With the average wedding costing upwards of 瞿10,000 these days, insurance can be a canny thing to have, just in case something goes wrong. Most wedding insurers offer a range of packages for weddings in the UK and abroad, and allow you to pick and choose which elements you need in your policy. Wedding insurance usually starts at about 瞿15, so it's really not a great expense when you think about how much money and stress you could save if the worst happened...
Wedding insurance can cover you if...
...you need to cancel the venue, reception, ceremony, accommodation, travel etc, or if any of your suppliers cancel on you.
...you lose any non-refundable supplier deposits because of cancellation, or if suppliers fail to provide services.
...you need public liability insurance for accidents or injury to any of your guests or damage to property and equipment.
...your wedding transport breaks down, is involved in an accident or doesn't turn up!
...there is damage to or loss of your wedding photographs/negatives/equipment.
...any of your wedding gifts are damaged or broken.
...you damage/lose your wedding rings, flowers, cake etc.
...anything goes wrong with your wedding decoration, marquees etc.
...you or your partner have an accident or injury during the wedding.
...you need to cover legal expenses due to disputes or other claims.
...you damage your wedding dress (eeeeek!) or any other wedding attire, including damage to rental garments
...you lose/damage your wedding documents, passports or honeymoon tickets.
...your honeymoon flight/accommodation is cancelled or delayed.
Of course, accidents relating to your honeymoon can also be covered with travel insurance, which is another necessity in my opinion - one-off insurance is so cheap nowadays that it's pretty silly not to bother with it. This is especially true if you are getting married abroad, as the legal system and other organisational systems may be completely different to back home - having the back up of insurance can help you in a potentially stressful and traumatic situation.
If you want to give yourself a fright, then take a look at your budget and see how much money you could potentially lose if something went wrong; if you or your partner had an accident before (or during) the wedding and you had to cancel; if one or more of your suppliers/venues cancelled on you or failed to deliver; if you or your partner were suddenly made redundant or were unable to pay for bookings you've already made; if - horror of horrors - something were to happen to your precious wedding dress!
When you look at it like that, it seems like there are a lot of things that could go wrong during your wedding day! However, the majority of weddings go absolutely smoothly and there's no reason to panic... Still, for peace of mind and for an extra 瞿15-30, you can purchase wedding insurance to cover most eventualities. If you have a wedding planner then ask their opinion on the best deals, or shop around online to find a policy that suits your requirements.
And always make sure to read the small print and especially the exclusions on your wedding insurance policy to make sure that it includes everything you need, and there are no loopholes or clauses that could leave you out of pocket.
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