Wedding Insurance Articles

Wedding Insurance – The Small Print

Woman carefully reading documentGiven the huge costs, both financial and time, involved in weddings, it is prudent to protect yourself financially with wedding insurance.

From no show DJs to double-booked reception venues, storm damaged marquees to serious injury, wedding insurance provides peace of mind that if things do go wrong, you should at least not be left out of pocket.

However, it is very important that when you choose your insurance, you take a little time to read the small print. What is covered varies widely between insurers, and reading your policy documents carefully could save you a lot of time, money and stress.

Things you should to check

As well as bearing in mind the specific requirements for your wedding, for example purchasing marquee insurance if you are using a marquee, it is worth checking the insurance policy you have chosen for details such as:

  • If the wedding and reception are on different days, are you covered for both?
  • Is the entire policy valid if you are having a wedding abroad, or are there exclusions?
  • Do guests have personal liability insurance, in case they damage something or injure someone?
  • Does the insurance cover damage caused due to alcohol consumption?
  • Does the insurance cover deposits that were paid before the insurance was taken out?
  • What is the excess? This is what you will be required to pay if there is a claim made. Check if it varies depending on the claim.

Time restrictions

Some policies may place time restrictions on some of its claims. For example:

  • Redundancy may not be covered if the insurance is not taken out 8 weeks prior to the redundancy being announced;
  • Weather related claims may not be covered if insurance is taken out less than 2 weeks prior to the event.

Note that an insurance policy does not usually start until you have paid for it in full.

What you will not be covered for

There are some instances in which you are unlikely to be covered at all, for example:

  • Cold feet – unfortunately the policy will not pay out if the bride or groom decide not to go ahead on the day. However, some policies will cover the cost of counselling;
  • If you cancel the wedding as you cannot afford to continue with wedding plans;
  • Theft of gifts, wedding attire etc due to lack of care and attention. For example, items left on view in a locked car, or left in an unlocked hotel room;
  • Any travel or accommodation costs for weddings abroad, as well as your honeymoon will require travel insurance;
  • Wedding cancellation due to undisclosed pre-existing medical conditions (note that your insurer may also add specific exclusions to your policy for disclosed pre-existing medical conditions);
  • Money and vouchers as gifts (although these may be covered if they are secured in a safe);
  • Under-insurance – always check that the total amount you are insured for will actually cover the cost of reorganising the wedding. You will only get paid the amount you have agreed to be insured for, leaving any extra costs to be covered yourselves.
  • Claims against a supplier where you have no written agreement or contract, or where you have made payments outside of their normal booking arrangements (i.e. paid the full amount earlier than required).

Vendor’s Insurance versus Wedding Insurance

Bride with wedding plannerThink of all the suppliers and vendors of wedding services you may be involving in your wedding plans. For example, you may have:

  • Photographers
  • Venue
  • Florists
  • Wedding attire hire
  • Entertainment
  • Marquee hire

…to name but a few! We take a look at what insurance you should expect them to offer as part of your contract with them, and why, if they offer this cover, you need your own wedding insurance policy as well.

What you should expect wedding suppliers to insure?

Suppliers of wedding services do not, theoretically, have to provide any insurance at all. However, any reputable business will ensure that they are adequately insured for public liability at the very least, with other insurances offering peace of mind to their customers in the unfortunate event of anything going wrong on the big day.

You should expect your suppliers to supply some, if not all of the following insurances (indeed, they may even have other cover too!):

  • Public liability insurance – this covers the vendor’s liability for any damage they may accidentally cause another person or property whilst undertaking their work;
  • Professional Indemnity – this covers a vendor’s liability for failing to produce the agreed work or supplies to a professional standard. Claims can occur where a client or other person suffers financial loss as a result of alleged errors or omissions on the vendor’s part;
  • Insurance to cover a vendor’s equipment being stolen, damaged or lost – i.e. camera insurance for photographers, audio equipment insurance for DJs;
  • Car/van insurance – vendors should be insured for any vehicle that they drive or transport their goods in, and for the storage of their goods in it overnight if applicable;
  • Fire/electrical insurance – this covers any claims made against the vendor if their electrical items cause a fire;
  • Legal expenses cover.

