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Do I need wedding insurance?

Updated: Apr 25, 2023

You've definitely heard tales of wedding horror, such as the wedding party getting lost on the way to the ceremony, the wedding cake falling, or the photographer failing to show up. Even though most wedding mishaps are not as spectacular, they may still be quite stressful and expensive to resolve. Wedding insurance can help with that. From vendor cancellations to inclement weather, wedding insurance may shield you from a wide range of wedding disasters. Wedding insurance is something you should absolutely think about if you're planning a wedding. We'll go through what wedding insurance is in this post and why you need it.

Wedding Photographer In Hampshire. Do I need wedding insurance? Photo of bride and groom at wedding ceremony.

What is Wedding Insurance?

Wedding insurance shields you against financial loss in the event that something goes wrong with your wedding. Wedding insurance is a sort of event insurance. Wedding insurance, for instance, can assist in reimbursing lost deposits in the event that a wedding planner files for bankruptcy. Wedding insurance can assist in reimbursing additional non-refundable costs, including as travel and hotel accommodations, in the event that your wedding is postponed due to bad weather. Other items that may be covered include vendor cancellations, unintentional harm, or even a family member's passing.

How much does Wedding Insurance Cost?

A simple policy can cost as little as £20, while complete coverage for major weddings can cost as much as £300. The size and location of your wedding, the kind of coverage you need, and the deductible (or excess, as it is known in the UK) you're ready to pay are all essential considerations when determining the price of wedding insurance.

In contrast to a couple throwing a 300-person destination wedding, you might not want the same degree of coverage if you are planning a modest wedding with only 50 guests. You might also choose a policy with larger coverage limits for things like cancellations and postponements if you're concerned about weather-related calamities.

In the end, talking with an insurance professional who can help you comprehend the numerous coverage options and select a policy that suits your needs is the best approach to determine how much wedding insurance you require. While wedding insurance is not needed, knowing that you are covered in the event of any unforeseen tragedies on your special day may offer you piece of mind. Additionally, if something does go wrong, wedding insurance may be able to help you recoup some of the expenditures so that you can concentrate on what matters most—enjoying your new marriage!

Wedding Photographer In Hampshire. Do I need wedding insurance? Photo of groom reading letter from bride

So, should I take out Wedding Insurance?

Imagine the potential consequences if your wedding was postponed due to severe weather, an accident, or another unanticipated event. You would lose every penny you had invested in suppliers, deposits, and other wedding-related costs. If your wedding needs to be postponed or cancelled, wedding insurance is there to shield you from financial damage. In the United States, a wedding typically costs roughly £32,000. The location, scale, and style of the wedding will all have a significant impact on this number. In order to secure their services, many wedding providers want a deposit, which may not be refunded in the event that the wedding is called off. You might be able to get these non-refundable deposits back from wedding insurance.

The cost of delaying the wedding or obtaining a different location if the first one becomes unavailable are other costs that wedding insurance may help with. In conclusion, purchasing wedding insurance is a wise decision that, should something go wrong with your nuptials, may save you a tonne of money and worry. If you're still debating whether or not to buy wedding insurance, we advise conducting some research to determine what kind of protection is best for you. It's critical to pick a policy that meets your unique needs because there are several sorts of insurance available.

What about my Honeymoon? Would that be covered under my wedding insurance policy?

For many couples, the honeymoon expense makes up a sizeable portion of their wedding budget. As a consequence, it's not surprising that one of the most frequent queries insurers receive is about whether or not a basic wedding insurance policy would cover honeymoon expenses in the event that a couple had to postpone their nuptials. Unfortunately, the answer to this question is no.

For your honeymoon, you must get a different travel insurance plan. You may try to recuperate some of the expenditures by doing a few things, though.

You might be eligible to claim a refund on any non-refundable travel charges, for instance, if you have to cancel your honeymoon owing to a covered cause under your wedding insurance coverage (such the illness of a close family member). It is always wise to confirm what is and isn't covered with your insurance in advance.

What is not covered by wedding insurance?

Of course, there are several things that a typical wedding insurance policy DOES NOT COVER. These can include: "cold feet" cancellations; costs associated with a wedding postponement; loss or damage to presents; and separation before the big day. It is always a good idea to verify with your provider since some insurers may provide optional extras to cover these banned products.

Wedding Photographer In Hampshire. Do I need wedding insurance? Photo of bride and groom photo session after wedding party

Here are the steps you need to take to make a claim:

First, contact your insurer as soon as possible. They will then send you a claim form, which you will need to fill out and return. Include any supporting documentation, such as receipts or quotes. Once your claim has been processed, you will receive a payout. It is important to remember that wedding insurance is there to protect you from the unexpected. So, if something does go wrong, don't hesitate to make a claim. Better to be safe than sorry!

If you're not sure whether you need wedding insurance, our advice is to err on the side of caution and go for it. Don't let something as unpredictable as the weather ruin your wedding day. Be sure to purchase wedding insurance to protect yourself from any financial losses! After all, it's better to be safe than sorry!

Have you got your wedding insurance sorted?

Let us know in the comments below.

Wedding Photographer In Hampshire. Do I need wedding insurance? Picture of groom and groomsman making jokes

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