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Wedding insurance is as essential to your wedding planning as your wedding dress.  Consider how much you spent on your car, was it less than the sum you are about to invest in your wedding?  Would you even consider not having adequate car insurance?  No?  Then why wouldn’t you insure your wedding – when the average cost these days can fall between two and three times the cost of an average family saloon car?

A wedding insurance policy is comparatively cheap for insurance which covers a wide range of different parts of your wedding day.  Cover can be arranged that gives you reassurance about the largest disasters (wedding cancellation) through to some parts that may give minor disruption but not devastating consequences (wedding cars not arriving, for example).

Before deciding on the items that you need insurance cover for, and the value of cover that you will need, it will be worth investigating a couple of other sources of cover that may be available to you.  If you have sufficient limits on your household insurance policy, you may find that items such as the wedding gifts, wedding rings and wedding dress/attire are covered whilst in your home.  A call to the insurance broker should be able to confirm this and/or give you a quote for the extension of cover required to the household insurance.

Items purchased or booked for your wedding and paid by credit card will often carry a level of insurance cover from the credit card provider.  In these cases, a wedding insurance policy may be duplicating cover that you already have.  For example, if the wedding car supplier went out of business before your wedding day, your credit card supplier would most likely cover the refund of any deposit or payment made by the card.

When you have considered each of the alternative insurance options available to you, if you decide that a more comprehensive wedding insurance policy better serves your needs, start shopping for it as early as possible.  Most wedding insurances offer cover on a fixed scale of fees, providing cover until 24 hours after your wedding date.  The sooner you arrange insurance cover the more reassured you can be about issuing deposit payments to the wedding suppliers, etc., so make wedding insurance one of the priorities when you’re planning the wedding suppliers list.

When assessing the level of cover you may need, take into account the various items that come together to make your wedding day:

Wedding Cars / Transport Cover

If the wedding transport fails to show or they go out of business before your wedding day, the wedding insurance will cover a refund of your costs.

Wedding Rings Cover

The age-old ‘joke’ of the best man losing the rings  – it can happen, and it’s not funny!  It’s also possible for theft or loss of the wedding rings to happen any time up to your wedding service.  Check that the amount specified in the wedding insurance policy is adequate to cover the total value of both the bride and groom’s wedding rings.

Wedding Flowers Cover

If the florist goes out of business before the wedding day or doesn’t arrive with the floral decorations or buttonholes on the wedding morning, although the wedding insurance won’t replace these, it should cover the cost that you have outlaid to the florist supplier.  It means that your last minute replacements won’t be an additional cost to the wedding day.

Wedding Dress / Attire Cover

Accidental damage to the wedding dress ranks amongst the highest of claims made against wedding insurance.  Imagine the loss and devastation that you would feel if a burst water pipe or fire or other unexpected event was to cause loss or damage to your beautiful wedding gown.  Most wedding insurance policies will cover the wedding dress and the outfits of the main bridal party, but where suits, etc. are to be hired, check who’s responsibility it is for insurance, the supplier or the hirer (most will be the responsibility of the hirer, but some suppliers will offer their own additional insurance cover).

Wedding Caterer Cover

If the wedding caterer goes out of business or – even worse – fails to show up at the wedding reception venue on the date, adequate wedding insurance will cover a refund of the large sum that you have paid to them, leaving you to be able to make emergency alternative arrangements without suffering the additional inconvenience of extra costs to your wedding budget.

Wedding Reception Venue Cover

If a last minute disaster prevented you from using the wedding reception venue that you had booked, fire or flood for example, wedding insurance would cover the last minute alternative that you had been forced to arrange.  If your chosen reception venue were to close or go out of business the wedding insurance policy would reimburse the payments you had make, allowing you to choose a different reception venue location without suffering a financial loss.

Wedding Cake Cover

The extravagant creation of your masterpiece wedding cake will be finished and then transported to the wedding reception venue.  In almost every case this is done by experienced people and is successful, but disasters can happen!  If your wedding cake isn’t delivered, or anything causes it to be damaged, your wedding insurance policy will cover the cost.

Wedding Photographer and Photography Insurance Cover

A lot of things can happen surrounding your wedding plans and wedding day that are totally beyond the couple’s control; the photographer not turning up, the photographs not being able to be processed because of technical problems, etc.  Adequate protection from wedding insurance will help alleviate the cost should these difficulties occur.  If your wedding pictures don’t turn out, then you have the opportunity to have the bridal party and many of the guests reassembled and have them re-taken, thanks to your wisdom of having your wedding day adequately insured against such mishaps.
 
