Wedding gifts on a table.

Protect Your Wedding Gifts with Wedding Insurance

Wedding 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.

Protect your special day with wedding insurance

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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:

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:

What you may not be covered for:

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

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

And finally...

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.

Protect your special day with wedding insurance

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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 Emerald Life Limited, Insuremore Ltd, UK Oasis Group Ltd 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 Insurance Limited who is authorised by the Central Bank of Ireland and regulated by the Financial Conduct Authority for UK business.

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