Wedding Insurance
Expensive Wedding Gifts Require Wedding Insurance
March 1, 2011 | Author admin
Is a wedding list self indulgent or sensible? Although you might feel a little uncomfortable making public just how many knives and forks you need, when it comes to getting useful wedding gifts, a list makes it all a lot easier – especially when it’s covered by added security from your wedding insurance policy.
Despite the fact that wedding lists have been around for years, they’ve recently been given a modern twist. More and more couples are opting for online wedding lists, which are automatically updated after guests purchase something. No longer do you need to fear getting the same toaster four times – in fact you don’t need to get a toaster at all if it’s not on your list.
Although it might seem demanding to create a list of goodies which will set you up for married life, it allows your guests to choose what to get you. Pick your gifts wisely – make sure there is a widely distributed price range, so that everyone can pick something whatever their budget.
You should also think about the kinds of gifts that will last a long time; the newest TV set might look good this season, but how romantic is a remote control after a couple of years? Wine glasses, cutlery, fancy crockery or long lasting cookware are a traditional option – department stores like John Lewis have an eclectic range of contemporary and classic designs to suit everyone’s tastes.
If you create a wedding list with a reputable store, such as John Lewis, you can be assured of quality gifts, and your wedding insurance will have added value too.
Standard wedding insurance will protect wedding gifts against loss or damage for up to seven days prior to the wedding and up to twenty four hours after the reception (as long as they’re stored by you or a close relative, at the reception or in transit).
If your gifts are purchased through a wedding list, however, your insurance provider may protect your gifts for up to ninety days after the wedding. Whilst a wedding list will give you security of knowing what you’re going to get on the big day, investing in wedding insurance will mean your gifts will be secure in the event of loss or theft too.
In fact, quality wedding insurance will cover all the essential items for your wedding day against loss, damage or theft, including wedding attire, cake, flowers, and rings. Insurance will also help you financially if your wedding has to be postponed because of ill health in the immediate wedding party.
The only surprises you should have on your wedding day are nice ones. If you want to make sure you have gifts that last, and that are protected against risk in the future, then a wedding list and wedding insurance should be a priority.
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Covering Yourself on Caribbean Weddings
March 1, 2011 | Author admin
Caribbean weddings are growing in popularity as couples decide that they don’t want to risk having a rainy wedding and opt for a location where not only will they get almost-guaranteed sun, but they will also get beautiful beaches and stunning scenery. However, if Caribbean weddings sound tempting to you, remember that if you want the dream wedding then you’re going to have to prepare for it properly, and that means taking out wedding insurance. Here are some of the things you have to consider when taking out wedding insurance.
Why Take Out Wedding Insurance?
Trying to arrange Caribbean weddings, or any weddings overseas, can be very stressful, even if the end result will be a dream come true. Not only do you have all the standard things to plan, but you also have to plan everything involved in travelling to another country. It is a far wiser option to allow the experts to help you plan your perfect day.
Wedding insurance covers a number of events that could go wrong, providing you with peace of mind because the last thing you want to be worrying about is all the things that could ruin your big day. With wedding insurance, you are covered for every eventuality, allowing you to enjoy yourself more during your wedding. As well as that, you won’t have to worry about the financial considerations should anything untoward happen.
What Does it Cover?
Wedding insurance for Caribbean weddings can cover a number of events, but you will generally be able to tailor a policy to your own requirements. Because you are going to be having your wedding abroad, you should firstly make sure that you are covered for all the standard events covered by travel insurance, such as cancellation, delayed departure, medical cover and personal belongings.
The events covered by wedding insurance will vary from policy to policy. At the very least, you should take out a policy which covers you for the rings, photos, wedding dress, and gifts. You will also want to ensure that you have cancellation cover in place should anything go really wrong so that you are not left out of pocket. Other things you might want covered include supplier failure, flowers, the wedding cake, essential document indemnity, legal expenses, lost or stolen luggage, and transport delays.
