With the average wedding costing more than £20,000, it can be wise to take out insurance in case there are any problems before or on your big day, whether that’s having to make a last-minute cancellation or you experience issues with your chosen venue or any suppliers.
Do I need to take out wedding insurance?
Whether you decide to take out a wedding insurance policy will depend on your circumstances. Some couples opt for a small, intimate wedding which doesn’t cost too much, but for the majority, it can be one of the most expensive things they’ll ever pay for. If you are not insured and something goes wrong, you could end up losing thousands of pounds, so it’s worth considering insurance for peace of mind. One Lancashire couple recently lost £6,500 when their venue closed unexpectedly.
What does it cover?
Like all types of insurance, wedding policies vary and can be adapted to suit your needs and they can cover different scenarios and losses. Insurance will usually cover you for rescheduling or cancellation due to injury, illness or extreme weather, but it can also cover you for things like lost, stolen or damaged items, such as the cake and flowers. A good option is a policy which covers any issues with suppliers or your venue, such as suppliers going bankrupt or goods being damaged. Arranging a wedding means using the services of many different suppliers, like florists, caterers, photographers and venues, including marquee companies. If you are looking for marquee hire Hereford, there are several firms such as https://goodintents.co.uk/marquee-hire-near-me/hereford who can offer advice and tell you if they provide flexible agreements.
What isn’t covered?
Things that won’t be covered in a wedding insurance policy include pre-existing conditions and if anyone changes their mind. Honeymoons are covered through travel insurance and death or injury is covered by personal liability insurance.
Overseas weddings
Many insurers offer overseas cover as an add-on, as travel insurance will only cover things like lost baggage and flight cancellations. As with all insurance, check the policy wording carefully to check you are fully covered.