So why do you need insurance too?

At a first glance, if you have chosen carefully, your vendors could easily offer a wide range of insurances covering a multitude of possible scenarios.

Perhaps the most important insurance that a bride and groom should consider is their own public liability insurance. Although vendors should have this, it only covers accidents and injury caused directly by their actions. Having your own liability insurance would cover you if, for example, you or your guests cause an injury to a member of staff, or damage a piece of property owned by the venue or a vendor. Many venues will require proof of your liability cover before you can book. You may need to pay an additional sum to cover your guests, and do check if the policy extends to damage caused under the influence of alcohol.

Other scenarios that your wedding insurance could cover, but a vendor’s insurance may not be able to assist:

  • Vendors going bust or into liquidation
  • Wedding being cancelled or postponed as a result of death or critical illness
  • Failure of suppliers to provide the contracted services
  • Loss or damage to items such as your wedding cake or flowers, once they have arrived at the venue.

For more in-depth information, please see our previous articles about how wedding insurance can cover difficulties experiences with marquees, florists, photographers, entertainment and wedding attire.

What wouldn’t be covered by your insurance?

Always read your insurance documents carefully, as there are some scenarios which would not be covered, for example:

  • Problems with suppliers with whom you have no written agreement or contract
  • Cover for any payments made to a supplier which are outside that supplier’s normal booking terms (i.e. if you are asked to pay the full fee up front earlier than stated in their terms and conditions)
  • Cancellation of the wedding due to ‘cold feet’ or a pre-existing medical issue.

Consumer Credit Act 1974

It is worth a mention that the Consumer Credit Act 1974 states that if anything goes wrong with a supplier where you paid with a credit card, you’re able to get your money back on purchases of between £100 and £30,000. However, this could prove a costly alternative to wedding insurance, as the suppliers responsible for the vast majority of your budget – usually the venue and caterer – often levy a card fee if you pay by plastic. This card fee is often a percentage of the total cost and would quickly become more expensive (and cover less eventualities) than simply paying with a debit card and taking out wedding insurance!

Finally

Remember to take sensible precautions when booking any suppliers for your wedding day. As well as checking what insurance they hold, you could consider checking if they are a member of any recognised trade associations, ask to see evidence of past work they have done and do some online research to check that they are a reputable business. In addition to this, ensuring that your own wedding insurance will cover your costs in the event of a problem at your wedding gives additional peace of mind on your important day.

Wedding Insurance Cover For Officiants Not Attending

Minister with BibleOf all the essential parts of a wedding, the wedding officiant – whether it be a registrar, minister, rabbi or other celebrant – is the key part, without whom you simply could not get married. Wedding insurance will often cover you in the event of the officiant not being able to carry out your wedding ceremony on the planned day, saving the potentially huge costs involved in rearranging the event.

What could go wrong?

Imagine, you both arrive at the church, your guests are waiting in the church, and the flowers look great and even your cars showed up on time. Now all you have to do is to say your vows and then be whisked away to the reception and the wedding will be all that you ever dreamed it would be. However there is a problem, there is no vicar to marry you so the wedding has to be postponed.

From heavy snowfall experienced during many British winters to the hurricane force winds experienced recently this year, weather is among the top reasons that prevent your wedding officiant from being able to attend your wedding. It is, of course, also totally out of your control and can be fairly unpredictable.

However, there are other reasons that may mean that your officiant is unable to carry out your wedding, and it is always worth checking that your wedding insurance includes them.

Wedding Insurance cover

Wedding insurance will usually cover the cost of cancelling or rearranging the wedding due to the wedding officiant not appearing as expected. Valid reasons for this could include:

  • Adverse weather conditions meaning that the officiant is unable to travel to the required venue in time;
  • Officiant being ill or injured, meaning that they are unable to attend;
  • Double booking – for example, your officiant discovering that they have booked to attend two weddings at the same time;
  • Officiant accidentally going to the wrong venue (as long as you have provided the correct address);
  • Officiant simply not turning up at all!