Insurance Tips
You should take out travel insurance the moment you have booked the wedding date, so that if anything happens then you will have your cover in place. Also, before you purchase a travel insurance policy, make sure that you check the value of each event that is covered. A maximum payout is often applied to different events, so you may need to take out extra cover for particularly valuable items, such as the wedding rings.
Always Take Out Insurance
Caribbean weddings may be the stuff of dreams, but yours could turn into a nightmare without the right insurance in place. Make sure you take out an insurance policy that covers both standard travel insurance and wedding insurance so that you can enjoy your wedding with complete peace of mind.
Wedding Insurance – As The Scouts Say “Be prepared”!
March 1, 2011 | Author admin
I was never a scout, but I do agree that you should be prepared whatever it is that you intend to undertake, but especially so if it is a major expense like a wedding. You would therefore need to have some form of wedding insurance.
In days or yore, when people honoured agreements and promises, the matter of cancelling a wedding was out of the question. People simply did not cancel wedding plans. This probably had something to do with the fact that they were controlled by parents. However, modern weddings, and by that I mean in the last 20 years, are usually planned and controlled by the bride and groom in association with the parents. In fact, the parents are often merely the providers of some or all of the necessary finance, although more and more couples are financing their own weddings.
Because weddings these days are typically costing £20,000 and more, it is not just a simple decision to cancel a wedding and re-arrange it. For most people, their wedding costs come only third in their list of most expensive items to their home and their car.
So, we are going to be looking, in the next series of five articles about wedding insurance, at the most common reasons to have to make a claim under your wedding insurance policy.
The number one reason why most people have to claim under their wedding insurance is cancellation. To make things clear, we are talking about unforeseen events causing cancellation, and not just somebody changing their mind!
One of the more poignant reasons why a wedding may have to be cancelled and thereby trigger a valid claim is bereavement close to the wedding date. This could be a close family member who would otherwise have been involved, or even the bride or groom. Unfortunately, it does happen, and when you have spent a large amount of cash making arrangements, you do not want to have to proceed with things whilst still suffering from the loss of someone close.
Another old chestnut is the venue. Amazingly, one of the most common reasons for cancellation of the wedding involving the venue, is that it has been double booked. Whether you would have any sort of legal claim against the venue owners is beyond the scope of this article, but you would almost certainly have a valid wedding insurance claim.
Cancelling a wedding these days is not some cursory decision made on a whim, because the financial implications are too severe. So, if you are involved, either as a bride or groom, or you are the parents of a couple who are planning a wedding, please make sure that the first port of call is to arrange wedding insurance before you put pen to paper arranging anything else. Be sure to evaluate every item of expense and add it together and add a little on top to come to a figure. You will be surprised at the total and you must be sure to cover your total expenditure before you complete the insurance documents and put them away.
Wedding Insurance: What Does It Entail?
February 21, 2011 | Author admin
Your wedding is supposed to be the happiest day of your life – but organising it could be one of the most stressful experiences you’ve ever had to go through. The list of things you have to organise can seem never-ending: from booking a venue and choosing a dress to arranging a photographer and caterers. On top of that, you actually have to send out the invitations! With so much to think about, it’s no surprise that so many brides and grooms forget to purchase wedding insurance.
The average wedding is now estimated to cost over £21,000 and, with so much at stake, it’s crucial to make sure that your investment is protected. After all, while you might not want to consider the possibility of something going wrong, there’s always the chance that a sudden accident, illness or – in the worst cases – bereavement might force you to cancel or postpone your celebrations. With a comprehensive wedding insurance policy in place, you may be able to recoup these costs. Before you purchase wedding insurance, however, it’s important to make sure you know what’s covered and how much of it applies to your situation.
Most standard wedding insurance policies will cover cancellation and rearrangement of your wedding or reception, as well as any damage that many occur to the wedding dress or the groom’s attire. In addition, many policies will provide protection for photos needing to be retaken, non-appearance by the caterer and loss of wedding rings – all common problems that have the potential to destroy your big day. Better still, if your gift list includes high value items – such as crystal ornaments, expensive cookware or an LCD television – it’s prudent to ensure that your wedding insurance offers sufficient protection for your wedding presents.
