subject: Are You Considering Wedding Insurance? [print this page] Are You Considering Wedding Insurance?
Your big day is your big day. You will never be able to repeat your wedding day, its special and you want everything to go well. As such you may wish to cover the unknown and give some thought to taking out wedding insurance. If so here are some things that you may wish to consider.
When should I take out wedding insurance?
If you wish to protect your big day with wedding insurance you may well be wondering when to take insurance for weddings out. The answer to this is simple, as soon as possible and before you pay any deposits or book anything related to the wedding. Some insurance companies specialising in wedding insurance may set criteria such as you having to take out your insurance within so many days before the wedding, or taking out insurance no more than 1 or 2 years before the big day. Also bear in mind that if you are planning your wedding way ahead of time, such as a year, then circumstances or plans many change and if so your insurance company should be told.
What might insurance cover?
What is typically covered by wedding insurance of course depends on who you take the insurance out with. Different companies may offer coverage for different things. You may find that what one insurance company covers, another may not, so it pays to check any policy you are considering very carefully. As a typical example you may expect to find in the average policy protection for weddings such as cancellation of the wedding, venue letting you down, wedding dress, photographs and cars. However there may be limits or exclusions so again check with the provider.
Examples where insurance may come in handy
Here are some of the many reasons where wedding insurance may come in very handy.
You searched around and booked your photographer for your wedding. On the big day you and your guests pose for the photographs, happy in the knowledge that you will have great memories to relive time and time again. Wrong, as you find out a week or so later when the photographer calls with the bad news that the negatives were ruined and there are no photographs. While nothing can replace your disappointment, if you have insurance for weddings you may be covered and the provider may pay out to retake simulated wedding photographs.
The big day has arrived, the bride, her father and bridesmaids are ready and waiting for the cars to take them to church. You wait and wait, and wait some more. You cannot contact the company you hired and the cars do not show up. With insurance you may be covered to arrange alternative transport and be able to recoup, if possible, any deposit you have already paid.
These of course are just two prime examples of what might go wrong on the big day. A typical wedding insurance policy may cover many more things. Hopefully your wedding day will go without a hitch and you will never need your insurance, however if not it is nice to know that you have something you can fall back on if the very worst should occur.
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