Wedding Present Insurance

Wedding day insurance will reimburse the cost/value up to a specified sum for damage to, or theft of, wedding presents.  One of the higher number of claims relating to wedding insurance policies is the collapse of tables holding the gifts at wedding receptions, or accidental damage of more delicate presents such as glass or crystal items.

Wedding Guest Liability Cover

Most wedding insurance policies give a level of liability insurance if someone is injured at your wedding.  The level of cover often has an option to increase the amount should you need to do so.  Some of your suppliers (marriage location, reception venue, etc.) will carry their own liability insurance, so it may be prudent to check this out before extending the level of inclusive cover.

Wedding Cancellation Cover

If the bride or groom change their mind or run for the hills, this won’t be covered by wedding insurance!  However, if an event beyond your control, such as the death of a close family member or illness in the family (or of the bride or groom), that causes your wedding to be cancelled or postponed, then the insurance will cover a refund of your expenditure up to a stated amount.  If extreme weather conditions cause your wedding to be cancelled due to the guests being unable to attend, or the venue being adversely affected, then the wedding insurance will apply.  However, if you are unfortunate enough to have bad weather on the wedding day it is unlikely that the insurance would cover such circumstances (you may wish to try a bookmaker!). 

Marquee Cover 

Most wedding insurers offer marquee cover as an optional extra.  Not all weddings will need this and those using a marquee should check with the hire company if an additional level of insurance cover is needed before adding it to the policy.

The months before your wedding day can be quite stressful, while you’re trying to get everything organised and perfectly timed.  No one wants to think of things going wrong at your wedding, but wedding insurance will give you the peace of mind that your deposits and outlay to the wedding suppliers are insured and will be refunded in the event that anything did go amiss in the period leading to your wedding date or on the day itself.  Wedding insurance will take away some of the worries that you may have and is a good investment to make.

At Dreamsaver Wedding insurance we often receive questions from couples regarding what public liability cover they need for their wedding and what is the difference between the Personal Liability and Public Liability sections in the policy.  

In essence they are very much the same thing and both sections provide cover against the amounts that you may be held legally liable for if you accidentally cause injury or illness to someone else or damage to their property. The difference is in who is actually insured by the particular policy section. 

Personal Liability – All Dreamsaver wedding insurance policies include cover for the liability of the Bride and Groom as standard, under section 11, Personal Liability.  This section only insures the couple for their own actions, which is why we have called it Personal Liability.  It does not cover accidents caused by anyone else, such as the guests, and does not cover any liability that may arise purely because of any contract, such as with the wedding venue.

Public Liability – More and more venues are now requesting that couples have public liability cover in place for their wedding celebrations, including liability for accidental injury or damage caused by the guests.  This can be provided simply by selecting the optional ‘Public Liability’ extension, Section 12, and paying the additional premium when you purchase the Dreamsaver Wedding Insurance policy. 

Many venues now also require a higher limit of indemnity for liability. We therefore offer a further option to increase the Liability limit from £2,000,000 to £5,000,000.  This not only increases the Personal Liability limit but also increases the Public Liability limit whenever that section has been selected.

Many other wedding insurance policies just refer to “Public Liability” when this is usually restricted to the liability of the couple only and does not cover the rest of the guests. Several policies do not even have the option to extend the cover to include the liability of the guests. This could leave you severely out of pocket if a guest damages your wedding reception venue and you don’t have the appropriate cover in place. If you are unsure or have any questions please call us on 01483 562 662.

‘People need to be careful when they are comparing wedding insurance policies. We would urge them to read the wordings of each policy carefully to ensure that the wedding cover meets their needs. We do not want a couple to think they are insured for something when they are not. At Dreamsaver we are always happy for anyone to call us if they have any questions prior to purchasing a policy’ stated Jonathan Buttery, managing director of Voyager Insurance Services Ltd, who operates Dreamsaver Wedding Insurance.

Most Wedding Insurance comparison sites compare wedding insurance based on price. However choosing a policy solely on price could be a false economy for couples getting married.

