Wedding Insurance Articles

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 and the Pregnant Bride

Pregnant BrideIf you discover that you are expecting a little bundle of joy while you are planning your wedding, not only do you need to let your dressmaker know, but you should also check your wedding insurance.

What could happen?

More often than not, a pregnancy will be no barrier at all to enjoying your wedding day, indeed it will add to the excitement and anticipation of your amazing new life to come! However, sometimes things just don’t go to plan. If you have complications during your pregnancy, you may need hospital care or bed rest during your final trimester. You may also struggle to manage a very busy day, particularly late on in the third trimester. When you know you are going to be pregnant on your wedding day, it is worth taking the time to consider the practical implications and also to think what you might need cover for in your wedding insurance policy.

Additionally, it may not just be the bride that is pregnant – if a bridesmaid or Matron of Honour becomes pregnant so can’t fly out to your overseas wedding, or your best man has to suddenly disappear as his wife has gone into labour, what impact would it have on your wedding plans?

What is and isn’t covered?

Rearranging the wedding when you find out you are pregnant:

While many wedding insurance policies cover costs involved in rearranging your wedding, as pregnancy does not constitute an ‘unforeseen circumstance’, you are often not covered if you wish to rearrange your wedding when you realise you are pregnant. Usually, there would be a few months in between finding out you are pregnant and your wedding date, in which you can give your wedding suppliers plenty of notice if you need to change your plans. Hopefully with a good few months notice, you will not lose your deposit money.

Rearranging the wedding due to pregnancy related issues:

If you go ahead with your plans and celebrate your wedding during your pregnancy, read your wedding insurance wording very carefully. The date up to which you are covered for claims due to pregnancy does vary from insurer to insurer. For example, taking some policies at random:

  • ‘You are not covered for claims caused by pregnancy where anyone will be more than 26 weeks pregnant by the end of the Wedding Reception’
  • ‘You are not covered for any claim arising directly or indirectly from pregnancy or childbirth unless the expected date of confinement is more than 2 months after the Wedding Date’
  • ‘Exclusions – pregnancy (unless the birth is expected more than three months after the Wedding / Reception’

So, if you need to cancel or rearrange the wedding because your baby comes early, or you are hospitalised or ill due to pregnancy, then you may be covered by insurance as long as you are within your own insurer’s timeframe requirements.

Remember, it is important to know that if you have an existing medical conditions that impacts on your pregnancy you must tell the insurance company or you may not be covered.

If you wish to cover other members of your wedding party for pregnancy related claims, it is probably worth contacting your insurer directly to ask for advice.

Travelling for your wedding or honeymoon while pregnant

Some airlines will not let you fly towards the end of your pregnancy, especially if you are expecting a multiple birth or have had complications in your pregnancy. After 28 weeks, you’ll usually need a ‘fit to fly’ certificate from your midwife or GP stating that you are in good health, have a normal pregnancy and confirming your expected due date.

Of course, at the start of your pregnancy you usually have no idea if you will have a straightforward pregnancy or not, so if you are planning an overseas wedding or honeymoon then make sure that your wedding and travel insurance policies will cover you adequately. Note that not all insurers will even cover you to travel after 28 weeks or expecting a multiple birth and, even if they do, they may stipulate that you return within 8 weeks of your due date.

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.

Wedding Insurance and Wedding Dress Disasters

Bride trying on wedding dressA wedding dress, and the attire of the whole bridal party, will be in wedding photos for ever. Imagine if something happened to your wedding dress either before or on the wedding day and you did not have wedding insurance!

What could go wrong?

Remember that it is not only the wedding dress that is costly – in some instances, the total cost of wedding attire may run to thousands of pounds. Wedding insurance can be purchased to cover not only the wedding dress itself, but also all of the wedding party’s clothing as well, including hired suits.

So, what could happen to the dress or other wedding attire?

  • Accidental damage – for example, damaging the dress while putting it on, a young child spilling something on their bridesmaid dress during a fitting. All of these accidents could cost you a lot of money if not insured!
  • Theft – wedding dresses and accessories can be extremely valuable items and, as such, a target for thieves who will find it easy to sell on at a profit.
  • Supplier going out of business – find the perfect dress, order it, pay a substantial deposit and, weeks before the wedding, discover that your supplier has gone bust. Without insurance, there will be little you can do in this instance other than find the money for a brand new dress at short notice.
  • If you are taking your dress abroad for the wedding, the airline may misplace or damage your dress in transit. Insurance could cover the costs of mending or buying a replacement.

What to look for in your policy:

Items covered

You should ensure that you have sufficient insurance to cover not only the cost of replacing the wedding dress itself, but all accessories, bridesmaid dresses, page boy suits and menswear. If any clothing has been hired, the insurance should also cover hire costs.

