Wedding insurance is an additional cost to the wedding which provides protection on all aspects of your wedding this includes venue, rings, transport, gifts, cake and photography. The cover starts from putting down the initial deposits.
Most covers can start from 2 years before your wedding day but even if you have put down your initial deposits you can usually still get insurance. This will provide on the insurance provider. This is why wedding insurance is at the top of your wedding checklist while your viewing venues and setting your date.
If the wedding is a small budget wedding generally a back garden wedding or a small gathering wedding insurance is probably not the best option as there isn’t the amount to loose versus the insurance.
The insurance is designed for a medium to higher end budgets.
Every insurance will vary depending on the client and their wedding circumstances but they will generally cover the same areas. What you can claim for depends on the level of insurance purchased.
General areas of cover:
1. Covers cancellation or rearrangements of the wedding or reception this can be due to a accident, illness or bereavement within the main wedding party or a supplier goes out of business.
2. Most policies cover loss or damage this can be due to either accident, fire or theft. This can be against main outfits, presents, rings, cake and flowers it also includes the price of retaking photographs and video, failure of cars and personal liability within legal expenses.
3. Most insurers can add additional cover for expenses for marquee and public liability.
4. Insurance can also be added for destination weddings.
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