DO YOU REALLY NEED TO TAKE OUT WEDDING INSURANCE?

Your wedding day is one of the most significant and memorable moments of your life. You've likely spent months, if not years, planning every detail, from the venue and dress to the catering and entertainment. But as with any large event, things don’t always go according to plan. (Not to mention what we saw in 2020 and beyond…) That’s where wedding insurance comes in.

What Is Wedding Insurance?

Wedding insurance is a specialised type of coverage designed to protect your financial investment in case of unforeseen events. It typically comes in two forms:

• Cancellation/Postponement Insurance: Covers non-refundable deposits and expenses if the wedding is delayed or cancelled due to reasons beyond your control (like extreme weather or illness).

• Liability Insurance: Provides coverage in case of accidents, injuries, or property damage during the wedding, although injury cover should be covered by your suppliers’ liability insurance – always check their insurance provisions.

Why Should You Consider It?

We ALWAYS recommend that our clients say ‘I do’ to wedding insurance. For most weddings it’s a negligible spend in the grand scheme of things, that gives huge peace of mind and protection in unforeseen circumstances.

1. Protect Against the Unexpected

From a sudden illness or death to a supplier going out of business - many things can disrupt your plans. Wedding insurance helps ensure you're not left paying the price for circumstances that are beyond your control.

2. Supplier No-Shows or Cancellations

Imagine your caterer or DJ doesn't show up or cancels at the last minute. Supplier-related issues are among the most common problems couples face. Whilst this could have a devastating impact on your big day, insurance can help you recoup lost deposits or cover the costs of finding a last-minute replacement (which your hardworking wedding planner will also be on hand to help with!)

3. Weather Woes

If you're planning an outdoor ceremony, the weather can be a major risk. If a storm forces you to cancel or move your event, insurance can cover the associated costs.

4. Venue Mishaps

Times are volatile in the business and economic world. What if your venue goes out of business or experiences damage right before the big day? Insurance can reimburse you for lost deposits and help you to secure a new location.

5. Accidents Happen

If someone breaks an expensive piece of equipment owned by a venue or other supplier, you can be charged for these damages and so liability insurance can help protect you from the legal and financial fallout. (These are usually additional add-ons to your insurance policy and are charged accordingly, check the policy and small print.)

6. Peace of Mind

Planning a wedding is stressful enough. Knowing you have a safety net allows you to focus on the joy of the occasion, rather than worrying about potential disasters.

Is It Worth the Cost?

Wedding insurance policies are surprisingly affordable, often ranging from less than £50 for small weddings to £500 depending on the coverage you need. Compared to the average wedding cost (which on average runs into the tens of thousands), it’s a small price to pay for peace of mind and financial protection.

Our advice is to visit a dedicated wedding insurance provider like https://wedinsure.co.uk/ and get a quote based on your own wedding details and budget. It takes just a few minutes and is well worth it.