With wedding insurance, if any of the above scenarios befall you on your big day, you should usually be able to claim on it to cover the expenses so far and then plan again for another big day in the future. This is just one of the many aspects that the insurance may cover. Typically the policy covers such as vendors letting you down, your venue letting your down, the dresses and rings and numerous other wedding related events that may otherwise mean financial loss.

What may not be covered?

Some scenarios may not be covered – if you feel you may be at risk of any of the following then consult with your insurance provider. For example, cover may not be offered if your officiant is unable to conduct the wedding due to:

  • Bride or groom getting ‘cold feet‘;
  • Guests unable to attend due to unforeseen work commitments;
  • Cancellation of wedding due to strikes.

There may also be an excess payable for some or all claims – again you need to check the specific details of your wedding insurance for this as it will vary from policy to policy.

Wedding Insurance Cover For Entertainment Providers

After the excitement of your amazing wedding, you should be able to calm down and enjoy the reception. But what if the entertainment doesn’t turn up?

What could go wrong?

Bride and Groom DancingWhatever act you have booked for your wedding reception – from a solo jazz pianist to a full size swing band, from a magician pulling white rabbits out of hats to a professional DJ – you are probably relying on them to keep your guests entertained all night long. What would happen if, for whatever reason, they called the day before the wedding to let you know that they had double booked and were dropping your contract? Or, even worse, if they simply didn’t turn up to your event? Of course, nothing could change the panic caused by this, but making sure that your wedding insurance will cover the financial implications is one less thing to deal with.

What to look for in wedding insurance policies

Often, your entertainment supplier will be referred to as a ‘wedding service’ in your contract. Read through your policy to ensure that costs such as the following are covered:

  • irrecoverable expenses incurred, for example your deposit, if the band, dj or other entertainment provider cancels your event;
  • costs of rearranging your entertainment if your wedding is cancelled or rearranged. There are a few restrictions that apply here – see our previous article about cancelling and rearranging weddings for more information;
  • bankruptcy or liquidation of the entertainment supplier that you have contracted and paid for. Cover should include irrecoverable deposits and the additional cost of arranging alternative entertainment. (Note that you will still be expected to pay the amount you had originally agreed to pay your entertainer – if the only suitable replacement entertainment available is more expensive then insurance will only cover the additional expense.

What the band or DJ should be insured for

  • Usually, public liability on your wedding insurance does not automatically extend to cover paid for entertainment, such as bands or DJs. This is because, as a paid, professional service, they are expected to have their own liability cover.
  • You can extend your own public liability cover to cover the liability of your guests while at the event (as long as your guests are not performing as part of the band).
  • As well as public liability/third party insurance cover, your entertainment provider should have insurance to cover their own business equipment and transport.

What might not be covered

  • Public liability to cover guests whilst at your event may not be available for overseas weddings and, in fact, may not be available at all if your wedding is in the USA or Canada.
  • You will only be covered if you have a formal written contract with your entertainment provider.
  • Your own audio visual equipment used at your event will not be covered, unless it is specified in your insurance policy.
  • Costs for rearranging or cancelling entertainment if your wedding is cancelled due to ‘cold feet’ or pre existing medical conditions.
  • Your insurance policy will also set an excess, which you will need to cover in the event of a claim.

A few minutes taken to check your insurance cover could mean a lot less stress and financial loss if your wedding singer gets laryngitis or your magician disappears in a puff of smoke! Hopefully this information will help you to read and understand your wedding insurance policy with more confidence – remember to always check with your insurance provider if you are unsure as to the cover you are being offered.

Something Borrowed, Something (Very) Blue

Wedding insurance is fantastic for covering a wide range of unforeseeable circumstances, including a wide range of medical conditions. However, it is important to be aware that there is one medical condition for which you will find it impossible to obtain cover: cold feet.

