These days, a wedding can easily be one of the most expensive events of in a couple’s life. Whilst the final figure can vary depending upon the bride and grooms’ tastes, budget and number of guests, it’s quite common for an average wedding to cost well into a five figure sum.

Of course, a wedding day is not just about money, the memories are worth far more. But with so much at stake, both financial and emotional, anything that can potentially reduce the chances of things going wrong and if they do, getting any worse, is definitely worth considering.

– How can wedding insurance help?

One of the main risks that a wedding insurance policy can protect you against is cancellation. For example, most policies provide a pay out if a listed event such as personal injury means you have to postpone the wedding event. Then there are some policies that will extend this cover to other important members of the wedding party such as bridesmaids.

Wedding insurance can also cover loss or damage to items which are important to the conduct of the ceremony such as rings, cake, flowers and the bride’s wedding dress.

Another vital feature of wedding insurance to look out for is liability. Damage caused to guests or the wedding venue can be covered but some policies will only cover your actions while others will include the actions of the wedding guests.

– What isn’t covered?

Of course, one of the major worries for the bride and groom is the weather on their big day. Most policies won’t cover problems or cancellations caused by the weather. It’s unlikely you’ll get any compensation for losses which are unquantifiable or for any unforeseen events spoiling the big day.

– What level of cover is usually offered?

It’s quite common for policies to offer at least three levels of cover with the same risks covered in all levels, but the amount which can be claimed varies together with the premium. Different policies may apply different limits on what you can claim with each cover level whereas some insurers simply offer a different total limit.

Again, it’s common for the cheaper plans to offer a total cover level of around £5,000, with higher priced options providing tens of thousands of pounds of protection.

– What features and restrictions should I be aware of?

Many standard policies only cover weddings taking place in the UK although overseas weddings may be covered at an extra cost.

Policies can be designed to cover a wedding ceremony and the reception being held on the same day. So, if this isn’t the case for your wedding, make sure the insurer is aware and has agreed to your particular events schedule.

If you make a claim for a theft, be aware that a payout may be dependent on the theft being reported to the police promptly. This can be easily overlooked if the theft is on wedding day itself.

Bear in mind that your wedding gifts will increase the value of personal property in your home. This could potentially have an impact on your home insurance limits and be particularly important if you set off on honeymoon and leave your home empty straight after the wedding.

Author Bio: If you need to compare wedding insurance visit http://www.uk-insurance-index.co.uk/wedding-insurance-1.html where you’ll also find wedding insurance reviews written by real customers.

Category: Finances
Keywords: wedding insurance, wedding cover