A 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.
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Please see the full comparison table for all levels of cover available from these insurers.
What to look for in your policy:
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
Many 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.
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.
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.
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.