This was discovered just recently by a young couple and their family who were getting married in Austria. In fact they did get married, the ceremony went well and everything seemed to be going perfectly. After the wedding there was a brief lull in proceedings before the reception, and it was during this lull that the proud Father of the Bride wandered into the kitchen and had the surprise of his life.

Don’t tell the Bride

As he entered the kitchen he discovered his new son-in-law enjoying a pretty intimate relationship. This might well have been bad enough had the woman in question been the Bride. But she was not. The only very recently married Groom was having a pretty intimate affair with one of the waitresses.

In a demonstration of extreme self control the father of the Bride simply sent all of the guests away without any explanation or fuss. He and the Bride then headed straight to the wedding Registry Office to demand a divorce. As is the case in the UK, this was refused and she was forced to remain married to her unfaithful husband for six months.

Unlike in the UK, whether unfortunately or not is for you to decide, under Austrian law the husband was forced to pay the Bride alimony once the divorce was permitted.

Although a pretty unpleasant experience, and a rather uncomfortable six months, in the end the Bride got both her freedom and a significant sum of money. The Groom also managed to get what he wanted as well. He is now married to the waitress.

Does wedding insurance cover cold feet (“change of heart”)?

But this situation is one in which wedding insurance would be of no help. Having a decent wedding insurance policy is essential, and does cover almost every aspect of the wedding, but in the UK there is not one single insurance policy that we’re aware of which will cover either party changing their mind and pulling out of the wedding. Unfortunately every year there are plenty of couples who do end up cancelling their wedding as a result of cold feet, or discovering that their future partner is less than faithful, and this can be extremely expensive decision.

Even in the US, where insurance and litigation rule the roost, there is only one wedding insurance company which offers to cover cold feet. Technically they call it a ‘disinclination to marry’, and there are some specific restrictions, such as the fact that the insurance cover can only be purchased by the person who is financing the wedding, and not by either the Bride or Groom. Under this ‘disinclination to marry’ a claim can only be made if the wedding is cancelled at least 180 days before the event.

But whilst cold feet, chilly toes or frostbitten ankles will not be covered by any policy, is important to appreciate that if it is not possible to even foresee your future husband or wife changing their mind about getting married, or at least about who they’re going to marry, it is clearly going to be much harder to foresee other problems far beyond the control of either the Bride or Groom.

From illness and food poisoning to being detained by the police, and from flooded venues to bankrupt caterers, unforeseen problems come with only one foreseeable consequence: a significant loss of money.

Since many wedding insurance policies start from around just £20, and the average wedding in the UK is only a shade under £15,000, whether or not you feel you can rely on your future partner to leave either the waitresses or the Best Man alone, at least you can rely on your policy to see you through.

Wedding Insurance and Floristry Related Problems

Bride posing with her bouquetFlowers are a beautiful and often key part of any wedding day. They can range from simple – maybe a bridal bouquet and an arrangement – to a massive undertaking including bouquets for bride, attendants and guests, as well as decorating the wedding venue and reception.

Whatever your floral requirements, the overall cost of your wedding flowers may well be a significant percentage of your overall budget, which is one of the reasons why it is worth checking they are suitable covered under your wedding insurance.

What could go wrong?

Suppliers letting you down or delivering to the wrong venue, accidental damage to arrangements at the church, or delivery of funeral wreaths instead of bridal bouquets – all of these possible problems with flowers are just one thing you don’t want to have at your wedding! Having wedding insurance could be the difference between having no flowers at all at your wedding, and being able to go out and find a replacement florist if your booked supplier has let you down.

What to look for in insurance policies:

It is advisable to check that you are covered for a variety of florist related problems, such as:

  • Your florist or flower supplier letting you down at the last minute;
  • Your florist going bankrupt or into liquidation;
  • Accidental loss or damage to the flowers after they have been arranged at the venue.

Sometimes covered are:

  • Cover for up to 7 days prior to the wedding (but not if they are still at the florist’s premises);
  • Delivery to the wrong venue (though this may be covered by florist’s insurance);
  • Overseas weddings.