At the same time, you should be aware of what your wedding insurance policy does not provide for. For example, while you may receive cover for cancellation of your wedding due to an accident, illness or bereavement, you probably won’t be protected if you and your partner simply decide you no longer want to get married. It’s also unlikely that you’ll receive cover for damage caused to your wedding cake by vermin, marquee damage during erection or dismantling, or theft from unattended wedding vehicles.
If you’re planning a modest celebration with a small outlay, you may not think you need wedding insurance. However, most wedding insurers offer varying levels of cover from which you can choose – so smaller weddings can opt for lower tiers and large bashes have the choice of more protection.
In the long term, paying for wedding insurance is likely to be a sound investment. For instance, if you should have to postpone your wedding and you lose the deposit on your venue, you’ll be able to claim this cost back on your policy, for which you’ve paid just a fraction of that amount. And with this financial safety net in place, you’ll enjoy some valuable peace of mind in the run-up to your magical celebration.
Wedding and Events Insurance
February 21, 2011 | Author admin
Big Day, Big Bills
People spend on average anywhere from 6 months to 2 years planning their wedding, taking care of every detail from the perfect venue and dream wedding gown right down to the grape, vineyard and year of the wine. But the time you commit to making your big day just right is just part of the investment you make, the average cost of a wedding in 2008 was around £17,000.
Do you Need Insurance?
Weddings in the UK can cost as much as much as a new car, yet amazingly despite the enormous amounts of money involved, only 2% of people surveyed by Which? in 2008 had ever taken out wedding insurance or been directly involved in a wedding that was insured. So what does wedding insurance cover?
Though all policies and levels of cover differ in what they cover Wedding insurance typically covers you in the event that the bride, groom or close relatives fall ill, requiring you to cancel or postpone the wedding. It can also protect the following from loss, theft and failure of suppliers:
* presents
* flowers
* cake
* transport
* rings
* wedding outfits
* photographs
In addition you may want to check a policy to see whether it will pay any costs you may incur for re-arranging your wedding.
Decisions and Deposits
One of the main deciding factors in choosing the wedding date is the availability of your desired venue, which couples sometimes need to book 18 months in advance. Usually a deposit is needed to secure the venue and from then on its full steam ahead – arranging everything from the caterers to the photographer – all of which need to be booked in advance and secured with a deposit.
When Things Go Wrong
A lot can happen in 18 months and unfortunately, no matter how well you plan, unexpected events can occur that may leave you out of pocket. Let’s look at one couple as an example. The caterers they hired for their wedding (15 months before the event) were self employed and by the time the big day rolled around the caterers were no longer trading. Wedding Insurance can cover any deposits, so this kind of situation needn’t end in tears – but it’s a good example of how being well prepared can leave you vulnerable.
Be Prepared
What people often underestimate is how, thanks to deposits, you can be financially exposed at a very early stage of planning. Taking out Wedding Insurance is a good idea if you want to protect yourself financially for any deposits that have been put down. You can usually take out Wedding Insurance up to 2 years prior to the wedding date and be safe in the knowledge that you are financially protected should things go wrong.
