For many brides, the item that most often gets scratched off the checklist is purchasing wedding insurance. Planning a wedding is supposed to be a joyous occasion so why do we need to plan for a disaster? There are many reasons for purchasing wedding insurance (see below) and according to research done by Insurance company, Ecclesiastical, the top five claims for wedding insurance are:
"1. Damage to the wedding dress, jewelry, or outfits
2. Cancellation
3. Problems with the venue
4. Problems with suppliers, such as caterers and transportation
5. Damage to the photographs"
Purchasing wedding insurance is very important and something you will want to do early in the planning process. It's not pleasant to think about the possibility of something going wrong on the biggest day of your life but you do want to know that you'll be covered in worst-case scenarios.
Weather is unpredictable, transportation might not show up, businesses may go bust, wedding outfits are expensive, thieves never rest, double bookings can't be worked around, people get ill, people pass away, and worse, someone might blame the bride and groom for something that goes wrong (think a slip and trip that leads into a hospital visit).
Work closely with your wedding planner or insurance broker to find a plan most suitable to your wedding requirements and budget. The wedding insurance can protect you in a legal lawsuit and it can also provide cover for dissatisfaction with vendors and cover in the event that a guest(s) gets hurt. The cost spent on wedding insurance is minuscule in comparison to the time and money spent on your wedding. Having this peace of mind is extremely important and will help you relax and enjoy your wedding planning process and your wedding day to the fullest.
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