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Protect your wedding day

Your wedding day should be the happiest day of your life, however if you fail to plan ahead and make arrangements to cover yourself against any unexpected financial catastrophes, the best day of your life could turn into one of the worst. For instance you need to consider what would happen if the reception has to be cancelled because the hotel can’t honour your booking, or the wedding dress gets damaged, the wedding rings get lost, or the wedding cars fails to turn up.

With the average wedding costing anything from £5,000 to £10,000, more and more people are now taking out wedding insurance as a safeguard in case things go wrong.  


What is covered by wedding insurance?

If you're planning a large wedding with many guests, you’ll want to arrange insurance that covers your costs. For instance, if you for some unforeseen reason you have to cancel the reception at the last minute you will want to have insurance that reimburses you for any charges you are liable to pay as a result. 

Alternatively, if you are having an intimate wedding, you may only want to take out a low premium with a minimum amount of cover. 

Wedding insurance can cover most aspects of your big day including:

• Cancellation of wedding and/or reception
  

• Damage or loss of wedding attire
  

• Problems with photography or wedding video
  

• Damage or loss of wedding rings
  

• Damage or loss of wedding gifts
  

• Loss of deposits
  

• Public liability
  

• Problems with wedding transport
  

• Problems with wedding cake
  

• Problems with wedding flowers
  

• Legal expenses
  

• Damage to marquees / tents

Two types of cover

Protection provided is split into two types - payment for a replacement and compensation for a disaster.

The more the premium costs the more financial protection you have. Again, the type you go for is dependent on the value of your wedding.

The first type (payment for a replacement) will cover you if something unexpected happens at the last minute, for example if the caterers go out of business. With this type of cover you will be able to change your plans without having to worry about the cost.

The second type (compensation for a disaster) will compensate you financially if something goes wrong. If your wedding photos don't come out there’s little you can do about it but a financial payment may make you feel a little better about it.

You never know what could go wrong – so makes sense to insure your big day.