You can make every effort to ensure that all of your planning details come together for the wedding day of your dreams, but there are many factors outside your control that can profoundly affect or even postpone your special day. The illness of the bride or groom (or a close family member), an unforeseen weather pattern, or a deposit lost to a vendor who goes out of business can all make adjusting or postponing your wedding unavoidable. There’s no need to panic however – wedding insurance can safeguard the investment you’ve made in the perfect wedding, and give you the confidence (plus peace of mind) that your planning and beautiful day are covered. The remarkably affordable policies (starting at less than $195) are specially tailored to meet the needs of couples planning a wedding, and are appropriate for both small and large events.

What Is Wedding Insurance?

Wedding insurance are policies specifically designed to protect you from financial loss in the event your wedding must be cancelled or postponed due to circumstances beyond your control, or if one of the major elements of your wedding (e.g., photographs, wedding attire, and/or gifts) is lost or damaged. Most policies respond in the event of a cancellation or postponement resulting from causes ranging from such common concerns as adverse weather and illness, to events that are rarely considered, such as unemployment, military deployment, or acts of terrorism. In addition to providing coverage for cancellation and postponement, many wedding insurance policies include coverage to protect your wedding photography, wedding dress and attendant clothing, jewelry, and gifts from damage or loss. Finally, most wedding insurance programs also provide the ability to purchase liability and property damage coverage that protects the wedding couple against claims for damage to the premises and/or property rented for the wedding reception, as well as host liquor liability. Whatever your situation, there is a wedding insurance policy that is suitable for your needs.

What Is Usually Covered?

Not all wedding insurance policies are alike, and the cost for a policy naturally depends on the coverage limits you need. Some of the areas covered in a typical policy include:

• Weather. Generally, if the policy is purchased more than 14 days before the wedding and extremely bad weather prevents the celebration from taking place or a majority of the guests from attending, the cost of rescheduling the event is covered. You should note that stormy skies and light rainfall alone won’t qualify as reason enough to cancel your wedding.
• Key People. If people crucial to the wedding are unable to attend due to illness or injury, the cost of postponing the event is covered. This also holds true if the officiant fails to appear on your wedding day.
• Service Providers. If your caterer doesn’t arrive with the food, for example, or the ceremony or reception site burns down or goes out of business, you’re covered for the cost of your non-refundable deposits paid and expenses incurred so that you can reschedule your special day. Some policies will also include coverage for the increased cost of replacement items or services, if they are available, to avoid a postponement of your event.

Additional Coverage.

There are a number of additional areas that can be covered by a wedding insurance policy (either as part of a package, or as add-ons at an additional charge). The options include:

• Photographs & Video. If your photographer fails to show, if the film used for your photos is defective, or if the negatives are lost, destroyed, or improperly developed, this coverage allows you to reunite the wedding party for a re-shoot.
• Gifts. This coverage is designed to protect you against the theft, damage, or loss of your wedding gifts.
• Wedding Attire. If your wedding gown or the attire of one of your attendants is lost or damaged, this coverage will provide for repair or replacement.
• Loss of Deposits. If one of your vendors goes bankrupt or ceases doing business, this coverage will reimburse you for any deposits you may lose as a result.
• Personal Liability. More and more, wedding couples are expected to carry their own liability insurance to protect their ceremony and reception sites against damage to property and injury to guests. Without such coverage, you may be left vulnerable to expensive bills and/or lawsuits.
• Rented Property. If you are renting a tent, tables, or chairs for the wedding, this coverage will pay for repair or replacement of the rented property.

Cost And Acquisition.

The cost of wedding insurance generally starts at a one-time premium of less than $195, with a number of the coverage options previously mentioned included. Of course, higher limits and additional coverage options are available with only moderate increases in the premium.

One Last Thing.

Wedding insurance does not cover you for “change of heart.” So, if either the bride or groom decides not to go through with the wedding, the people footing the bill will pay out of pocket.

A Few Couples Helped By Wedding Insurance:

• The couples’ wedding that was postponed to a future date because the groom was rushed to the hospital with appendicitis.
• The bride who arrived to pick up her dress at the bridal salon only to find a “Bankruptcy” sign plastered across the window.
• The couple whose garden wedding was canceled when a September hurricane blew in.
• The couple whose caterer went to a tropical island with the deposit money and never returned.
• The couple whose wedding gifts were stolen from the reception hall while the wedding ceremony was taking place.
• The wedding that was rescheduled due to a fire rendering the appointed ceremony location unavailable.

