wedding insurance?

sammy_wheeler

Hi All

so far i have paid the deposit for the venue, and the registra and the deposit for the cake

but read somewhere (not sure where), about wedding insurance
but don't really understand what it is
surely the contracts i have with companies/people, should be enough?

is everyone having wedding insurance? and how much is it?

thanks x

bubbles0169

say your venue went bust youd lose your deposit and would not get it back unless years down the line after lengthy court cases the judge ordered them to pay you back but it could be in little amounts until its paid up
if you had insurance you receive a pay out pretty quickly
have a look at the different policies to see what different ones offer, go through someone like money supermarket

shellsuit

And if those companies or people go bust?

Or if the venue burns down? (which happend to a bride who posts here actually!)

Or if your dress gets eaten by the dog?

Or if you get made redundant?

Or if, God forbid, something terrible happened to you, your OH, or a really close family member?


That's what insurance is for.

sammy_wheeler

thanks- i do get the reasoning behind it- have just done a quick online quote thing- and found one for £19.50-
another silly question- is that monthly?-
coz my wedding is july next year- so if i was paying that monthly until the wedding its £234 which is a lot of money - for hopefully nothing!-
i can see the reasoning behind it though

so is it paid monthly up until the wedding?

bubbles0169

no it shouldnt be monthly
it also covers other things like your cake, dress,shoes,jewellery loads of things really just make sure yours covers everything you want it to and check its terms and conditions VERY carefully, if theres something your not sure of just ask someone who knows what its all about x

xtinkersx

I also foun done for £20 goin through a comparison site just a one off payment it covered everyrthing I needed up to £20000 thnk it was the price depends on how much cover u want ie.a more expensive one for a more expendive wedding and prices differ on items so one could cover £500 dress another £1000 so on. Sorry about my typcing on my bberry x

sammy_wheeler

oh now i understand! i didn't think i could justify spending 20quid a month on it!!!!
i love these boards!
thanks everyone x

Bride2be24

I went with E&L wedding insurance and paid a one off payment of £60 to start straight away x

Horace

One of the best wedding insurers is Ecclesiastical as they pay out and were about the only company to pay out when Wrapit went bust and brides were left without gifts.

With wedding insurance you pay a one off fee - you don't pay in instalments.

https://www.ecclesiastical.co.uk

picklepick

thats good to know horace as we paid extra and went with ecclesiastical. it was recommended to us by another bride.
I hope i never have to use it!

sammy_wheeler

hiya everyone- another silly question
does the wedding insurance usually cover hire clothes-
my hubby to be is going to be hiring his suit, and he is worried about ruining it
actually i think he is concerned that i am going to cry all over and put my make up on it haha!