What is generally not covered:

  • Theft of flowers, unless force or violence is used to get in or out of the building (in other words, if they were left unsecured);
  • Contracts that are not pre-booked in writing;
  • Any wilful acts of vandalism that damage the flowers;
  • Cancelling your wedding due to ‘cold feet’;
  • Cancelling or rearranging your wedding date due to any pre existing medical conditions.

Also, remember that flowers will only be covered up to the amount stated in your insurance policy, and there may be an excess – check your policy wording carefully.

What insurance should the florist have?

Floral centrepieces on wedding tables.You are not expected to insure against all possible floral disasters that may befall your wedding day. Florists should provide their own insurance, including all or some of the following:

  • Public liability – covers the florist for any damage to people or third party property;
  • Business equipment cover – covers any damage to their own equipment sustained while setting up your floral displays;
  • Business vehicle cover;
  • Good in transit coverage – covers the florist’s costs if flowers and equipment is damaged whilst out of the shop;
  • Spoilage coverage – if stock is spoiled prior to the event then this will cover the cost of replacement flowers;
  • Damage or theft of stock whilst on the florist’s premises, as long as it was kept securely.

In order to ensure that your flowers are a thing of beauty and wonder at your wedding, and not one of stress and financial loss, take a few moments to check that you are adequately covered by your wedding insurance policy.

Wedding Insurance and Venue Related Disasters

Wedding insurance can cover everything from the venue burning down or going bankrupt, to injuries to guests or damage to property. For financial peace of mind, it is essential!

What could go wrong?

Bride and Groom outside their wedding venue.You simply can’t predict if Uncle Jack is going to have so much to drink that he manages to set fire to the curtains, or if the seemingly perfect venue goes into liquidation at the last minute. For example:

  • As the event organisers, the bride and groom could be liable in the event of:
    • a guest suffering injury from an accident;
    • damage to a guest’s property;
    • damage to the venue itself.
  • Your venue could make an administrative error resulting in double booking and potentially the cancellation of your wedding booking;
  • If you have taken on temporary employees to help put on the event, you could also be liable for a claim if one of them is injured whilst working at the event;
  • Your property, or property that you have hired to use at the event could be damaged or stolen, as could the venue’s fixtures and fittings;
  • Your venue could go into liquidation or bankrupt, meaning a probable loss of deposit and leaving you little or no time to find an alternative venue.

Wedding insurance to cover problems with your venue

If you are arranging your wedding through a large venue that specialises in weddings, you may find that their insurance will be sufficient to cover damage or liability claims. It should never be considered a substitute for a more comprehensive wedding insurance policy though, covering things like death, serious illness and issues with other suppliers.

Check what insurance your venue may offer and ensure that your own wedding insurance policy will cover any shortfalls. Here are some other venue-related issues to look out for in the small print of your policy documents:

  • Personal liability – This covers the bride and groom if they are held liable for any damage to any person or third party property;
  • Public liability – This covers all members of the wedding party if they are held liable for any damage to any person or third party property. Check the wording of your policy carefully to find out who will be covered;
  • Alcohol related damages – This provides liability protection against bodily injury or property damage claims by parties injured as a result of an intoxicated guest who was served alcohol at your event. Note that most policies will only cover this if the alcohol is provided by a named party who is “in the business” of manufacturing, selling or distributing alcoholic beverages;
  • Cover if venue goes into liquidation or is made bankrupt;
  • Failure to supply the venue as detailed in your contract – due to anything from overrunning building work to the venue being destroyed by fire;
  • Rehearsal dinner – check when your cover starts and finishes. Some insurers will insure 24 hours prior and after the event to enable setting up/taking down of the event, as well as a 48 hour cover prior to the event to cover a rehearsal dinner.

Wedding tables at venue

What might not be covered

  • Note that vendors at your wedding (catering, DJ etc) should have their own liability insurance.
  • There may be a limit to the amount that can be paid out in the event of a claim – check beforehand that this limit is sufficient. Often, the higher the premiums, the more you will be able to claim back on your policy.
  • Similarly, there may be an excess that you will need to pay in the event of a claim. Check your policy wording as the amount may vary depending on the circumstances of the claim.

