As well as taking out a wedding insurance policy to cover the wedding itself, you also need to think about adequate insurance for your honeymoon.
Honeymoon insurance is generally just another name for travel insurance and you'll probably find that most travel policies are adequate for covering your honeymoon.
Honeymoons are often not like traditional holidays though. For example, people often choose to do adventurous activities such as bungee jumping, scuba diving, horse riding and skiing, and it may well be the case that these activities are not covered by a standard travel insurance policy.
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It's also often the case that people choose their honeymoon destinations with a view to exploring more remote, adventurous or exciting destinations which might not be chosen for normal holidays. This may involve additional risk factors, such as the region being politically sensitive, or prone to natural disasters such as floods, volcanoes, earthquakes and tornadoes. Read the small print carefully and if necessary, add on some additional cover.
Single Trip or Multi Trip?
Single trip travel insurance, as the name suggests, covers you for a single trip. This is often the cheapest way of buying cover but if you're planning on travelling again with the next 12 months it may work out more economical to buy a multi trip policy that covers you for a full year.
What Is Honeymoon Insurance?
Honeymoon insurance, much like travel insurance, protects you in four main ways:
- If your honeymoon has to be cancelled because of health problems, travel problems or issues with the destination
- Medical care & treatment if you fall ill or have an accident
- Travel & transport back to UK if needed in an emergency (such as a serious medical issue that can't be treated abroad, war or natural disaster)
- Lost/stolen luggage
However, different policies and insurers will offer different options, terms, conditions and restrictions, and so it's important to read the small print carefully.
How Can I Get The Best Deal On Honeymoon Insurance?
It's important to be aware that the best deal as far as honeymoon insurance is concerned may well not be the cheapest. Be prepared to pay more for a better level of cover - you'll be very glad of it if you need to rely on it in an emergency. Remember, honeymoon insurance is there to protect you if the absolute worst happens, and it's exactly when the absolute worst does happen that you don't want to find you're unprotected because you wanted to save a few pounds on your premium.
Having said that, there are a few things you can do to help lower the overall cost of your honeymoon insurance:
- Choose a higher Voluntary Excess - The Voluntary Excess is the amount you contribute towards any claim. So if you needed £1,000 to replace lost luggage and your Voluntary Excess was £150, the insurance company would pay the remaining £850. The higher your Voluntary Excess, the lower your premium.
- Think long term - Honeymoon insurance normally protects you for one single trip. If you're planning on travelling again later in the same year then a more cost effective solution is to take out an annual travel insurance policy, as long as it still offers you the protection you need for both your holiday and your honeymoon. If you know you'll definitely not be travelling abroad again for at least the next 12 months then single trip insurance is almost always going to be very much cheaper.
- Shop around - Insurers vary tremendously, both in what they can offer, and what they'll charge. It's important to sit down and think about what you really need from your honeymoon insurance, as well as what you don't need, and then compare as many insurance companies as you can in order to get the best deal. But just remember, the best deal isn't necessarily the cheapest deal - it's the one that represents the most appropriate form of cover at the best price.
Finally, if you're having your wedding abroad as well, you'll need to think about making sure that items such as your wedding dress and wedding presents are also covered, either by an extended wedding insurance policy, or your honeymoon insurance.
We do not endorse or recommend any particular travel/honeymoon insurance provider and you should always look carefully at the policy details before purchasing to ensure that the cover provided is right for you. Other providers of travel/honeymoon insurance may be found elsewhere - we have merely provided a selection to get you started.
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Leyton Solutions Limited is an Introducer Appointed Representative of UK General Insurance Limited, Insure For Travel Limited, Voyager Insurance Services Ltd and NDI Insurance & Reinsurance Brokers 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.