When a policy states that it covers ‘wedding party’ attire, this usually comprises of the bride, groom, their parents or guardians, best man/woman, ushers and bride’s attendants. However, it is important to always check the small print of your policy to ensure that everyone who you expect to be insured is covered.

Cover prior to and after the wedding day

Stressed BrideMany policies will cover the insured clothing for up to three months prior to the big day. Check when your cover starts and make sure you request a change to your policy to ensure that it is covered from the moment you pay a deposit for the dress.

If you are wanting to sell your dress, wear it again or simply ensure that you can afford to replace it should it get damaged shortly after the wedding day, then you must also check how long your insurance cover extends after the big day.

Travel

If you are planning to take your dress or other wedding attire abroad, or even travel with your dress in the UK, check that your policy covers accidental damage, theft or loss in transit.

Failure of Suppliers

Check that you are covered in case the wedding dress shop or formal hire supplier is made bankrupt or put into liquidation.

What may not be covered?

  • Normal damage (wear and tear) or soiling of the wedding dress which inevitably happens during the wedding day;
  • Failure to report a theft of an item of wedding attire within a reasonable period of time – often 24 hours after discovery;
  • Theft (or attempted theft) from a vehicle, where sufficient security precautions were not taken – for example, not locking wedding attire out of view in the boot;
  • If your provider feels that you did not take sufficient measures to ensure that your wedding attire was both safe and secure (in a vehicle or other location) they may not pay out on a claim.

Excess

There will often 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…

Reading the small print to check that your wedding insurance policy provides adequate cover for your wedding dress and wedding party attire need not take long, but – for the peace of mind it provides – it is time well spent.

Wedding Insurance – For When The Marquee Collapses!

Marquee Wedding ReceptionFrom traditional white marquees decorated with bunting and balloons, to tepees, chinese hat pagodas and Bedouin tents, marquees offer flexibility and value for money when it comes to your wedding venue. Many wedding insurance companies will offer marquee cover as an optional extra to your wedding insurance, but do you really need it?

Why have a marquee?

You can put a marquee in so many places – from a farmer’s field overlooking the green and pleasant countryside, the grounds of a stately country home or even your own back garden. They add valuable extra space for people to gather for ceremonies, meals and receptions, and you can be as creative as you want with the decoration!

Additionally, more and more people are becoming wary of booking venues months or even years an advance, only to find nearer the time that the company have either gone bust, closed down or been taken over by a new owner who has no knowledge of the booking.

What could go wrong?

Sometimes the value of the marquee you have hired could be as high as tens of thousands, and often contain expensive lighting, heating and flooring as well. Companies not only often ask for a hefty deposit but will also charge for any additional expenses. For example, the marquee hire company may hold you liable for:

  • accidental loss or damage, i.e. damage to the flooring by footwear;
  • call outs that require the company to repair the marquee, for example if a guest were to trip over a guide rope and the marquee collapses;
  • the cost of replacing the marquee due to fire;
  • weather damage – From summer floods to spring hurricanes and from winter whiteouts to autumnal gales flattening trees. Unfortunately, as demonstrated many times a day by weather forecasters, the climatic conditions of this green and pleasant land are entirely unpredictable, which means that whatever time of year you have booked your wedding for, almost anything can happen;
  • damage to ancilliary equipment, such as tables and chairs or portable loos (often generators, heaters, toilets and disco equipment are exempt from cover, so make sure you check);
  • theft or vandalism due to not adhering to security procedures.

There are also risks that you need to consider, for example:

  • failure of suppliers – if the marquee company goes into liquidation or does not keep to the contract on the big day;
  • the issue of third party liability. If your marquee does fall down, get blown over or blows away you could be liable for any damage to people or property;
  • If extreme weather on the day means that you have to postpone your wedding, you would need to ensure that you would not lose your deposit on the marquee. With the average cost of a UK wedding now standing at around £15,000, that could be very expensive.

Marquee insurance

Considering all of the potential expensive things that could go wrong, you can see why having a decent wedding insurance policy can help. Marquee cover is usually available as an additional premium (around £50) on top of a standard wedding insurance policy. Having a wedding insurance policy won’t keep you dry, shelter you from the wind, help you scrape the ice off your car or dig your way out of a snowdrift. But what it can do is to cover you for many unforeseen catastrophes, such as high flying marquees.

Even if your marquee provider offers insurance as part of the deal, or your venue’s insurance will extend to a marquee on site, always check what is covered– is it the bare basics of accidental damage indemnity, or are you also covered in case the company goes bust, does not provide what you have agreed for on the big day or for weather damage? Check our list of risks above – you may find that you may need to take out additional marquee cover on top of your wedding insurance policy even if your venue or marquee supplier provides some basic level of cover.