And finally…

Nothing can solve the problem of having to find an alternative venue at short notice, but a short time spent checking the small print of your wedding insurance could provide you – financially at least – with some peace of mind if your venue lets you down.

Wedding Photography – When A Picture Paints A Thousand Expletives

Bride with wedding photographerA wedding photographer can often be one of the most important (and expensive) aspects of a wedding, and you only get one real chance to have that magic day captured for life. So you need to make sure you have adequate wedding insurance in case of a photographic disaster.

From camera equipment being stolen, to photographers accidentally deleting the wrong folder on their computer, and from photographers whose portfolios appear fantastic but who in reality produce something even dear old Aunt Edith would be embarrassed to share, to photographers who actually turn up and photograph the wrong wedding (yes, it really has happened!) – wedding insurance is there to help make sure that your wedding photograph album is full of treasured memories.

What could go wrong?

For most couples, capturing and preserving wedding memories is a significant part of a wedding event. Today, with modern digital cameras, fiddling around with fragile, light sensitive rolls of film and delicate negatives is a thing of the past. However, there are still so many unforeseen disasters that you need to think about insuring against:

  • Unreliable photographer – what if the photographer (or videographer) fails to appear on the wedding day or disappears after the wedding day with your pictures?
  • Damage to, or theft of, photography equipment – cameras and associated paraphernalia are expensive and therefore an easy target for burglary;
  • The photos turning out so bad that you are sure that the three year old bridesmaid could have done a better job…

Wedding photography insurance

You should be clear on what you would expect a professional photographer to be insured against, and what you may consider insuring yourselves for.

Bride with wedding photographerWhat the photographer should be insured for:

Check that your photographer has:

  • Public liability insurance. This covers their liability for any damage they may do to another person, or property, accidentally while working.
  • Professional indemnity insurance. This covers their liability for failing to produce work to a professional standard, and provides financial protection to meet any costs of defending claims made against them.

Your photographer may also have insurance for things such as legal expenses cover and accidental damage cover for his equipment.

What to consider when buying your wedding insurance:
What you are insured for is, of course, up to you. However, do note that you may find that many photographers will not take on a wedding project unless the couple have adequate insurance to cover the costs of cancellation or rearrangement.

Wedding insurance policies offer a wide range of options concerning photography. Every insurance policy is different and you will need to check your small print to see what you are covered for. Some examples include cover for:

  • cancellation or postponement of the wedding;
  • your photographer failing to turn up or is double-booked;
  • damage to the film, negatives or any digital media that was used resulting in not being able to print your photos;
  • The photographer going out of business.

Typically, if you end up without your wedding photos for any of the above reasons, insurance policies will pay for a photographer to re-shoot your photos, with the wedding party. Check if your cover also include payment towards costs needed to do this, including things like suit hire, travel expenses for the wedding party and guests, meals, lodging, venue hire and accessories such as cake and flowers.

What might not be covered

If you get a friend to take photos, you may not be covered at all. Make sure you check with your insurance policy if you are not using a professional photographer. Take sensible precautions to ensure that your photos come out well – look into hiring extra lenses (i.e. for low light), give them an opportunity to see the venue before hand so they can take practice shots and consider if you need extra lighting for ‘staged’ photos.

You are also unlikely to be covered for claims where photography equipment, including memory cards, was damaged or stolen due to a lack of sufficient security precautions.

There will usually be an excess that you will be required to pay if you make a claim – make sure you are happy with the amount required by your chosen insurer.

Finally…

Wedding photographs, and the memories that go with them are priceless – well worth a few minutes spent researching good value wedding insurance policies!

Wedding Insurance – For The Car With More Roll Than Royce

Vintage wedding car

A vintage Rolls or a modern Mini, a retro Camper or luxurious Hummer – whatever amazing car you have organised for your wedding needs to be properly insured to avoid any expensive mishaps on your special day.