While everyone in the current economic climate wants to make sure they are getting the best value for money, some cheaper policies have lower prices because they have lower levels of cover, potentially leaving you under-insured for your big day and out of pocket if something goes wrong.

Couples usually decide on the level of cover they need by comparing cancellation cover. This is the total amount that your wedding will cost if you need to cancel. This is a stand-alone section and is NOT in addition to any other sections of the policy, for example if you needed to cancel your wedding the cancellation cover was £6,000, you would not be then be able to claim on the Wedding Flowers, Gifts and Cake section as well; the other sections are not in addition to the cancellation limit.

Similarly, not all policies are the same when it comes to re-arrangement costs, i.e. when a wedding is postponed and not all costs are lost. In some wedding insurance policies this is only 50% of the cancellation cover, in Dreamsaver Wedding Insurance policies it is 75%, giving you more flexibility if you have to re-arrange your wedding.

Other things to consider include Public Liability, some policies will only cover the Bride and Groom and cover cannot be extended to the guests, which may be requested by some venues. Dreamsaver Wedding Insurance gives you the option to extend public liability cover to your guests and increase the limit from £2m to £5m.

‘Although on the face of it some policies look cheap it can be because they do not have the breadth of cover that some slightly more expensive policies have. Often the difference in cost is less than the price of a couple of drinks at the wedding reception and is a negligible in terms of the total cost of the wedding. As with all insurance policies we would urge customers to read the policy wording so that they know exactly what they are covered for prior to purchase’, commented Jonathan Buttery, managing director of Voyager Insurance Services Ltd, who operates Dreamsaver Wedding Insurance.

Research undertaken by Dreamsaver Wedding Insurance has revealed that couples are typically leaving it until 1 or 2 weeks before their wedding day in order to buy their wedding insurance.

One of the major benefits of a Dreamsaver Wedding Insurance policy is that it can be purchased up to 2 years before the wedding ceremony date, protecting your money against a wedding cancellation (within the scope of cover) or a wedding supplier going bankrupt throughout this entire period. With the cost of the average wedding in excess of £20,000 it makes sense to have some sort of financial protection to safe-guard deposits, particularly with wedding venues taking bookings many months in advance.

The biggest culprits for leaving it late to buy wedding insurance are men, with a significant number buying a wedding insurance policy the week before the ceremony! This is unwise as the financial failure of wedding suppliers’ cover only applies 14 days after the policy has been bought, potentially leaving these couples out of pocket should the worst happen and they need to make a claim.

With 2 years of cover it makes sense to purchase Wedding Insurance as soon as possible.

‘I am surprised that couples are leaving it late to buy Wedding Insurance. With the average wedding costing £20,000 I would personally want that protected as soon as possible, if your wedding cost increases during the period of cover, we are more than happy to increase your level of cover for you.’, stated Jonathan Buttery, Director of Voyager Insurance Services who operate Dreamsaver Wedding Insurance.

Most standard Wedding Insurance policies are not ideal to cover Asian Weddings or Shaadis. The vast majority are geared to the typical western wedding of one wedding ceremony and one reception. Many Asian wedding celebrations, however, involve more ceremonies such as Roka, Shagan & Chunni Shada, Mehndi and Sangeet. Shaadi’s also tend to take place over a longer period of time and can require a higher level of cancellation cover in order to financially protect these celebrations.

Some wedding insurance providers will allow you, through special agreement with underwriters, to cover more events and the higher potential cancellation costs of Asian weddings. This can take time to coordinate, get agreement and invariably involve an additional premium to pay for the extra cover.

A much simpler option is just to buy directly from Asian Wedding Insurance. This wedding insurance product has been specially created to meet the needs of Asian couples getting married. The policy automatically allows couples to insure up to 6 wedding events (including the wedding ceremony and main wedding reception) over a total period of 94 days, far more than most standard wedding insurance products allow.

Asian Wedding Insurance has a choice of policies each with different levels of cancellation and other sections: Pearl has £15,000 of cancellation cover, Sapphire has £30,000 of cancellation cover and Ruby has £50,000 of cancellation cover. For an additional premium the Ruby level of cancellation cover can be extended to £100,000.

The Asian Wedding Insurance policy also has optional extensions to cover marquees including mandaps and increased public liability, required by some venues.

Prices for Asian Wedding Insurance start from £59 for the Pearl level of cover and can be bought online from www.AsianWeddingInsurance.co.uk.

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