For the cost of a barometer you could have a wedding insurance policy which will cover you for all three of these potential eventualities, leaving you to relax and boogie the night away in your fabulous wedding marquee.

Should Tragedy Strike, It Pays To Be Fully Covered

Debbie Smith and Matthew CottrellYour wedding day should be the happiest day of your life – but what happens if it turns into the most tragic day? Unfortunately that is what happened to 24 year old Debbie Smith in June of this year. Debbie, from Southport, , and her fiancé Matthew, had planned a huge £25,000 dream wedding, and everything looked set for a happy and romantic future. Except that the day before her wedding Debbie was at the same church, walking up the same aisle, but at her fiancé’s funeral.

No one should have to bury their wife or husband to be, especially not the day before the wedding and at the same location, but for Debbie there was yet further distress when several of the suppliers who were to be involved in the wedding the next day refused to refund even a penny, despite the fact that a wedding insurance policy had been taken out.

Tragedy

Matthew was a Sapper in the Royal Engineers, and after a stag night out with his army friends he decided to take a taxi home. Unfortunately part way back he realised he didn’t have enough money on him to pay for the full journey and so he got out and began walking the rest of the way home. On an unlit and notorious stretch of road he was struck by a coach, and was pronounced dead at the scene.

At just 23 and 24 years old Debbie and Matthew felt that their love was invincible, and their wedding day was to be blessed. Even so they took out a modest wedding insurance policy, but sadly this only covered around £6,000 of the £25,000 total cost. Whilst some companies offered a refund in view of the circumstances, many did not, including the dress designer and the photographer which, between them, added up to £4,500 alone.

Supplier Failure?

The dress designer justified her decision by explaining that the dress had been made to measure, and that the chances of being able to find someone of the exact same size and build who wanted the same style were so small that a refund was simply not possible. The photographer eventually bowed under pressure from the local paper and offered an undisclosed partial refund, but still pocketed the majority of the fee paid for in advance by Matthew and Debbie.

This is a terrible, tragic story, and one which is deeply upsetting. But it does also demonstrate that, no matter how young and invincible you may feel, no matter how strong your love for each other and how happy and rosy the future looks, none of us can be certain about anything, and taking out insurance does at least mean that those who are left behind to pick up the pieces have at least one thing less to worry about.

But this story also demonstrates the importance not just of having wedding insurance, but having the right wedding insurance. If your wedding costs more than your insurance policy covers then you need to accept that if something goes wrong, you will inevitably have to cover the difference out of your own pocket. If you’re happy with this, then that’s fine, but if you would struggle to cover the cost, you may be better off making sure that you take out a policy which covers everything. It might be a few pounds more, but in the long run it’s going to offer the peace of mind and comfort that will be sorely needed should the worst happen.

Sources:

Liverpool Echo
Daily Mail

Ecclesiastical to Cease Selling Wedding Insurance

Ecclesiastical LogoWedding insurance provider Ecclesiastical has announced today that it will cease sales of its wedding insurance product from the end of this month.

The decision comes after a strategic review and the insurer’s plans for a stronger focus on its core business areas.

Ecclesiastical have said that they will honour any policies purchased before 31st August 2012 and that the product will still be available to buy until that date.

Ecclesiastical has been providing wedding insurance in the UK for over ten years and in that time has helped protect thousands of wedding ceremonies and receptions across the country. The
insurer offered the first mix-and-match wedding product on the market, allowing customers to tailor their wedding insurance according to their individual needs. Wedding insurance specialists at Ecclesiastical have helped couples through venue bankruptcies, supplier failures, wedding dress disasters, floods and ash clouds.

Mike Mintram, SME, Schemes and Personal Lines Business Director at Ecclesiastical, said:
“As a result of a detailed review of our wedding insurance book and the products and services we offer as a business, we have made the decision to stop offering wedding insurance and focus our efforts on the core areas of our business.”

“Our wedding insurance product has been very popular over the last ten years and we have certainly done our bit to get a number of marriages off to a good start. Wedding insurance should still be a top priority for anyone planning a wedding and there are many good insurance providers on the market able to offer this cover.”

“Customers who have purchased a wedding insurance policy with Ecclesiastical before 31st August 2012 will not be affected by this decision and will continue to have insurance cover in place for their big day for the duration of their policy with us.”

Does A Credit Card Render Wedding Insurance Surplus To Requirements?

Credit CardsIn earlier articles about wedding insurance, we have made mention about the cover afforded by Section 75 of the Consumer Credit Act 1974 and how it can often cover things that you are seeking to cover under a wedding insurance policy. For that reason, we are devoting a whole article on what is covered by this clause, what is not covered and how it applies.

The first thing to understand about this clause is that it only applies to credit cards and store cards. It does NOT apply to debit cards, cash transactions or charge cards. It is important that you understand this, as there have been many cases of people using their debit cards and then finding that Section 75 does not apply!

