Why do people treat wedding insurance in such a different way to any other form of insurance policy? With the average wedding costing £17,000, and with the average wedding insurance policy only providing up to £12,000 of cover, that’s a huge shortfall. People just don’t seem to notice this massive gap, yet in any other situation this would be rather worrying.

For example, let’s say you have just bought a car for £17,000. Would you be happy if your car insurance offered you £12,000 to replace it like for like in the event it was stolen? Hardly.

Debenhams Wedding Insurance Visit Debenhams »
5 levels of cover with policies available from £39.
Dreamsaver Wedding Insurance Visit Dreamsaver »
4 levels of cover with premiums from £24.
Ecclesiastical Wedding Insurance Visit Ecclesiastical »
Choose from five tiers, or mix and match to suit your needs.
InsureForWeddings Wedding Insurance Visit InsureForWeddings »
Four levels of wedding insurance cover starting from just £19.99.
John Lewis Wedding Insurance Visit John Lewis Insurance »
Weddingplan Wedding Insurance Visit Weddingplan »
9 levels of cover with premiums from just £18.49.

How about health insurance? Let’s say you break your leg in a skiing accident. Would you be happy for your health insurance to offer to fly 70% of you to hospital, but that 30% (say, your shoulders up) would have to stay on the mountain?

Clearly in almost any other situation you would be looking for full cover, since partial cover is as good as useless. Why then do people see wedding insurance as being of less importance? Is it because it’s only for a single day? All the more chance of something going wrong then. Is it because they feel that if something does go wrong, they won’t have to fork up the full cost? Hardly – if the venue double books you’ll need to re-schedule everything, and then you’ll lose all of your deposits as well as having to pay for everything all over again – that means spending more money, not less.

Maybe it’s because people feel that spending an extra £20 on their wedding insurance isn’t worth it. Surely not – because this represents only 0.1% of the overall budget, and probably a good deal less than a single bottle of wine.

Really, there seems to be no explanation for why people under-budget so badly, but almost certainly if a couple did have to fall back on their wedding insurance policy they’d be pretty aggrieved if the company said that they would have to forfeit 30% of the drive to the church, 30% of the space in the venue, 30% of the meal and 30% of the alcohol in the bar!

Article written by Adam. See his profile.