Wedding insurance advice

Wed­ding Insur­ance: What Could Pos­si­bly Go Wrong On My Big Day?

Guest blog post writ­ten by Adam Leyton

So your big day is nearly here. The table plan is done, the place cards are writ­ten, and the wed­ding favours are just about made. Even the weather fore­cast is look­ing good! You’ve spent the last 18 months work­ing on every last detail to ensure the per­fect wed­ding day and it’s all com­ing together won­der­fully. What could pos­si­bly go wrong?

Unfor­tu­nately, plenty. Despite the great­est atten­tion to detail and care­ful choos­ing of only the most reli­able sup­pli­ers, sadly things do go wrong at the last minute and there’s usu­ally very lit­tle that can be done about it.

What wed­ding insur­ance is for

For­tu­nately though, most things can be sorted pretty eas­ily. How­ever, when things do go wrong not only do you have to deal with the impact that might have on your big day, it could also end up being fairly costly. That’s where a good wed­ding insur­ance pol­icy can help out. Whilst it’s not going to stop any­thing from going wrong, at least if the worst hap­pens you’ll know you’re not going to have a big bill to pick up too.

For exam­ple, if your Grandma (or indeed any other close rel­a­tive) falls ill just before the big day and you choose to post­pone the wed­ding, a good pol­icy will reim­burse any expenses that you incur as a result of hav­ing to rearrange everything.

Or, if your venue goes bank­rupt before the wed­ding, your insur­ance pol­icy should help you to recover any lost deposits so that you can quickly go ahead and book an alter­na­tive. It’s worth remem­ber­ing to try and pay any deposits by credit card as any­thing over £100 may also be cov­ered under Sec­tion 75 of the Con­sumer Credit Act.

Wed­ding insur­ance will also cover the smaller things too. Take for exam­ple the Best Man who’s per­haps had a few too many whiskeys at the bar and becomes a lit­tle ‘enthu­si­as­tic’ on the dance floor. He ends up rip­ping his hired trousers which the hire com­pany will charge for on their return. Your wed­ding insur­ance pol­icy should cover this cost.

What wed­ding insur­ance costs

The good news is that pre­mi­ums have been drop­ping con­sid­er­ably over the last year and the cost of a wed­ding insur­ance pol­icy is often lit­tle more than that of feed­ing just one addi­tional guest. In fact, £5,000 of cover in respect of com­plete can­cel­la­tion is avail­able for under £20! Per­haps it’s worth it just for the peace of mind?

Web­sites such as www.compareweddinginsurance.org.uk list many of the lead­ing UK providers and let you eas­ily com­pare the poli­cies that are available.