From Fairy Tale Wedding To Fairy Cakes – The Dangers Of Not Having Wedding Insurance

The problem with wedding insurance is that it doesn’t seem very romantic. Weddings are a time for being optimistic and hopeful – the future is looking bright and cheerful. The problem is that reality doesn’t always see the future as brightly as you do, and being hopelessly wrapped up with the cute romanticism that surrounds decisions pertaining to whether pink flowers or mauve would look best, doesn’t help the future become any safer or more predictable.

I wouldn’t want to bring a damp spirit over anyone’s wedding, so let me be brief and take just two minutes of your time out of planning your wedding to raise the issue of insurance. The problem is that no matter how well organised you think you are, you’re not. Regardless of how detailed and thorough your plans, they will almost certainly be of no value. Perhaps if fate smiles upon you, then you’ll be amongst the lucky ones whose weddings pass with no problem at all, and you both live happily ever after. Meanwhile back in the real world someone, somewhere will be experiencing awful problems, from the caterer not turning up to the photographer dropping his camera and losing all your wedding pictures.

Sadly, no matter how detailed your plan, there is one thing you can’t plan for, and that’s the unforeseen accident, the virtually unheard of calamity and the simply unbelievable accident. Every year thousands of couples tie the knot, but similarly hundreds find that their plans have to either be delayed, or significantly altered at the last minute at very substantial cost.

Your wedding will probably have absorbed a very considerable proportion of your available finance, and whilst making decisions regarding whether to have four tiers or five for your wedding cake, you may start to consider that £30 either way could make a difference. But how would you feel if your caterer went bankrupt the week before your wedding? If you’ve spent every available penny you had on the wedding, then you may be looking at handing round fairy cakes instead – not quite what you’d had in mind.

Similarly, accidents do happen, and the number of photographers whose cameras are either broken, lost or stolen is quite remarkable. Sadly, in each case all of the wedding photographs may well go missing – and this really is a deeply distressing situation. No bride or groom will want to have their special occasion pass without formal, professional pictures, but how would you manage? The choice would be to cope with Aunt Edith’s rather blurred pictures in which the groom’s head is usually chopped off, or spending hundreds of pounds on a professional photographer to retake the pictures, with hundreds more pounds spent on getting everyone back together, hiring outfits, and possibly a venue.

Faced with this kind of disaster, you will almost certainly want for nothing less than the very best option available, but if money is tight or limited, then the best option may also be impossible, and you’re left with a very disappointing situation with which you will be stuck forever. However, there is good news, and for the sake of just £30 or thereabouts you can completely cover your wedding with a wedding insurance policy. Having your wedding insured means that should anything significant go wrong, such as in the examples given above, then the one thing you won’t have to worry about is finding the money.

If the caterer does go bankrupt, then you’ll still be able to access money to organise an alternative provider. If the limousine driver has had his license revoked, you’ll be able to find an alternative, and if the photographer drops his camera, or accidentally deletes all the digital files, then you’ll be able to claim the money needed to restage your wedding scenes, and have the pictures retaken. It’s only around £30, and when planning your wedding, that’s usually just a drop in the ocean, or a packet of balloons.

Wedding insurance does vary though, so it will be important to sit down for a few moments, put the romance and idealism to one side and consider the worst case scenario. Compare wedding insurance policies, and have a look at your home insurance policy too in case anything might be covered there too. Once you have organised your policy, you are then free to ignore the pessimistic side of insurance and enjoy the blissful optimism with which you will have been filled since the day you said ‘I will’.

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Why Wedding Insurance Is A Wise Idea

Getting married is a momentous occasion, but it is not surprising that there are many factors to consider and arrangements to be taken care of. Typical wedding plans to undertake include booking a venue, ordering food, wedding cake, flowers and other decorations. Then there are wedding cars if you need transport, wedding rings and of course, the wedding dress. All in all there are plenty of things to take care of – all of which take time, effort and money. With the average cost of a wedding in Britain amassing to a significant amount of money, it makes sense to consider insurance for the occasion. Your wedding day is a special, memorable event but as perfect as you want the day to be, things don’t always run smoothly; therefore, it pays to protect yourself against any unseen eventualities. You may not want to think about the wedding dress getting damaged, the rings being lost or the venue closing down before your big day, but these are all realistic possibilities that could turn your wedding from dream to disaster. However, just as you purchase insurance for your car or holiday, you can also buy cover for your wedding. This can help to ensure that the event and all the things that come with it will be financially protected against the unknown and unforeseen. Different insurance policies will offer different levels of cover. But normally cover is available for almost every insurable wedding eventuality – be it cancellation of the ceremony itself, loss of the wedding rings or failure of the flowers to arrive. In fact, most policies will cover all the items that form an integral part of the perfect day. Wedding insurance shouldn’t be regarded as an unnecessary expense and when compared to the cost of the whole event it works out as a small cost. If you do want to keep costs to a minimum then stick with the insurance, but look for other areas to shave costs off too. Shopping online for decorations, accessories, invites and other essentials can cut costs significantly; and you can place all orders from the comfort of your own home. You could visit designer warehouse sales or second hand shops to look for your wedding dress. In addition, taking care of your own catering can prove rewarding and inexpensive, with many people now opting to bake their own cake for the event. Wedding insurance allows you to approach your special day with confidence that no matter what happens you will be protected against it. And when you consider how much money you invest in the wedding day itself, then arranging wedding insurance is a small price to pay in order to ensure peace of mind for your dream wedding.