Not being an insurance agency, WeddingChannel.com cannot advise you about whether or not to purchase insurance for your wedding, but we can tell you all we’ve found out about the subject, and let you make your decisions from there. As you prepare for your wedding, you’ve no doubt made non-refundable deposits and signed contracts with service providers for such things as the reception location, the flowers, the catering and so on. These contracts protect your vendors, so it is important that you learn how you can protect yourself. We hope that this article has helped you better understand what wedding insurance is designed to cover, in order that you can decide whether wedding insurance is right for you.

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Do I need wedding insurance?
Well in my opinion yes. Your wedding is such a romantic occasion and there is always so much to plan for the day and the last thing people want to think about is what happens if any problems arise, but of coarse sometimes they do. Be it your perfect dress, your beautiful venue or your stunning wedding car everything costs money and your average wedding in the uk now costs a staggering  £18,500 it really is a major financial commitment and who can afford to risk that. I have heard of hotels canceling last minute, caterers being stuck by floods and in the current economic climate wedding shops going bust before dresses are finished.
If the worst happened most couples would find it hard to cover all the cost of canceling the wedding and paying for it all over again at a later date and without insurance would be powerless to recover all of the costs already paid out. For this reason I truly believe wedding insurance should be as much of a priority as the dress.
So what is covered on wedding insurance? As with all insurance this all depends on the policy and level of cover you choose, there are policy’s are there for as little as £15 up to £300 plus all of which will give a range of cover for different amount and different things. The minimal cover you will need of coarse depends on the budget of you wedding but most policy’s will cover at least, cancelation of your wedding/reception, Damage to wedding dress or suit, Failure of Suppliers Wedding Rings, Flowers, Attendant’s Gifts, Cake. The top 5 claims for insurance company’s are said to be, Damage to the wedding dress, jeweler or outfit Cancellation, Problems with the venue, Problems with suppliers, such as caterers and cars and damage to photographs so make sure these are covered to a value that match’s what you are planning to spend.
I am not here to recommend who you should use for you insurance but a couple of good sites to use are

http://www.compareukweddinginsurance.co.uk

http://www.confetti.co.uk/article/view/6825-102-0.do

http://www.weddingcover.co.uk/
Read everything carefully and shop around and your insurance could be the best thing you buy for your wedding. So why wouldn’t you purchase wedding insurance?  I would say the most common reason is simply that it slips most peoples minds. With everything to plan people don’t even imagine (or maybe they don’t want to imagine) that anything could go wrong. Often people belive that there contracts cover them for any problem that could arise  or maybe they simply have a it will never happen to us attitude. As with many things in life its better to be safe than sorry
*Note: I am not an insurance broker nor insurance professional this blog is for information purpose only please seek advice from a professional insurance broker before you purchase your insurance

Will you be needing to renew your car or home insurance soon, perhaps you’re going on holiday soon and need some insurance or maybe you have a pet that could do with some insurance?  If you do, then have a look at these well known retailers that have been added to MBM recently - great value policies and MoneyBack too!

Asda Finance Home Insurance – £32.50 moneyback

Asda Finance Home Insurance – £13.75 moneyback 

M&S Car Insurance – £17.50 moneyback

M&S Home Insurance – £12.25 moneyback

M&S Wedding Insurance – £10.50 moneyback

M&S Pet Insurance – £9 moneyback

M&S Travel Insurance – Up to £4 moneyback

Liverpool Victoria 50 Plus – £27.50 moneyback

Liverpool Victoria Motor Insurance - £22.50 moneyback

Liverpool Victoria Home Insurance – £22.50 moneyback

We hope you find the policy you are looking for!

Will you be needing to renew your car or home insurance soon, perhaps you’re going on holiday soon and need some insurance or maybe you have a pet that could do with some insurance?  If you do, then have a look at these well known retailers that have been added to MBM recently - great value policies and MoneyBack too!

Asda Finance Home Insurance – £32.50 moneyback

Asda Finance Home Insurance – £13.75 moneyback 

M&S Car Insurance – £17.50 moneyback

M&S Home Insurance – £12.25 moneyback

M&S Wedding Insurance – £10.50 moneyback

M&S Pet Insurance – £9 moneyback

M&S Travel Insurance – Up to £4 moneyback

Liverpool Victoria 50 Plus – £27.50 moneyback

Liverpool Victoria Motor Insurance - £22.50 moneyback

Liverpool Victoria Home Insurance – £22.50 moneyback

We hope you find the policy you are looking for!