What could go wrong?

Of course you need insurance for your family car, but what could go so wrong with a car that is only used for a short drive to your wedding venue? You’d be surprised! For example:

  • Theft – wedding cars are usually unique, top of the range and simply irreplaceable, making them a target for thieves. What would you do if your car was stolen or vandalised the evening before your big day?
  • Breakdown – especially pertinent for vintage cars but applicable to all, cars are prone to unexpected breakdowns. Without insurance, you may need to get the bus timetables out!
  • Accidents – cover yourself in the unfortunate event of an accident whilst you are using your wedding car, to make sure that your big day isn’t followed by potentially huge compensation claims.
  • Driver illness – it is the morning of your big day and your driver calls in sick. But no one else is insured to drive your amazing car, so you end up turning up in a taxi.

There are so many unforeseeable things that could happen, making sure your wedding insurance policy has adequate cover for wedding car disasters will help ensure peace of mind on your wedding day.

Own a wedding car? What should you look for in a car insurance policy?

Wedding cars, are of course, used differently to your day to day family cars, and this is reflected in the small print of your insurance policy. Read your wedding car insurance policy carefully to check that you are insured for every eventuality. Some things that you may want to check could include:

Bride and Groom waving in vintage convertible

  • Mileage – policies may specify a limit to the mileage covered so make sure that your journey is within any mileage limits set. Insurance is available for unlimited mileage but may be more expensive as the insurer’s risks are lower with a limited mileage policy;
  • Agreed value option – with cars ranging from classic to kit cars, supercars to limousines, a standard insurance policy may only pay out the list price and not the ‘true’ value in the event of complete loss. However, some insurers will agree a valuation for your vehicle as part of the insurance contract, ensuring that it is covered to its true value;
  • Legal expenses – assists and advises if you need to recover any uninsured losses (there is usually an indemnity limit);
  • Windscreen cover – windscreen chips can happen at any time, so being insured could save you a lot of money. Note that often an excess will apply if the windscreen cannot be repaired and needs to be replaced;
  • Some policies will offer limited cover for the cost of arranging alternative transport if drivers (that must be named when the policy is set up) are unable to drive due to ill health, DVLA restrictions imposed or injury.

Policies can also offer:

  • Personal accident cover;
  • Replacement vehicle in the instance of a non fault accident;
  • Personal effects cover (up to an agreed limit);
  • Breakdown cover;
  • Public liability cover – covers you against the costs of compensation if you are negligent, for example damaging a wall when reversing in a hotel car park.

You may also want to consider:

  • Personalised numberplate cover – ensuring that you can replace a personalised plate in the event of theft;
  • Employees liability cover – only applicable if you are actually employing drivers, to cover you if your driver claims compensation for injury whilst working for you.

Discounts available

Remember to ask if there are any discounts available!

  • If you are a member of any owner’s clubs, you may qualify for a discount;
  • If you are using two or more vehicles, then often insurers will offer a fleet discount rate.

Wedding Insurance And Common Wedding Cancellation Causes

Bride looking thoughtfulWhen you are planning your big day together, you should not forget the importance of wedding cancellation insurance. It is easy to overlook the consequences of an enforced cancellation during the frenzy of activity after you decide to make plans to get married.

What could go wrong?

Vendor bankruptcy – A successful wedding can rely on so many external companies to make it a success. For example, the venue, caterer, DJ, wedding attire hire, wedding cars, photographer, florist, live band and marquee companies can all play a vital part in your important day. However, in this day and age, companies can come and go in a flash. Take time to research all of your chosen wedding suppliers before booking, paying close attention to how well-established they are.

Illness, accident or bereavement – One of the most common reasons for needing to cancel or rearrange a wedding is the bride, groom or a member of the immediate wedding party falling ill or having an accident. Sometimes, a family bereavement makes going ahead with the wedding inappropriate.

Double booking – Imagine finding that your venue had made an error and put your booking in for the following week, or had accidentally double booked you. Similarly, if caterers, photographers, entertainment or wedding hire suppliers had double booked you, you may have to totally rearrange the wedding date.