Protecting your wedding: A Piece of Cake
February 21, 2011 | Author admin
The Romans celebrated their weddings with the bride and groom sharing a piece of barley bread loaf; the groom would break the rest over the head of the bride as a symbol of good luck and fertility. In the seventeenth century, a savoury “Bride’s Pie” was used to mark the wedding; tradition was that a glass ring would be hidden in the pie and the lucky lady who found it would be the next to be wed. In the mid sixteenth century, sugar became more plentiful, and sweeter, tiered cakes were introduced. A classic wedding cake has three tiers; the bottom tier for the wedding reception, the second for the guests and the third tier for the first child’s christening. History has now come full circle as young couples may opt for a cheese wheel and port as a savoury alternative to cake. This option provides a handy snack for late night party goers, and different tiers can accommodate as many types of cheese as you like. But what happens if your cake gets lost or damaged? Princess Diana famously had a second ‘stunt double’ cake made for her wedding to Prince Charles in 1981, just in case the original suffered an accident. Restricted budgets will probably mean this isn’t an option for you, but wedding insurance can provide a reassuring alternative. Wedding insurers will often cover your wedding cake up to thirty six hours prior to the wedding and four hours after the wedding. Since the average wedding cake costs £370 it is worth taking precautions. Most of the time wedding items, such as the wedding rings and cake will be centre of attention. But what about before the wedding? With most policies your wedding cake and the other valuable items that your wedding insurance should protect will only be covered if they are stored safely. That’s important to remember, as your policy may not pay out if loss or damage by theft occurs in an unattended vehicle. In order to be covered by wedding insurance wedding items must be either in a locked boot, locked in a vehicle concealed from view or kept in a locked glove compartment (though obviously this wouldn’t be applicable to the wedding cake!). Whether sweet or savoury, the wedding cake is a ceremonious moment to mark the beginning of your new life together – and wedding insurance can offer that extra slice of reassurance to ensure your cake is enjoyed without a hitch.
Benefits of My Wedding Insurance
February 21, 2011 | Author admin
One of the best events that could happen in your life is your marriage and you must be sure about all the aspects of having a successful marriage. Though, it may sound weird, you will definitely make sure to plan the arrangements accordingly, that if something goes wrong during or soon before your marriage, that may lead to cancellation or postponing of your marriage. Having a wedding insurance will definitely help you in being sure of having immediate assistance during emergency crisis.
Wedding insurance, although a new concept in place, grows well with the attention of all the wedding family. Various companies tend to offer you, various attractive plans as a part of your wedding insurance and therefore wedding insurance comparison becomes essential in choosing the right kind of policy that will be suiting all your personal requirements. It is always advisable for you to avail a wedding insurance policy on your name as early as you plan your wedding, so that the obtainable coverage will be more. A basic insurance policy will cover any loss against the photos or videos or damages towards wedding costumes and rings. It is important that your insurance plan must cover general liability as a part of your wedding insurance. Contact your vendors such as flower supplier, catering supplier, music party supplier and others about their recovery policies and discuss the same with your insurance service provider. This will help them in planning a coverage policy for you that will cover almost all your needs. Your wedding insurance may not help you at the last moment in case if the issue is your personal change of mind towards each others’ family or the couple themselves.
Finally, by understanding the benefits of having this policy, I had availed my wedding insurance and got various benefits out of the same. I will also suggest all of you to consider the same, for being protected on the D-day of your life.
Insurance Protection for Civil Ceremonies
February 21, 2011 | Author admin
Wedding insurance will cover civil ceremonies, including the cake, rings, flowers and the civil wedding venue. A civil wedding offers the happy couple a chance to say ‘I do’ in their own special way – however, you don’t need special wedding insurance for a civil ceremony. Standard wedding insurance will insure a civil wedding just as well as a religious wedding ceremony.
Wedding insurance will give you and your family financial piece of mind as you tie the knot with the person you love. Since 1992, more people in England and Wales have decided to go up the aisle in a civil ceremony than in a religious service. In fact, in 2008, civil ceremonies accounted for 67 per cent of all ceremonies, which is an increase of 61% since 1998.
Whilst this increase in the number of civil ceremonies might have something to do with there being more premises licensed for civil weddings, it also demonstrates that couples are taking control of their own wedding day. A bride and groom no longer feel that they have to confine themselves to the tradition of a religious service – instead they are getting married in country manor houses, on the beach, in castles, and even in the MP’s dining hall at the Houses of Parliament in Westminster!
There are lots of unusual places to get married and just as long as the venue has a recognised wedding license and the service is conducted by a registrar, you can get married wherever you want. However unusual the venue is, you should still be able to take out wedding insurance to cover the big day. You may want to be covered in case the venue cannot hold the wedding at the last minute, perhaps due to damage to the venue, closure or illegal activity. Your guests may even have trouble getting to the venue if there is seriously bad weather and wedding insurance will protect you from that financially. Although you may plan your civil wedding down to the last detail, there will always be circumstances beyond your control, which could hamper your big day.
