Wedding Insurance?

Impet_Limpet

We used Ecclesiastical. The company we ordered chair covers from went into voluntary liquidation, had payout minus excess within a week, they also paid the extra we had to pay to get a new company to do it.

Tailor made aspect was great too!

Thumbs up from us.

sharpee

jojo2004 wrote: »

Another vote for Ecclesiastical here. We're doing a winter wedding, so thought it was pretty essential! £60 for a tailor made policy covering everything to max price not minimum...

Another Winter bride so we've taken out insurance with Ecclesiastical. Package was tailor made around our needs.

Just hope we don't need it but should anything go wrong will be nice to know we can recoup our costs:)

nickki44

I'm with E and L

I paid £18.30 for the following:

CANCELLATION & EXPENSES
SUPPLIER DEPOSITS
WEDDING CARS AND TRANSPORT
YOUR WEDDING ATTIRE
PHOTOGRAPHS
VIDEO/DVD
PRESENTS
RINGS
CAKE
WEDDING DOCUMENTS

Irrecoverable wedding, reception catering, accommodation, transport, flowers cake, stationary, photographers or attire hire expenses due to unexpected cancellation or curtailment, including 50% re-arrangement expenses to avoid cancellation. Up to £3,000.
We will cover your non-refundable deposits, in the event of financial failure of the suppliers or if entertainers fail to appear up to £5,000.
Failure of transport due to breakdown, accident or non-appearance when a contract is in force up to £4,500.
For loss or damage whilst in your possession and occuring prior to wedding commencement (unless hired-max. 48 hours after commencement) or financial failure of your suppliers up to £4,000.
For specified costs incurred in the retaking of the official wedding photographs due to loss damage of film, faulty materials or non-appearance of the professional photographer up to £3,000.
For specified costs incurred in the retaking of the official wedding video/DVD due to loss damage of tape/disc faulty materials or non-appearance of the video/DVD operative up to £3,000.
For loss or damage 7 days prior to and 24 hours after the wedding at your home/parent’s home/reception/or in transit between these locations up to £4,000.
For loss or damage from the inception of cover up to the beginning of the reception up to £3,000.
For loss or damage from inception of cover up to the beginning of the reception, at your home/parent’s home/reception/or in transit between these locations up to £3,000.
Loss or damage to documents within 7 days before and after the wedding up to £1,000.
There is no excess on any sections except Public Liability and Marquees where it is £99.

Additional Notes/Disclosures/Warranties/Exclusions:

(including Insurance Premium Tax at 6%)

HONEYMOON LUGGAGE Loss or damage on the day of the reception at your home/parent’s home/reception/or in transit between these locations up to £750.

PERSONAL ACCIDENT For accidental bodily injury resulting in death or permanent total disablement up to £8,500.

PROFESSIONAL COUNSELLING Cover for the cost of GP recommended counselling should your wedding be permanently cancelled due to bride/grooms death or either party
electing not to proceed up to £400.

LEGAL EXPENSES Legal costs and expenses incurred by you in defence of a claim for breach of statutory duty arising from the wedding or reception up to £6,500.

PUBLIC LIABILITY Legal liability to a third party for the damages and costs arising from an incident at your wedding service, reception or evening function up to £2 million.

WEDDING FLOWERS Loss of or damage to, from the inception of cover up to the beginning of the reception, up to £3,000.

WEDDING STATIONERY Cost of replacement due to loss or damage, from the inception of cover up to the beginning of the reception, up to £1,000.



It's enough for me - important not to over insure, and spend more than you need to, but for the peace of mind, it's worth every single penny....

Spencer_Li

As has been said - it's worth taking out the insurance as you never know what could happen and the premium is a small percentage of the overall cost of the wedding.

We went with Debenhams, partly because there was some cashback through Quidco.
This actually got declined for some reason and I can't dispute it as I wasn't informed about the decline until after the 45 day day period.

Beetle_lover

definitely going to look into this then! fingers crossed none of us have to do this

Jewelleryfan

Beetle_lover wrote: »

definitely going to look into this then! fingers crossed none of us have to do this

I need to look into it too

We have booked church, reception and chair cover company so far. Will be booking photographer and dj soon so once I've done that I'll get insurance.

Hope it's not too difficult working out what level of cover you need etc cause I'm easily confused :rotfl:

Jewelleryfan

I've looked into the company E and L and for band 1 is £18.20 and band 2 is £26, will probably go with band 2 as it covers more money for suppliers and other possible problems with companies

wanchai_2

Jewelleryfan wrote: »

I need to look into it too

We have booked church, reception and chair cover company so far. Will be booking photographer and dj soon so once I've done that I'll get insurance.

Hope it's not too difficult working out what level of cover you need etc cause I'm easily confused :rotfl:

I hope I'm wrong Jewelleryfan, but I think you are only covered for stuff that's booked AFTER you take out the insurance policy! Can anyone confirm whether this is the case?

Jewelleryfan

I'm not sure actually, I still need to book photographer and dj so was planning on booking them and then buying the policy

wanchai_2

Oh gosh, hope someone can clear it up!

I seem to be stalking you around the board today, hope you don't mind