There are a number of other companies that offer policies for insuring weddings, however after researching numerous user sites and reading countless wedding insurance reviews, we found John Lewis the better choice, for price and coverage. Other companies include, Debenhams, Weddingplan, Insureforweddings and Ecclesiastical.
It’s refreshing to know that all hope is not lost if a wedding is canceled. Weddings are important events that take a great deal of money and time to orchestrate.
This is a special day, the focus should be on the bride and groom, not on the possibility of cancellation, but unfortunately things don’t always go to plan. I’ve read stacks of wedding insurance reviews and will provide the best advice for you below.
For a wedding to take place, requires a lot of planning and follow-through on the part of the wedding planner. This can sometimes overwhelming. There are many things that can go wrong and most of those can be outside of the wedding planners control. It is times like these that wedding insurance becomes so critically important.
There are many providers of wedding insurance. It is wise to shop around for a company that provides the exact policy at a fair price. Companies base their policies on the following criteria:
- Cancellation of the wedding or the reception.
- Damaged, stolen, or ruined wedding ceremonial attire.
- Coverage of wedding cars and transportation.
- Failure of suppliers.
- Personal Liability.
- Wedding Gifts.
- Damaged photographs.
Cancellation of the wedding or reception can occur for many reasons. Weather is a primary cause of a canceled wedding or reception. That should be of no surprise since the weather in the UK is famous for being unpredictable.
Illness is another reason why a wedding may be canceled. Wedding insurance should be designed to cover the unexpected. The goal is to be able to set up another wedding or reception.
Whether rented or purchased, wedding attire can become damaged or stolen, this author most certainly can vouch for that happening at his own wedding. Either way, whether accident ot intentional theft a good wedding insurance company will cover you for this.
The goal is to be able to replace the gown quickly without having to cancel or postpone the wedding, and if during the wedding itself, then the insurance needs to cover the replacement cost for the item damaged.
Wedding Transportation Coverage
It’s important to be covered with an insurance policy that includes automobiles. Transportation to and from a wedding is critical, and is often something that can
Failure of Suppliers
There are many reasons why a supplier suddenly can not complete their contract to service a wedding. When looking at wedding insurance, make sure that there is a clause that helps to recover money that is spent to replace a non-performing supplier. All is not lost if a supplier is unable to perform their duties. However finding a replacement supplier at the last minute is going to cost more.
Any number of things can happen that may be cause for a personal liability law suite. Weddings are magical events but we’ve heard horror stories of things not going to plan. Claims can be made regarding damage to a building, landscaping, or rented equipment. Wedding insurance should indicate how an insurance company responds to personal liability issues.
There is a significant amount of money tied up in wedding gifts. They have been known to get stolen or broken, damaged or misplaced. Wedding insurance should have a clause in the policy that covers wedding gifts.
This strategy is more of a replacement value, than it is about compensation. It pays to read the policy on gifts and make sure you are covered for this, should you feel it is important.
Many things can happen to equipment such as camera’s, etc… Wedding insurance should have a section that deals specifically with photographs, video or any other method of capturing a weddings progress. Wedding insurance should include damaged photograph liabilities and how the insurance company deals with these issues.
There are many things that can go wrong in weddings, leading up to and during the big day, so being prepared with insurance is not a bad move, considering you don’t get married everyday. It’s bad enough when that special day does not go off correctly, however fighting with an insurance company to recover a claim only makes a bad situation worse. A good tip is to research the options available for wedding insurance.