Why you Should Consider Wedding Insurance
Wedding insurance may at first sight seem like another con to part you with your hard earned cash. But if you think about it further you will realise that having some form of insurance in place can set your mind at ease about anything going wrong on the wedding day.
Weddings are hugely expensive and there is much scope for disaster to occur. Consider what would happen should your wedding dress get ruined in transit on the way to the venue or if someone stole all the wedding gifts whilst you were on honeymoon. Who would pay for replacements? What would happen if the reception burnt to the ground two days before your wedding? It may seem a little extreme but these are things that could happen.
Wedding insurance can also protect you against any important suppliers or vendors letting you down or if you had to cancel the entire wedding due to unforeseen circumstances. It will insure your valuables such as those wedding gifts, your wedding and engagement rings and even your wedding attire.
It isn’t expensive either and there are many different plans to choose from depending on your needs. For a small amount of your overall wedding budget you will get the piece of mind that you are covered should the worst happen. So what is covered by a standard wedding insurance policy:
 Extreme Weather
 Illness or death to the bride or groom
 Illness or death to an immediate family member
 Unexpected military deployment of the bride or groom
 Unknown extra expenses
 Wedding gifts - loss or damage
 Wedding photos - loss or damage
 Wedding attire - loss or damage
 Wedding rings - loss or damage
 No-show vendor deposits
 Cancellation counselling
 Alcohol related injuries/accidents
 Vendor damage
 Injury & accidents
 Wedding site property damage
When looking for wedding insurance it is important to try to compare as many policies as possible, just as you would with car or home insurance. You can even ask your car or home insurer if they have a wedding policy which would meet your needs, you may even receive a loyalty discount by choosing their product over someone else’s. Do make sure though that the policy covers you for liability insurance which give you cover for accidents and damages. Your home owner policy may also cover you for special events or your policy provider maybe able to add it onto your existing home owner plan.
