Top Tips Tuesday: Why You Need Wedding Insurance…
For this week’s Top Tips Tuesday, we are considering something that may (to some) seem the duller part of wedding planning. Non-the less, this may be one of the most important, and priceless things to do when you start your amazing journey of wedding planning. After you got engaged did you immediately insure your engagement ring? Of course, you did (well, we hope you did!), it’s probably the most expensive piece of jewellery you’ll ever own. So, why wouldn’t you insure your wedding day, a day that costs on average £24,000?
More than a quarter of a million couples will spend a staggering £10 billion on their weddings in one year, and that’s just in the UK alone! You may now be thinking, “I’m super organised, nothing could go wrong!” However, no matter how organised you are, things can and still do go wrong, and it’s not always your fault! Just think of the number of suppliers you are booking, to put it into perspective.
Therefore, it’s essential that you invest in some wedding insurance to cover every eventuality, or even just for peace of mind. Still not convinced? You will be…
What could possibly go wrong?
Where do we begin? What if your dream wedding dress gets damaged, one of your suppliers goes out of business, or your wedding cake doesn’t turn up on the day? Investing in wedding insurance will cover you from any wedding day disasters you may, or may not encounter. If anything goes wrong, you’ll be secure in the knowledge that you’re covered! If nothing goes wrong, even better, but that small amount will have brought you peace of mind on your big day. And, that’s priceless.
If it’s a small wedding is insurance still necessary?
Even if you are having only a small affair, it can still cost a matter of thousands. Many insurance companies offer several packages of cover reflecting the different costs, sizes and individual cover of weddings. So, whether yours is going to be a cost-effective day with your nearest and dearest, or extravagant and expensive, there’ll be cover that suits you, and your needs! There is no excuse.
Getting married abroad?
Are you planning an intimate beach wedding in the Maldives? Even if you are having a destination wedding it’s absolutely 100% worth getting insured. Even more so with destination weddings, as it may be harder to get in contact with suppliers, or go see if your venue is what you are expecting. Many things can come into play here such as language barriers, and of course, distance! Most wedding insurance companies also offer essential document indemnity cover for weddings that are abroad. Would you travel without travel insurance? So why would you not cover your wedding when it’s over seas?
How much will it cost & When should you get it?
Wedding insurance can start from as low as £20. Obviously, this differs from where you get it from, and how much you chose to cover. According to John Lewis (P.S they are approved by The Wedding Affair) the average claim is for £2,400, and due to supplier failure. So, this most definitely is money well spent! Yes, it may just seem like an optional extra to add to the ever growing, and possibly daunting budget spread sheet, but it could save you a lot of heart ache, stress, not to mention money! You choose ultimately how much it will cost. As with any insurance policies, the more you spend, the more you’ll be covered.
You should get your wedding insurance as soon as you start planning your wedding. Investing today will cover anything going wrong between now and your wedding day. Yes, we understand that when you go to wedding fairs it may not be the thing that jumps out at you. It’s far to easy to get carried away with tasting luxurious cakes, or looking round venues. I’m sure I would do to.
You wouldn’t move into a house, or drive a car without valid insurance, so, why skip it out on your wedding day? We can honestly say it’s an investment worth having!
For wedding insurance do say ‘Hello’ to John Lewis, they will have a package to suit you. Whatever the size or budget of your big day, it’s easy to find the right protection. Simply choose from their six levels of cover and they will help make sure your wedding goes to plan.
John Lewis Wedding Insurance can ensure that…
- You could be financially protected if a supplier goes bust or fails to turn up – they could reimburse any irrecoverable deposits you’ve made.
- Don’t lose out if the prospective wedding or civil partners, close relative or member of the wedding party falls ill, your costs could be reimbursed if it’s not due to a pre-existing medical condition.
- Don’t worry about the special details, your wedding cake, wedding flowers, wedding transport, wedding rings and wedding attire could all be covered for loss or damage.
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The Wedding Affair