Wedding DressFollowing the liquidation of C&C Wedding Company Ltd in 2009, husband and wife team Christopher and Carol Howarth have been disqualified from being directors for seven years each.

The directors, both 49, ran two shops, Crystals Bridal Centre and Christopher’s Suit Hire in Nuneaton and continued to take deposits from brides and grooms despite the company being insolvent and therefore unable to fulfil the orders.

Deposits totalling over £35,000 were taken from at least 76 couples.

Commenting on the disqualifications, Claire Entwistle, Director of Company Investigations North said:

“The undertakings signed by Christopher Howarth and Carol Howarth send a clear message to other company directors; if you run a business in a way that is detrimental to either its customers or its creditors you could be investigated by the Insolvency Service and as a result removed from the business environment.”

InsurerUp down arrow Cancellation CoverUp down arrow PriceUp down arrow ExcessUp down arrow Link
Weddingplan
Diamond +
£17,000 £56.81 £25 Visit Weddingplan »
Weddingplan
Gold
£10,000 £36.15 £25 Visit Weddingplan »
Weddingplan
Silver
£7,000 £25.82 £25 Visit Weddingplan »
Debenhams
Gold
£10,000 £58.88 £50 Visit Debenhams »
Debenhams
Emerald
£15,000 £78.51 £50 Visit Debenhams »
Dreamsaver
Gold
£10,000 £37.00 £0 Visit Dreamsaver »
InsureForWeddings
Gold
£10,000 £35.99 £25 Visit InsureForWeddings »
Wedinsure
Tier 3
£10,000 £35.00 £25 Visit Wedinsure »
Wedinsure
Tier 2
£7,000 £28.00 £25 Visit Wedinsure »
Weddingplan
Diamond
£12,500 £46.47 £25 Visit Weddingplan »
Dreamsaver
Amber
£15,000 £57.00 £0 Visit Dreamsaver »
Wedinsure
Tier 4
£12,500 £45.00 £25 Visit Wedinsure »
Wedinsure
Tier 5
£17,000 £57.00 £25 Visit Wedinsure »

Please see the full comparison table for all levels of cover available from these insurers.

This is certainly a clear example of the need for wedding insurance. Deposits paid for things like wedding dresses and suits are usually covered by a wedding insurance policy under the “Failure of Suppliers” section. In some cases, the policy will also cover the additional costs incurred as a result of arranging an alternative too.

Supplier failure or bankruptcy related claims are currently the four most claimed for things on a wedding insurance policy, hardly surprising given the current economic climate.

As with all insurance or finance products, you should check the policy wording carefully before you purchase to make sure the product meets your needs and any particular scenario you want covered.

Adam Leyton

A little bit about Adam Leyton, founder of CompareWeddingInsurance.org.uk

Adam has been working in the wedding industry since 2006. As a keen advocate of wedding insurance, he launched a comparison website in 2009. See his Google+ profile.