One thing all policies have in common is that they do not pay out if either the Bride or Groom get cold feet and call the Wedding off. This I’m afraid is something that you need to sort out yourselves!
If you plan to get wed overseas, make sure that your policy covers you for it. Not all insurance policies will, and in certain cases you will need to take out specific insurance to cover such an event – again, check before you book!
Many of the insurance companies you are familiar with from television adverts and so on, do not offer Wedding cover. Instead, the market is filled with smaller more specific companies who specialise in such policies. Whilst the majority are reputable, above board organisations, we do recommend that you get a feel for the company before booking – read reviews, speak to people who have got married before, and speak to the companies direct and ask them about their claims process – the last thing you need is for your Insurers to go bust!
In terms of cost, the majority of insurers offer different tiers (just like your wedding cake, ah bless!). Starting at around £50 and heading upwards of £500 you will find that there is a wide and varied spread. Before deciding which policy to choose, we suggest that you use your budget as a basis for what threshold of cover you opt for. Think about how your day will work – a number of insurers charge extra for marquee cover for example, so you need to at least have a plan for how your day will run. Remember that most insurers will allow you to upgrade your policy, so review the cover offered and bump it up a little if you need.
Overall, whilst we always try to advise and not preach, this is the one time that we will waver from that policy. At Weddingsday, we simply cannot recommend insurance highly enough. For a day so special that costs so much, for a bit of piece of mind that costs so little, it is invaluable.
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