subject: A Guide To Choosing Your Wedding Insurance [print this page] Insuring your wedding is the same as taking out any type of insurance; it is a bit of a gamble. If you take it out the chances are that you will not have to use it. If you decide not to gamble and save some money then of course you have the worry that something may happen and if it does, of possibly suffering disaster financially. If you are considering covering your wedding with insurance you have to ensure that you are making the right wedding insurance comparison.
The first thing you need to determine before making your search is the type of insurance needed. Usually you have the option of choosing between UK cover, overseas wedding cover or insurance for a civil partnership. Not all insurance companies may offer different forms of insurance so it can pay to shop around and compare what is on offer.
As the name suggests UK wedding insurance covers any wedding in the UK and only in the UK. A policy may typically cover many different events and the benefits given in a policy may differ between insurance providers. Some may offer more benefits than others for the same money or very little difference in premiums, and this works to your benefit. Typically the average UK wedding policy may cover, cancellation of the wedding, any deposits you may have paid, car hire, wedding outfits, photographer, your rings, flowers and venue.
If you are holding a wedding overseas then you need to consider a different policy to ensure you have the correct coverage as you typically need to protect against the same events as in the UK and others that are not applicable to the UK. This for instance could be hurricane damage. You may be having a wedding on the beach in a romantic location with just the immediate family members and be having a wedding in the UK for other family members. Some insurance providers may offer free protection for your wedding in the UK when you take out overseas wedding insurance.
You may also choose to take out civil partnership insurance if holding a civil partnership wedding and reception. Usually as with any type of insurance to cover weddings you are able to choose the level of insurance that you need. A civil partnership wedding typically covers the same basics as any UK wedding insurance policy.
Whichever type of wedding insurance you choose to take out it is important to check out the small print of the insurance before rushing into buying. While certain events may be protected there could be exclusions or limitations. Just as with any type of insurance, there is typically a certain amount of excess that you have to pay when making a successful claim. The excess may vary between providers so always ensure that you compare this when comparing the benefits and the cost of the insurance. Also bear in mind that usually an event is covered up to a maximum amount and this too may vary depending on the insurance provider that you choose to take your policy with.
by: Adam Leyton
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