What is wedding insurance and do you need it?

What is wedding insurance?

Planning a wedding is not the easiest thing to do in the world and can be quite costly, so like with many expensive purchases, wedding insurance has become quite a common protection to have.  The insurance protects you from the unexpected such as if you need to cancel your wedding due to illness or extreme weather conditions – it also helps towards the costs to re-arrange the wedding, or if a supplier goes out of business.  Depending on the type of cover you take out it can also give protection during the actual wedding itself, like a ripped bridal gown; presents, rings; the cake and flowers along with personal liability and legal expenses.  Most insurers allow you to add cover for expenses such as marquee cover, ceremonial swords cover, and public liability cover. You can also usually extend cover for an overseas wedding.

How much does it cost and when do I take it out?

From as little as £30, to more than £200 for comprehensive cover.  Work out how much you are going to spend on each wedding item, then find a policy that covers everything on your list at the right amount for each individual item.  Most policies allow you to take out wedding cover up to two years before the big day. If you have already paid out for the reception and other expenses you’ll still be able to get insurance – and you’ll know exactly how much to insure your wedding for.