Civil ceremonies are a great way to get married just the way you want to. Wedding insurance providers understand how important your wedding day is and they will work with you to ensure your heavenly civil ceremony is financially secure.
Wedding Insurance- for preserving Your Day
February 21, 2011 | Author admin
Wedding Insurance plan gives a wide range of cover whereas you’re nuptial in that there are many possibilities which liability spoil your nuptial plans. There might be plans which will include rainfall, cloud, but extreme weather conditions forces to postponed or hesitate ascendancy wedding plans. However, indubitable is unlikely that small, troublesome events would betoken included predominance the cover, jibing whereas rainfall, cloud, etc. but stronger weather forces that affect the nuptial tempo almost absolutely would, consonant now floods, landslides, earthquakes, etc. If denying weather or deviating unpredicted events were to cause your nuptial or reception venue to execute or wax inaccessible thence your marital insurance policy would provide a constructive wreck of tester. The same intendment would cover unpredictable events adumbrate the wedding car supplier or the caterer or even if the bride or groom should sustain an adventure which caused the married to be canceled for the planned date. A low premium insurance plan to cover undocked of the wedding instance suppliers and events will repossess in that those unexpected situations that obligatoriness bequeath you seriously independent of pocket. When you check a new car the cool care that you solve is getting an insurance cover since rightful also thrust irrefutable to safety.
It’s really heavy to understand why so many folks move this risk of planning their wedding misplaced limb matrimonial insurance. There are divergent plans whereas matrimonial insurance fancy if you are alignment for a classy matrimonial whence practiced is a preferable wedding insurance coverage and if it’s a closed affair thence you guilt obtain the fit plan now your wedding. When couples concoct planning their wedding, they grant a big canary to wedding insurance or them working at last moment when there is no scope of worldliness concern. If planned properly and accordingly wedding insurance acts since your lee coverage in that you’re wedding.
Planning further management your wedding can embody the wildest also enjoyable occasion of your plan. No particular wants information to attack offensive. It is advisable that when you are planning your grub or venue manages your connubial insurance contrivance obscure you.
Wedding Insurance: Peace of mind or just another expense.
February 21, 2011 | Author admin
Getting married is not only about taking decision for your future but it’s also about taking decision for investing a lot of money on your wedding event. When you hope everything will go smoothly, there are chances that something may not go as anticipated on the most important day of your life. Wedding Insurance can be the savior when this go out of your hands. So, what are the things that may go wrong and turn out to be a real headache on this important day? Since marriage is a big event and you have to attend so many details so things may surely go haywire behind the screen, if not managed properly.
1. Reception venue gets changed/goes out of business.
2. Whether turns unfavorable.
3. Bridal shop goes out of business.
4. Vendors go out of business or no-show.
5. Wedding rings get damaged/lost/stolen.
6. Wedding photos get damaged.
7. Wedding gifts get damaged, stolen.
The bridal couple or their parents are unable to attend the ceremony due to illness.
As we don’t buy a car without getting it insured against any damage, same applies to your marriage event, it’s an expensive event and getting it insured becomes a priority due to the as it is once in a life time (hopefully) event. This policy worth the amount you pay because it brings peace of mind it in return which worth a million.
Making a decision about Wedding Insurance purchase is an additional cost to your entire wedding budget, but it will help you manage things if they go wrong or any unforeseen disaster occur. Whether you buy a wedding insurance or not, you always have a backup plan if things go wrong, same does the wedding insurance, it assists you manage your backup plan. Disasters arrive without any notice and they may cause a lot of damage or loss to your wedding, wedding insurance empowers you to face those.
There are many ways to purchase a wedding insurance and internet has made it considerably easy to view, compare and buy different insurance policies. You can easy get all the information, compare various policies and make a decision.
