07 January 2015

Make sure your wedding is covered

Your wedding is one of the most important days of your life, so it’s only natural that you want everything to go without a hitch. Unfortunately, no matter how well prepared you are, some unforeseen things are beyond your control.
With risks including; damage to the bride’s dress, photos needing to be retaken, or even caterers failing to turn up - we take a look at how wedding insurance could help you focus on enjoying your day. 

What's covered?

Wedding insurance can give you added peace of mind that if the unexpected does happen in the run-up to or during your big day, you won’t be left out of pocket. 

Most policies cover you for things like:

  • Cancellation or postponement of your wedding because the bride, groom, close relatives or wedding party fall ill (as long as it’s not due to a pre-existing medical condition).

  • Loss or damage to wedding attire, presents, cake, flowers and rings. 

  • Problems with your photographs. For example, if the memory card is damaged you’d be able to restage your wedding so new photos could be taken.

  • Failure of suppliers. If a supplier fails to turn up or goes bust, you’ll be reimbursed for any lost deposits and helped with the cost of finding a new supplier, often at short notice.

  • Extreme weather that prevents more than half of your guests getting to the venue. 

  • Additional cover

    Need a little extra? Many insurers will allow you to extend your cover to include extras such as marquees and firework displays.

    What's not covered?

    It’s always a good idea to check the small print to make sure you know exactly what is and isn’t covered.

    Remember, wedding insurance wouldn’t cover the bride or groom getting cold feet and calling off the wedding, or pay out if you can’t afford to pay for your nuptials. The honeymoon wouldn't be covered by standard wedding insurance either; so you may need separate travel insurance for that.

    How much does it cost?

    The good news is that wedding insurance is very affordable, with prices starting from around £20 and rising to more than £200 for comprehensive cover. Most insurance companies offer different levels of cover, so you’ll need to work out which is suitable for you. Your choice of policy will depend on the size, type and cost of your wedding. Most insurers will allow you to upgrade your policy, so don’t worry if you decide you need more cover at a later date.

    You may already be covered!

    The even better news is if you have a credit card or home insurance, some parts of your wedding might be covered without needing wedding insurance.

    • Home insurance – with some home insurance policies, you can increase your cover a month either side of your wedding to cover wedding gifts and even items you've purchased for your wedding. Make sure you check your policy documents first though. 
    • Credit card purchases – for purchases made on your credit card between £100 and £30,000, you may be able to claim back the money from your credit card provider if you’ve not been supplied with goods you’ve paid for, such as a the wedding venue cancelling. You can find out more via the Money Advice Service.

    Getting married abroad

    If you’re planning to marry overseas, make sure your policy still covers you. Not all do, so you may need to take out specific overseas wedding insurance, which can include cover for delayed travel and the cost of replacing any documents essential for your wedding if they get lost or damaged.

    Check out our Credit Card and Home Insurance pages for more on Nationwide products, or visit our Getting Married guide for more information.

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