If you’ve planned for your perfect wedding, slight malfunctions can be especially stressful. Disasters can be heart-stopping.

Although this blog may seem a little doom and gloom, Wedding insurance may help you breathe a little easier in case of emergency. A policy can pay for any injuries or damage that occur during the big event, or reimburse you if it’s postponed or cancelled. Here’s what to know about wedding insurance.

The policy primarily provides cover for cancellation and rearrangement of your wedding and/or reception and financial failure of the suppliers.

So, to get more into the nitty gritty, these are some of the things that are in insured:

• Cancellation or rearrangement of the wedding or reception
• Irrecoverable deposits following the financial failure of your supplier
• Loss, theft or accidental damage of your weddings rings, flowers, cake, gifts or any wedding attire
• Retaking your wedding photos or video following non-appearance of the photographer.

Now you may be wondering, what’s not insured? Our specialist advisors are here to clearly run-through the ins and outs of what is and isn’t included in your wedding policy, but to list a few:

• Loss, theft or accidental damage to wedding items after the reception begins
• Change of Heart: Any decision by either the bride or groom to not go forward with the wedding
• Lack of Funds: The inability to pay for the venue, vendors or other expenses associated with the wedding. Unless this lack of funds is the result of involuntary unemployment
• Weather Conditions: Bad weather alone is not enough of a reason to cancel your wedding. The only way weather related issues could qualify for reimbursement is if is bad enough to prevent the key parties or over half of the confirmed guests from reaching the event.

Is Wedding Insurance Worth It?

Deciding on whether wedding insurance is worth it will depend on your personal finances as well as the circumstances of your wedding. Some wedding venues provide catering and other services, reducing the number of vendors and payments. If something were to prevent the venue from being used in these cases, you're more likely to be refunded a larger portion of your expenses.

Purchasing a policy can be quick so if you would like to discuss a wedding insurance policy, or require any other guidance please contact the team on 01905 428848 where you will find someone happy to assist your situation.