance policies you at least do not have to suffer financial loss along with worry and heartache on your big day. Do not let superstition stop you from spoiling what should be the very best day of your life.
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