A wedding day is a momentous occasion on the journey of most people’s lives, a special moment to enjoy with friends, family and your new partner, but why take the risk of not insuring this big event and leave yourself open to mishaps that could potentially ruin one of the biggest days in your life? Luckily for you, safety comes in the form of quality
wedding insurance for all of you lucky couples about to tie the knot.
In fiscally prudent times such as these, setting aside money for your wedding day is now more difficult than ever before. How terrible would it be after months of planning, of booking the photographer, the caterer, the florist and organising where to have the wedding, then, if by chance something were to go wrong, such as inclement weather the caterer going out of business or the flowers arriving at the wrong address?
On a day when most people envisage everything coming off without a hitch, something like the aforementioned problems could be enough to put a real dampener on the entire day and spoil it for not only you, after all your months of planning, but for your guests also. So, why even take the risk?
The average wedding this year will cost
around £20,000, a huge amount of money, especially to leave up to chance should not all go according to plan.
Wedding insurance rates are generally very affordable, with most insurers offering you a range of coverage from roughly £46.00 for the cheapest package which will typically offer £5000 cancellation cover to more premium packages of up to £400.00, which would cover up to £50,000 in cancellation costs.
Cancellation costs are to protect you if a company goes into liquidation, fails to turn up or goes bankrupt. Whatever package you choose is the right one for you, for your needs and for your wedding day, the cost is a fraction of what peace of mind the outlay can help provide you with.
Sleepless nights are obviously common prior to wedding nights; people can get nervous, anxious or simply be too excited to drift off, so it’s just common sense to not add any extra pressures or worries on top of one of the biggest days in your life.
Wedding insurance can often be something that slips through the net with regards to most people’s planning for the big day. While this is understandable, because no matter how much planning you do for something of this magnitude, something always slips through the net. Failing to register with a wedding insurance provider, could be a serious misstep, for while it’s obviously not the top priority, it’s unquestionably integral to the smooth running of any wedding.
Going uninsured obviously carries inherent risks and leaves you vulnerable to cancellations and other things that can ruin your day, which makes it so shocking how many people go uninsured with
one in four marriages this summer leaving themselves open to unparalleled risk on a day which everyone could do without.
Accident or illness are more often than not the main reasons for wedding day mishaps and wedding insurance generally more than covers these eventualities.
There are certain moments in your life that are pivotal; your first car, your first house, your first child and your wedding day. People are able to get car insurance, housing insurance for their valuables and life insurance to protect the financial wellbeing of your children, so it only makes sense to help safeguard another treasured occasion, such as your wedding day, for some things in life are just worth not leaving to chance.
You wouldn’t buy a house without insurance and it’s illegal to drive a car without insurance, so why would you take a risk on such a huge outlay as your wedding day?
Insurance is often something that goes overlooked on the most menial or small of tasks and items. We often think nothing that bad could happen to me right? Well, sadly such is the nature of life, of changing circumstances and of accidents that sometimes you are simply dealt an unfortunate hand.
While it would seem crass and somewhat callous to describe a wedding as an ‘event’, for its emotional attachment to any couple means it ranks far above and beyond anything approaching that, this is undoubtedly what the venue you are having the reception at will see your big day as.
Event insurance is also a must for a wedding day, whether you’ve hired out an extravagant marquee to have that classy summery wedding day or booked a hotel reception room overlooking a picturesque lake.
Public liability insurance protects you on your wedding day from situations that are always likely to arise on a joyous occasion such as your wedding. Whether it is spilling a glass of red wine on an expensive rug or an accidental injury to a guest, most venues that put on weddings now, particularly receptions, are advising their clients to cover themselves. Fortunately though, most wedding insurance packages include personal liability within their remit.
So what if you’re reading this thinking “great, all sounds good, but I’m getting married abroad next June, how am I going to ensure nothing like this happens to me?”
It’s an often asked question and one that’s easily answered as some premium insurers offer insurance that helps to cover weddings both home and abroad, so don’t let geography get in the way of having a safe, enjoyable, hassle-free wedding.
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