DO I NEED WEDDING INSURANCE?

In the excitement of a new engagement there will be lots of things that cross your mind; dress shopping, a dream honeymoon and where you are going to sit embarrassing Uncle Dave. Luckily you are in the right place for that; we can help the process run smoothly and make sure that you aren’t aware of any hiccups along the way. But there are some things that can happen to disrupt a wedding that even the most experience of planners cannot fix; wedding venues cancelling, or adverse weather stopping your guests from travelling. These are really upsetting things to even consider, but given the average cost of a UK wedding is £25,000 it is sensible to think about wedding insurance.

Insurance is a dry subject, certainly not as exciting as hydrangeas and jazz bands. However, should something go wrong on the lead up to or on your big day this will have a huge emotional impact. By making sure insurance is in place at least the financial impact can be lessened or taken away.

Depending on the cost of your wedding and the impact of potentially cancelling and rearranging (from both a cost and time perspective), insurance can be a key part of your wedding budget and something we always advice our couples to take out before commencing any planning.

Things that insurance can cover are:

  • Cancellation or rearrangement of your wedding
  • Personal Liability
  • Public Liability
  • Loss or damage of the Bride’s dress, the Groom’s outfit, wedding rings, wedding gifts and wedding cakes
  • Failure of all your wedding suppliers (photographers, caterers, hoteliers, chauffeurs, etc.)
  • If you’re hiring ceremonial swords or marquees, you should consider additional cover for these items

But do your research before choosing your insurance and most policies have particular exclusions and depending on the type / size / budget of your wedding, some policies might not give you sufficient cover.  Some policies can start from as little as £25, typically cost about £60 but marquee weddings and larger budgets will require a higher cover of insurance, which does cost more.

Overall, we believe that your wedding day should be relaxed, luxurious and stress free, so for the small cost of buying wedding insurance, its just that extra piece of mind to ease that stress during the planning process.

Key points to consider:

  • Insurance does not cover a change of heart or financial difficulties, but it does cover many other minor and major issues
  • An alternative to wedding insurance is using your credit card to pay for the wedding and under section 75 of the Consumer Credit Act, you can claim back for goods and services that way
  • Your home insurance policy may cover insurance for gifts
  • Your honeymoon should be covered separately by travel insurance
  • Money Saving Expert is a great resource for financial advice

PHOTOGRAPHY BY JESSICA RAPHAEL