A question asked by a lot of couples planning on getting married is whether they really need wedding insurance or whether their existing insurance policies such as home insurance, travel insurance, health insurance and even the insurance offered by credit card companies is enough to cover all of the essential aspects of the wedding itself.

Certainly with the average wedding in the UK now costing around £20,000 couples are often looking for any possible way in which they can save at least a little bit of their budget. Certainly at first glance it would seem reasonable to suppose that if you have a half-dozen or so insurance policies elsewhere that you might be able to save a few pounds on your wedding by not taking out a wedding insurance policy.

In a few cases this can actually work, but the statistical proof is that the overwhelming majority of people getting married in the UK desperately need proper wedding insurance. The difficulty is that whilst you may have half a dozen insurance policies covering a whole range of other aspects, most of them will not cover the most likely problems that you could encounter leading up to a wedding.

For example you may consider that having bought the wedding rings on your credit card you will be covered by your credit card provider’s insurance policy. You may, quite justifiably, assume that if your wedding rings get lost or stolen that your credit card company will reimburse you. Sadly in many cases this is not the case, and many such common insurance policies have enough loopholes to ensure that events such as weddings are not covered.

If you’re having your wedding abroad then clearly you want to have travel insurance, but again it’s important not to assume that this will also cover the majority or the whole of the wedding itself. If on the night before your wedding you go down with the dreaded lurgy then your health insurance make cover your medical expenses, but the fact that your £20,000 wedding needs to be canceled will not be considered.

With all of the different insurance policies you have you may feel that you have plenty of strings to your bow, but the problem is what you are trying to catch is spaghetti, and all too often this slips in between the strings. Instead what you really need is a proper wedding insurance policy to ensure everything is covered. Think of it a little like a colander for straining the spaghetti.

When you consider that wedding insurance policies start from under £20 the decision not to take out a wedding insurance policy is really a false economy. At no other time in your life will you risk £20,000 on the gamble that one particular event on one particular day will go according to plan. Since the day is so special, and so expensive, then irrespective of what other insurance policies and protection you may have in place it simply isn’t worth the risk of letting your wedding spaghetti slip through your fingers.

Author Bio: Our website has plenty more information on wedding insurance. Despite popular belief, Direct Line and Tesco don’t currently sell wedding insurance but our site can help you find companies that do.

Category: Marriage
Keywords: wedding insurance