You may not have thought about it but making sure that you are covered for any wedding mishaps may be a very good idea. Wedding insurance policies vary depending on the provider but the majority cover the following:
- Cancellation or rescheduling of wedding
- Bride and groom attire including rings
- Wedding gifts
- Wedding transport & the wedding car
- Deposits lost in case of cancellation of suppliers or the venue
- Personal and public liability
- The theft or damage of any equipment used by suppliers or the venue
- Honeymoon travel insurance
If you are using a wedding planner, make sure that they have public liability insurance (‘assurance responsabilié civil’ in French). Your wedding planner should in turn ensure that all suppliers are also insured. Marquee companies should be particularly attentive as any structural problems could be a health and safety issue as should any entertainment companies who book potentially dangerous performances for your wedding celebrations such as fire eating, stilt waking or snake charming.
If you are wondering about where to find wedding insurance, ask your housing insurance supplier or search online for a company specialising in wedding insurance. A few of the British wedding magazines I read recommend E and I Insurance. Bride’s magazine had a link to this price comparison website in their last issue: http://www.compareweddinginsurance.org.uk/. Wedding Plan, Protect My Wedding and Wed Safe also all seem to be a good insurance companies.
I have recently read on another blog called TheFizzCoUK that wedding insurance might not cover venues in countries other than the country in which you have taken out the insurance policy, so make sure that you check with your insurance provider before you sign up to anything.
It’s certainly a good idea to think about wedding insurance. Chances are that nothing is going to go wrong at all, but at least you’ll have the peace of mind that should something happen, you should at least not lose out financially.
Yes, definitely look to see if your home insurance provides any sort of cover. Also check credit card policies as you might be covered for any deposits you pay using the card.