Andrew Regan writes for a digital marketing agency. This article has been commissioned by a client of said agency. This article is not designed to promote, but should be considered professional content.
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Dream Wedding Plans – But Who Pays?

There’s no two ways about it: weddings are expensive. Paying for every detail is enough to drain any family’s financial coffers and – even worse – leave them wrestling with debt. Especially for new couples paying their own way during the wedding, the expenses quickly add up. The following is a traditional guide to dividing expenses equally and fairly among the four major participants in planning the four main parts of the wedding celebration: rehearsal dinner, ceremony, reception, and honeymoon. These are guidelines more than rules, and are intended to show tradition more than carved-in-stone etiquette.The Bride’s FamilyThere’s a popular misconception among the unmarried of the world that the bride’s family foots the entire bill. That’s not entirely true, though unfortunately it may feel that way for the father of the bride! Traditionally, the bride’s family finances the reception dinner with all its facets: the food, drink, venue, service staff (including tips), flower arrangements, wedding favors, and any other miscellany. The bride’s family also pays for many of the necessities leading up to the ceremony: these usually include the bridal gown, the wedding invitations and save-the-date reminders, as well as the engagement and wedding photographs. Finally (!) the wedding ceremony costs, the photographer and videographer fees, the cost of the ring bearer and flower girl accessories, the transportation costs and bridesmaids bouquets are all picked up by the bride’s family. Honestly… if you’re the parent of a young girl, start saving right now.The BrideCompared to her family, the bride gets off relatively easy. Brides traditionally pay for the groom’s wedding band, gifts for her bridesmaids, the bridesmaids’ luncheon, her blood test fees, and the wedding day lingerie. In the strictest traditional sense, the bride should also pay for her out-of-town bridesmaids accommodations.The GroomOkay, guys. Time to pony up. Following the engagement ring (that two-month’s salary guideline is passé, by the way) you’ve still got a few things left to buy. You’ll pay for the honeymoon, the marriage license, and gifts for your groomsmen. The gentleman groom, however, also pays for the bridal bouquet and corsages for your mother and your new mother-in-law. You’ll also pick up the boutonnieres, ties, and accessories for the groomsmen, and finally the bride’s wedding ring. Gifts for the ushers and for your parents go the extra distance to showing your class. You should also pay the honorarium for the judge, justice of the peace, or clergyman who officiates the ceremony, too.The Groom’s FamilyBesides their own attire, the groom’s family is responsible for the rehearsal dinner and all its details.The Maid of HonorBachelorette parties and wedding showers are the responsibility of the maid of honor. This includes all the details, top to bottom.The Best ManThe best man is master of ceremonies and godfather of the bachelor party, from the planning to the execution to pouring all the guests into cabs at the end of the night. It’s a dirty job, but someone’s got to do it.The Groomsmen and BridesmaidsMost of the attire – for example, the tuxedo rental and costs of the gown – are the responsibility of the individual wedding party member. They also give a gift to the newlyweds. Groomsmen arriving from out-of-town are also expected to pay for their accommodations.

And don’t forget: this could all be in vain if something goes wrong and you haven’t taken out wedding day insurance.

Wedding Insurance

Most people carry some form of insurance such as auto, medical, life, etc. Since the average cost of the more than 2 million weddings in the U.S. is over $20,000, wedding insurance can cover billions of dollars caused by damages. With so much money spent on weddings knowledgeable couples incorporate wedding insurance into their overall wedding planning strategy. Wedding insurance offers protection against something going wrong, the wedding being cancelled or postponed.

Wedding insurance allows for flexibility in coverage. Just to mention a few, policies may cover for cancellation, unforeseen expenses, wedding gown, video and photographs, jewelry, venue property, gifts, liability, medical expenses. Depending on the coverage wedding insurance can cost as little as a couple of hundred dollars.

Some of the most common items covered by wedding insurance are: Continue reading “Wedding Insurance”