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Wedding insurance

Family weddings for those with large number of guests requires careful handling in order to have the happiest day for those attending. The bride needs to a have a princess type wedding and nothing less. This type of wedding can be expensive and wedding insurance is here to help the big day.

So what does wedding insurance cover? It covers for things as:
•    Any claims for legal expenses.
•    Deposits to suppliers can be protected.
•    If one of the suppliers has not performed his work (gone bankrupt or gone out of business).
•    If the wedding day does not happen due to a personal accident or injury.
•    If the wedding stops due to a death in the family.
•    Issues with gifts, flowers, displays, etc.
•    Photographers not being able to attend.
•    The venue has been booked by somebody else at the same time.
•    Third party liability cover for damage, fire to the property venues.
•    Weather problems (acts of god).
•    Wedding clothes.
•    Weddings being held abroad.

What duration can be covered? The duration for wedding insurance will have an impact on what premiums you pay:
•    Cover can be only for the wedding day.
•    Cover can finish when the honeymoon has been completed.
•    Cover can start from the day the insurance policy starts.

The above list is only an illustration, you will need to speak to your specialist wedding insurance broker to ensure that every eventuality has been catered for.

In turn, if anything needs to be claimed the insurance company and the police needs to be informed immediately or within twenty four hours of the incident occurring.

What are the major issues with wedding insurance?
•    If the wedding couple cancels the “big day”, the policy will not pay.
•    The insurance company will not provide “last minute suppliers”, if your suppliers does not fulfil his/her services.
•    You will have to agree any excess or a list of excesses which may apply.

Once the insurance policy arrives, check it immediately and make sure that it covers for all the items agreed, if not, have it changed or reassessed within 24 or 48 hours.