Wedding Insurance Articles

Protect Your Wedding Gifts with Wedding Insurance

Wedding GiftsWedding gifts can amount to a startling total value, so it is important to take a little time and check that you have suitable insurance in place in case they are lost, damaged or stolen during the excitement and merriment of your wedding day.

Often overlooked when it comes to insurance, wedding gifts are given in love and best wishes for the happy couple’s future together. From an insurance point of view, they are incredibly valuable. If you do the sums, 75 guests giving a gift of an average £50 each would mean a staggering £3750 in total. So, it is important to consider taking a little time to check that your gifts are insured.

What could go wrong?

While this would not bring back the gifts and would have an impact on the wedding day at least the insurance would be there financially to support the replacement of them.

Particular items of interest to thieves are the wedding presents. How often have you seen them piled up in a corner at the end of the night, waiting for the parents or some other relative to collect them and take them to some safe storage until the newlyweds return home? There have been some remarkably brazen thefts of presents from wedding receptions, often recorded in the local papers.

Will my home insurance cover wedding gifts?

Often, the answer to this question is yes, it will. However, you do need to check a couple of things and remember that it’s only the wedding gifts that might be covered – your home insurance is no substitution for a comprehensive wedding insurance policy:

  • Your insurer will require a certain amount of notice in order to increase the amount you are insured for in order to cover the gifts;
  • What is the maximum value that your home insurance will cover? If you expect to receive a significant value of gifts you may not be able to increase your contents insurance cover accordingly. In this instance, you will need to take out additional insurance.

Some providers of home insurance, Direct Line being one example, may increase cover automatically by a certain percentage for a short period of time before and after the big day.

What you should expect to be covered for:

Whether you use home insurance or a specific wedding insurance policy, you should expect the value of your wedding gifts to be covered for:

  • Loss or damage due to fire, theft, or accident whilst being stored by the policy holder or close family member;
  • Loss or damage to gifts in transit or on display at your wedding venue;
  • Cover for a short period or time – often for around a week before the wedding and 24 hours, or until a claim is made, whichever is sooner.

What you may not be covered for:

Remember that you will not be covered in all circumstances. For example:

  • Money and vouchers may not be covered at all, or only up to a specified amount;
  • Some policies will not cover damage caused by people under the influence of alcohol;
  • Check if gifts for attendants are covered, i.e. bridesmaid’s gifts, best man’s gift;
  • Any loss (other than damage) not reported to the police, usually within a 24 hour timeframe;
  • Loss or damage due to normal wear and tear or general use;
  • Theft from an unattended vehicle, unless the gifts are in a locked boot or glove compartment, and entry has been forced to the vehicle;
  • Theft from the home or wedding venue, unless entry has been forced;
  • Any costs arising from the failure of a wedding gifts supplier not contracted and pre-paid by the policy holder.

You will also be required to pay any excess agreed to in your insurance policy.

And finally…

  • You will need to provide your insurer with receipts for wedding gifts, money and vouchers if you make a claim.
  • Note if you use a gift list service, and get your gift insurance through the same provider, your insurance payment may be in the form of shop vouchers.

While insurance cannot make a difference to the disruption caused by the loss, damage or theft of precious wedding gifts it can, at least, help to relieve the financial strain for the bride and groom.

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.

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.”


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 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 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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