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Wedding Insurance for Cancellation And Liability Cover

Posted July 27, 2011 by in Articles | No comments yet

Taken the plunge? Then it’s time to consider buying Wedding Insurance Cover . Wedding Insurance will mean one less worry!

Is wedding insurance cover a useful cover or is it just another expense to add to the list? Having just got married myself my first piece of advice for those who have decided to take that stroll down the aisle . Try not to think about the cost , this is a once in a life story (hopefully!) occasion , which should be the happiest day of your lifetime and the events of the day will remain for ever in your memory .

The other piece of advice is Get Wedding insurance!

The cost of a UK wedding is about £16000 on average but you can pick up a fairly robust premium for a cost about £30 for basic cover . At these prices you really shouldn’t have to think about taking out the cover !

When you have agreed the date, make the necessary bookings, buy your wedding cover and pay for it by installments .

If you take out weddings cover early it’s one less thing to worry about . Believe me! there will be lots of other things to worry about on the wedding day !

Even if you are thinking of not spending quite so much then a specialist wedding policy may suit you better – you might be thinking of a small event , but remember that you will be purchasing some of the most expensive dresses, clothing and breakfasts and dinners you have ever purchased .

As with all covers it is important to understand what could go wrong before purchasing additional cover. One suggestion is to make payments on credit card and if you can pay the balance immediately . Any payment between £100 and £30,000 are covered through section 75 of the Consumer Credit Act if there is a problem with goods or services .

Also many home contents insurance policies increase cover for a month either side of the wedding of someone in the household to cover the value of gifts and sometimes items purchased for the wedding. Check you policy to see if it covers wedding goods .

Make sure the policy you choose providescover for loss of damage to the things you have ordered , such as the wedding dress, as well as gifts, the wedding cake, the wedding rings, flowers and photos and video services .

Most often cover starts a set period before the wedding and finishes a set period after – from seven days before to 24 hours after for wedding gifts , for example – however there are a lot of variations depending upon the Insurer . Also you’ll be relying on wedding services from a range of providers so ensure your chosen plan will cover any extra expense you might make up to the policy limit if things don’t go exactly to plan.

Special Events Insurance will also cover you against any deposits lost or the costs of finding substitute providers should yours go into liquidation (but don’t forget that you would already be covered by section 75 if you paid by credit card so do not fork out an unnecessary premium if you do not need to.)

An important cover within wedding insurance isliability to the public or damage caused to a third party. This may be covered by your home insurance or the place where you are having a reception own cover etc; but {this can be quite important| public liability is essential if you have the wedding in a public place such as a beach or park etc .

Many policies offer additional areas of cover, some policies offer legal expenses , personal accident or even stress counseling but you should add these extras only if you really need them.

It is very simple to purchase Wedding Insurance online, and you can save money both by comparing policy prices or by going to a specialist events insurance company, who often offer much cheaper policies with a wider range of wedding insurance covers .

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