Having got that out of the way, let us consider what is covered in the context of wedding insurance and where there are overlaps. Basically it puts the creditor, i.e. the credit card company, in the same position as the supplier. They are considered jointly responsible. Therefore, if you paid for your venue using your credit card, and the company went bust, you can claim the refund from your credit card company as if they were the venue company. It is worth understanding that this law was made back in 1974 to protect people taking goods and services under a credit agreement, who then found that the said service or goods were not supplied or were faulty. It prevented them having to repay for something they never had.

Deposits

One area of confusion occurs where a person pays only the deposit for an item or service. For section 75 to apply, your payment needs to be over £100. Therefore, if you pay a deposit of £100 or more, if that items or service fails, you can still claim the whole loss. For example, if you bought a car for £10,000 and paid the deposit originally on your credit card, if the company went bust and you did not get your car, you can still claim the whole £10,000 under the section 75 law. One thing that you need to understand also is that the law clearly states that there must be a direct relationship between you and the person/company you are purchasing from. For example, a lot of people these days use an intermediary payment service like Paypal or Moneybookers. This instantly removes the direct legal contact between you and the supplier, so the law will not apply in these cases.

Chargebacks

One final area in our brief overview of this subject is what happens if your payment is under £100? Well there can still be a remedy here also, using your credit card. There is a system called a `chargeback`, where the credit card company will suspend the payment to the supplier, or even retrieve the payment until the dispute is resolved. It is not as reliable as the Section 75 law, but the credit card companies are pretty good at resolving these types of disputes in favour of their customers.

So Why Do I Need Wedding Insurance?

If payments could be covered by either the Consumer Credit Act or a chargeback, why on earth would you bother with wedding insurance then? The answer is simple, wedding insurance covers you for so much more! As well as the obvious like public liability claims, marquee cover or claims relating to death or injury, wedding insurance would also cover you for related costs. If, as in the example we used earlier your venue went bust and you had to re-arrange the day, you might be able to claim for this under Section 75 if you paid using your credit card. However, the credit card company would only be equally liable for THAT transaction and wouldn’t cover you for the related costs of perhaps having to re-arrange your photographer, your florist, the caterers etc.

Wedding insurance certainly makes sense then and with premiums starting from around just £20, it seems daft not to take out a policy. Take a look at our comparison table to compare policies from a number of providers.

References:

http://www.moneysavingexpert.com/shopping/section75-protect-your-purchases

A Wedding Insurance Policy For The Best Man?

Groom with best manSometimes it seems almost as though the idea of wedding insurance may have started simply to cover anything the Best Man might get up to. If you haven’t yet got yourself a wedding insurance policy, take a good long hard look at your Best Man, and ask yourself just how reliable he is.

Gillian and Mike’s wedding didn’t go quite as planned thanks to Mike’s Best Man who managed to lose the rings. He claimed to have put them in his waistcoat pocket, but when it came to the ceremony itself and he was asked by the priest for the rings, his pocket was distinctly empty. Gillian and Mike had no option but to borrow a couple of rings for the wedding itself, and as the rings never did materialise, relied on their wedding insurance policy to pay for replacements.

Falling cakes and torn suits

Susan and David’s wedding was similarly jeopardised by their Best Man. Although he didn’t lose the rings, and in fact the ceremony itself went very well, when it came to the reception things didn’t run quite as smoothly. The Best Man somehow managed to walk straight into the wedding cake, with the result that the entire lot ended up on the floor upside down. Not only was the cake ruined, the carpet needed professional cleaning, for which the wedding insurance paid.

Then there was the best man who, perhaps, had a little too much to drink, and whilst ‘throwing some shapes’ on the dance floor ended up tearing a rather large hole in the trousers of his hired suit. When the Groom returned the suits a few days later, he was faced with a rather large bill for the repairs.

Finally, there’s Anne and Stuart, whose Best Man was clearly a little anxious. The service was beautiful, with candles and paper decorations strewn throughout the hotel room. Just as the vows were about to be exchanged, things got a bit too much, and the Best Man found himself reverting to a horizontal position by means of a gentle backward plummet. As he fell he managed to knock over a tall candelabra which promptly managed to set fire to the paper decorations, which happened to be quite near the expensive curtains. Fortunately no one was injured, but the wedding insurance policy was required to cover the fire damage.

If your Best Man is completely reliable, then good luck, but if he happens to be human, getting a wedding insurance policy in place might be a good idea.


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 UK General Insurance Limited, Insure For Travel Limited and Voyager Insurance Services Ltd who are all authorised and regulated by the Financial Conduct Authority. Leyton Solutions Limited is also an Introducer Appointed Representative of Blue Insurances Limited who is authorised by the Central Bank of Ireland and regulated by the Financial Conduct Authority for UK Business.

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