Road Closed Due To SnowA white wedding is considered a traditional requirement by many, with wedding insurance apparently having little do with the matter. However, consider the following wedding disaster which occurred only this week, thanks to the traditional white weather we’ve been experiencing in the UK.

Jonathan and Karen had planned their dream wedding – a rural location, an idyllic little chapel, and a winter date set in the hope of a white wedding – with a picture perfect blanket of snow. They were overjoyed when the snow was forecast, but as the date of their wedding grew ever closer, and the warnings about heavy weather grew ever more severe, the hopeful couple began to worry.

The thing about remote rural locations is that there are few access routes, and in Jonathan and Karen’s case, there was just the one. When it became apparent that the snow was not merely a blanket, but the equivalent of a duvet warehouse uploaded on the whole area, their wedding dreams lay in tatters.

The wedding venue was entirely inaccessible, and had to be cancelled. Fortunately there was hope, and they were able to book an alternative location nearby at very short notice, and enlisted the support of all the locals who owned 4×4 vehicles to drive everyone to the new venue.

However, such last minute changes didn’t come cheaply, with the new venue costing £4,000 alone. With the UK’s weather becoming ever more unpredictable, and severe, from summer flooding to winter snow and ice, and from spring hurricanes to autumnal tornadoes, planning a wedding around the weather is impossible. The only certainty is that any last minute changes or cancellations will cost you a very great deal of money, or heartache, or both. Unless, that is, you have excellent wedding insurance in place.

Wedding insurance won’t guarantee you the ideal weather you’re hoping for, but at least if things go wrong, which they do every year, you’ll be covered by more than an umbrella.

Don’t forget that wedding insurance (as with most insurance policies) usually doesn’t cover you for known conditions. For example, if there’s already a foot of snow on the ground, there’s probably not much point rushing out and buying a wedding insurance policy. If you already had it before it even started snowing, you’ll probably be alright though.

There is more information in this article that explains about “known conditions” in a little more detail.

InsurerUp down arrow Cancellation CoverUp down arrow PriceUp down arrow ExcessUp down arrow Link
Weddingplan
Diamond +
£17,000 £57.84 £25 Visit Weddingplan »
Weddingplan
Gold
£10,000 £36.79 £25 Visit Weddingplan »
Weddingplan
Silver
£7,000 £26.29 £25 Visit Weddingplan »
Debenhams
Gold
£10,000 £59.95 £50 Visit Debenhams »
Debenhams
Emerald
£15,000 £79.93 £50 Visit Debenhams »
Dreamsaver
Gold
£10,000 £37.00 £0 Visit Dreamsaver »
InsureForWeddings
Gold
£10,000 £35.99 £25 Visit InsureForWeddings »
Wedinsure
Tier 2
£10,000 £37.00 £0 Visit Wedinsure »
Wedinsure
Tier 1
£7,500 £29.00 £0 Visit Wedinsure »
Weddingplan
Diamond
£12,500 £47.32 £25 Visit Weddingplan »
Dreamsaver
Amber
£15,000 £57.00 £0 Visit Dreamsaver »
Wedinsure
Tier 3
£15,000 £47.00 £0 Visit Wedinsure »
WeddingInsuranceToday
Gold
£10,000 £35.00 £25 Visit WeddingInsuranceToday »

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

Ref: http://news.bbc.co.uk/1/hi/uk/8421788.stm

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.