I had never heard of wedding insurance until I started working in the wedding industry as a Wedding and Events Coordinator. As someone who is quite happy go lucky with life and an ‘if its meant to be, it’s meant to be’ kind of girl, I have to admit – although not married, or engaged (yet!), Wedding insurance is something that I probably wouldn’t have considered. However, I have witnessed a few events recently that have reiterated to me the importance of wedding insurance.
I recently looked up synonyms of the word insurance, I love a synonym! And the results were, protection, assurance and security – three important words that you 100% need when you are planning the biggest day of your life! A day that you have spent months organising and planning, that you have spent years dreaming about and a lifetime looking forwards to!
Wedding insurance is SO important and should be one of the first things you take out after booking your dream wedding venue – as soon as you begin to spend money on your wedding, your wedding insurance will act as a back-up, in case of the unexpected!
It doesn’t just cover you if you have to cancel your wedding, it covers so much more, there are so many different policies and options out there but when you read the fine print of the polices, your wedding insurance will cover things you have never even thought about!
I am not going to go into too much detail, because you can find everything you need to online in the FAQs of the Insurance Company websites, but I have written a few top tips when shopping around for wedding insurance:
- Don’t just go for the cheapest option, policies start from around £20, however consider your overall budget and choose a policy which will cover you for the total costs of your wedding should a cancellation occur.
- Make sure you know what is covered by the policy and what isn’t
- One thing most insurance companies will need, is a contract between you and all your suppliers, so make sure you have signed a contract with each and every one of your suppliers.
- As soon as you have booked your wedding venue – take out insurance, most policies cover weddings up to 2 years away – anything could happen whilst you are planning your wedding that means you would need to claim on your insurance.
Fingers crossed you will never need to use your wedding insurance, but with the average cost of a UK wedding at £27,161 in 2017, what is a fraction of your budget spent to cover the ‘what ifs’ and give you peace of mind, that if something did go wrong, you would have the budget to re do the I Do’s further down the line!
Photography – Lee Gibbins