Church Bells And Insurance Tales, That's What Some Weddings Are Made Of!

5 months ago 09th Apr 13:53

The best man’s speech, meeting the parents, your dad’s dance moves and children crying during the ceremony are all things to be nervous about on your big day. With so much to organise, there’s plenty of potential for your wedding to turn into a disastrous nightmare. Here, Ros Urbanowicz, financial adviser at independent insurance broker, The Wilson Organisation, explains the importance of wedding cover, to help ensure the most memorable day of your life goes without a hitch.

Marriage may be for better or worse, but it is definitely for poorer with the average wedding now setting couples and families back a staggering £16,000 to £25,000, depending on the region and extravagance. So, if the likes of Hello and OK! magazine aren’t picking up the hefty bill, then you need to start planning exactly who will be paying for what to avoid a potential fight with your partner and in-laws.

The major expenses of a wedding are the reception, rings, honeymoon and bridal dress. Then there are the flowers, photography, church and registrar fees, car hire, invites, wedding cake and numerous other costs to think about. So it’s no wonder that insurance can get left to the bottom of the pile! After all, it isn’t the most exciting part of organising a wedding, but it could end up being the most expensive part if something happens on the day and you’re not covered.

Confetti.co.uk has reported that around 80-85% of couples risk their biggest day ending in a pricey disaster by not taking out wedding insurance. We know having to look at policies can be boring compared to choosing your dress or looking forward to your hen night, but taking out adequate cover should be one of your top priorities. Just take a look at the potential misfortunes below that could end up spoiling your big day.

Top Ten Common Claims:
· Bankruptcy of supplier
· Damaged wedding attire
· Loss of rings
· Theft of wedding gifts
· Public liability - property damage
· Cancellation because the venue was double-booked
· Transport fails to arrive
· Caterers fail to turn up at the reception
· Cancellation due to illness or bereavement within the immediate families
· Re-staging photographs because the photographer didn’t turn up

Top Five Unusual Claims:
· Emergency transport to get the vicar to the ceremony
· Replacing stolen tableware and cutlery the evening before the reception
· Road assistance for a stuck wedding vehicle
· The bride falling over in the aisle and breaking her ankle
· The marquee washing away

While wedding insurance won’t prevent any of the haunting scenarios above from striking, it does protect you from losing out financially if things do go wrong. So if you’re spending thousands, a few more pounds is a small price to pay for peace of mind.

You’ll be insured by most companies against the main items such as damage to your wedding outfits, rings, flowers and cake, and even re-staging photographs and videos at a later date. Some policies cover everything from the marquee washing away, the guests injuring themselves, and the church burning down. You should be looking to take out insurance before you pay the deposits on any bookings made in case the supplier goes bankrupt or can’t fulfil your order or reservation.

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