Worried about your Wedding Day – Get weddings insurance
Are you getting Married? You really ought to consider taking out a Wedding Insurance Plan. Wedding Insurance Cover will mean one less worry!
Is wedding insurance really necessary or or just more expense? Well, as a newly wed here is here is my first piece of advice for those who got engaged . Don’t think about the additional cost , this is a once in a lifetime day , the happiest day of your life and what happens at your wedding will stay in you memory for ever .
My second piece of advice is definitely get Wedding insurance!
The cost of your big day will set you back around £15000 however you can pick up a fairly robust premium for a cost starting at around just £30. This people really is a complete ‘no-brainer’
When you have set a date, make the necessary bookings, arrange your wedding insurance cover and then start paying your deposits .
Get it done early and it is one less worry . Believe me! you will have lots of things to worry about on the big day !
Even if you are thinking of not spending quite so much then a specialist wedding policy may suit you better – you might be planning a small, intimate affair, but remember that you will be purchasing some of the most expensive dresses, clothing and meals you have ever bought .
As with any Insurance it is important to understand what might go wrong on the day before purchasing additional cover. One suggestion is to make payments on credit card where possible (although always make sure you can clear the balance immediately) . All credit card payments between £100 and £30,000 can be claimed back through section 75 of the Consumer Credit Act if you do not receive the service .
If you have taken one out, home insurance policies increase cover for a month either side of the wedding of someone in the household to cover the value of gifts and sometimes items bought especially for the wedding. Check you home insurance policy to see what is covered .
What you really need to be looking for in your wedding insurance policy is cover for loss of damage to the things you have ordered , such as the wedding dress, as well as presents, the wedding cake, the wedding rings, flowers and gifts for the guests .
Most often cover starts a set period before the wedding and finishes a set period after – from seven days before to twenty four hours after for wedding presents , for instance – but this will vary depending on the policy . Remember that you will be relying upon the services from a range of providers so ensure your chosen plan will cover any extra costs you might make up to the policy limit if things don’t go exactly to plan.
Events Insurance also covers you for deposits you can’t recover or the costs of finding substitute providers should yours go into liquidation (Don’t forget that your credit card covers you if you have used it so do not fork out an unnecessary premium if you do not need to.)
Another very important cover of wedding insurance ispublic liability or loss or damage to third party property. This may be covered by your home insurance or the hotel’s own cover etc; but {this can be quite important| public liability is essential if you have the wedding in a public place such as a beach or park etc .
There are additional areas of cover, some policies cover legal protection , employers liability for staff or even stress counseling but you should add these extras only if you really need them.
It is very simple to purchase Wedding Insurance online, and you can save money both by comparing policy prices or by going to a specialist events insurance company, who often offer much cheaper policies with a wider range of wedding insurance covers .
