Cover Your Happiest Day with Wedding Insurance
Thursday, August 19th, 2010Just Got Engaged? You really ought to consider buying Wedding Event insurance .
But is Wedding insurance really necessary or or more costs you could do without? Having just returned from my honeymoon here is my first piece of advice . Don’t think about the additional cost , this is a one time event , which should be the happiest day of your lifetime and the memories that you make on this magical day are memories that will last you a lifetime. .
My second piece of advice is definitely get Wedding insurance!
With the cost of a wedding being around £15000 on average but , the average Wedding Insurance policy will cost about £30 for basic cover . At these prices you really shouldn’t have to think about taking out the insurance !
When you have set a date, make the necessary bookings, buy your wedding cover and then start paying your deposits .
Get it done early and it is one less worry . Trust me there will be lots of other things to worry about on the wedding day !
Even if you are thinking of not spending quite so much then a specialist wedding policy is still worth very serious consideration – you may be thinking of a small event , but take into account that you will be buying some of the most expensive dresses, clothing and meals you have ever bought .
However, as with any form of insurance it is important to understand what might go wrong on the day before you purchase insurance. One idea One way is to take out the Wedding cover on a credit card and try to pay off the balance straight away . If you make a payment between £100 and £30,000 can be claimed back through section 75 of the Consumer Credit Act if you do not receive the service .
If you have taken one out, home insurance policies increase cover for a month either side of the wedding of someone in the household to cover the value of gifts and sometimes clothes bought for the wedding. Check your policy documents for details .
Make sure the policy you choose providescover for loss of damage to the wedding attire , such as the wedding dress, as well as presents, the wedding cake, rings, flowers and photos and video services .
Quite often the cover will run for a set period – from seven days before to twenty four hours after for wedding gifts , for example – however there are a lot of variations depending upon the Insurer . Remember that you will be relying upon the services from a range of suppliers so make sure your chosen plan can cover any extra costs you incur up to the policy limit if things don’t go exactly to plan.
Wedding insurance also covers you for deposits you can’t recover or the costs of finding substitute providers should yours go into liquidation (Don’t forget that your credit card covers you if you have used it so do not fork out an unnecessary premium if you do not need to.)
An important cover within wedding insurance ispublic liability or damage caused to a third party. Again this is often covered either by your home insurance or the hotel’s own cover etc; but this can be quite important public liability is essential if you have the wedding in a public place such as a beach or park etc .
Many policies offer additional areas of cover, some policies offer legal expenses , personal accident or even stress counseling but you should add these extras only if you really need them.
It is very easy to buy Wedding Insurance online, and you can save money both by comparing policy prices and by visiting a specialist events insurance company, who often have better value for money products with a wider range of wedding insurance quotes .
