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wedding insurance basics

Wedding insurance is quite a new insurance, but can be vital as nowadays the cost of weddings has rocketed. The cost of wedding insurance can be around £50 - £60 so it’s well worth taking out when you wedding can cost you thousand of pounds.

For example just cancelling the venue can be very expensive.

What your Wedding insurance may cover

Damaged wedding attire

The non-appearance of the photographer, loss or damage to the original film or negative before copies are made and non-development of the original film or negatives.

Cancellation due to an illness or bereavement of the immediate family

Failure of the caterers to turn up at the reception

Lost wedding rings

Failure of the wedding transport to appear

Double-booking of the venue

Public liability property damage (the big wedding fight!)

Lost or stolen wedding presents

Financial failure of any wedding suppliers.

Wedding insurance policies essentially do one of two things

Either they pay for a replacement, for instance if the caterer goes out of business. Your insurance will make sure you don’t lose out. Or they pay compensation, for example your photos don’t come out. If it is impossible to take new ones, you will receive cash. This may be useful towards paying off the cost of the honeymoon or other wedding expenses.

Here are a few extra tips to make sure you minimise the financial fallout of a botched wedding:

Pay the deposits for the reception and wedding dress on credit, not debit, cards. A credit card issuer will have to refund you if the supplier goes out of business.

Put in writing everything you expect from each supplier, together with what is included in the price and what isn’t. This way, there should be no stressful last-minute disagreements.

Ask the wedding or reception venue to put aside somewhere secure for guests to leave wedding gifts. Ask a friend or relative to look after them - and take them away at the end of the reception.

Ask the photographer to take digital photos so they can be checked before he or she leaves.

Have a contingency plan for outdoor weddings in case it rains.

Buying Wedding Insurance

A great place to start looking for Wedding Insurance is with Marks and Spencer Wedding Insurance, who provide a very good and well respected wedding insurance policy.

Marks & Spencer Wedding Insurance covers almost everything you need to be just right - from the cars to the cake to the flowers. If you need to make a claim, there'll be no excess to pay. And if you do get into a dispute with one of your contractors, M&S will l cover any legal expenses up to £10,000.

New customers of Marks and Spencer Wedding Insurance also receive a 10% discount when they buy online.

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