Bad Weather – it seems almost inconceivable, but it does happen that very severe weather can cause either the venue not to be available or even that the majority of guests cannot attend.

The officials do not turn up – again it seems unlikely, but it does happen.

Military deployment – If in the armed forces, overseas posting can sometimes occur out of the blue.

What to look for in your wedding cancellation policy

Military WeddingTypically, a wedding insurance policy will cover both cancellation and postponement of a wedding, under most conditions. However, read the small print carefully as there are a few things to check. These include:

  • Does the policy pay a percentage of the total cost of the wedding up to the maximum, or covers the total cost of either relocation to a new venue or compensation for cancellation.
  • Check that you are covered for all of the the suppliers, purchases and hire costs that would have to be rearranged if the wedding is postponed or cancelled, for example:
    • Hired wedding Dress/Ceremonial Attire for the whole bridal party
    • Flowers both for the venue and reception
    • Photographer
    • Caterers, marquee and venue
    • Wedding Cars
    • Accommodation
    • Entertainment / DJ / live band
  • Loss of deposits – check if your insurance policy covers all deposits that would be lost in the instance of cancellation or postponement, or if you need to specify what you wish to be covered.
  • Bereavement – If you are covered in case of bereavement, make sure that you complete a medical declaration for each person upon whom your wedding plans depend, and that you do this before you purchase the policy.
  • Military deployment – Provided that there was no notice of possible cancellation of leave at the time the policy was taken out wedding cancellation policies often cover this.
  • Extra expenses – are you covered for any extra expenses that arise in order to avoid cancelling or postponing your wedding? For example, if the bride is flying in for the wedding and her flight is cancelled, would the policy cover the cost of the next available flight to ensure they get to the wedding on time?

What might not be covered?

Cold feet
Cancellation of the wedding may typically occur for numerous reasons; however a change of mind or cold feet are usually not one of them. Cold feet may be referred to in your policy small print as ‘disinclination to proceed’ and is unlikely to be insured, as most policies will only cover costs associated with cancelling or rearranging a wedding if the reason is beyond the couple’s control.

Overseas travel
Often the costs of rearranging honeymoon or overseas wedding trip costs are not covered. This is because you will usually need to take out separate travel insurance, which would normally include cancellation cover if you are not able to travel as planned. Note that if you are travelling to get married abroad, policies usually only cover any extra costs specific to the wedding itself, including rings, wedding attire, essential document indemnity etc., – but not the cost of the trip itself.

Bridal couple walking along a sandy beach.

Separate ceremonies
If you are having two ceremonies – for example, a small civil ceremony followed by a church blessing a number of days later – check that your policy extends to cover cancellation of all dates required. Many insurers require the events insured to be less than 21 days apart.

Other comments

In order to make any claim that you make due to cancellation or postponement easier to process, consider the following points:

  • Keep receipts and paperwork for all deposits and written agreements with vendors;
  • Make a list of all suppliers you’re using along with contact numbers and keep it to hand, giving a second copy of this list to someone responsible, such as a bridesmaid or best man.
  • Contact all suppliers a month or so before the wedding to ensure everything is going to plan.

CompareWeddingInsurance.org.uk is a trading name of Leyton Solutions Limited.

Registered in England and Wales, Company number 7022117. Registered address: 86-90 Paul Street, London, EC2A 4NE.

Leyton Solutions Limited is an Introducer Appointed Representative of Insuremore Ltd, Insure For Travel Limited, Voyager Insurance Services Ltd, NDI Insurance & Reinsurance Brokers Limited and Alternative Propositions Limited who are all authorised and regulated by the Financial Conduct Authority. Leyton Solutions Limited is also an Introducer Appointed Representative of Blue Insurance Limited who is authorised by the Central Bank of Ireland and regulated by the Financial Conduct Authority for UK business.

Home | Blog | Old Blog | Sitemap | Blog Sitemap | Privacy Policy | Contact