Looking at getting wedding insurance before we put any deposits down as we have things pencilled in and would really like to confirm them.
We can't work out the wedding insurance though, we'll probably spend between £15,000 and £20,000 on the wedding. But the cancellations cover is always less then certain things, if that makes sense, so for a policy with cancellations cover for £10,000, covers supplier deposits for £6,000 and wedding attire for £5,000.
Am I right in thinking if we cancel the wedding due to whatever reason then we can only claim from the cancellations cover... or can we claim for everything separately. Say if the venue cancels last minute due to bad weather or damage to the premises and we had to cancel the whole thing, could we only claim £10,000?
CommentAuthorWhovianbride
There are ones that you can make each section work for you.
Met June 2009 on my Birthday,Met again July 2009 and got
together, May 2010 Moved in,Jan 2011 got pregnant,
August 2011 Got our own place, 2011 Had our Baby Girl,
Dec 2011 Got engaged, July 2015 Getting married! Yay!
CommentAuthorDonnaH39
But am I right in thinking if the wedding is cancelled we can only claim under cancellations and not for everything individually?
So if the venue cancelled we couldn't claim for the transport under the transport section it would have to be within the cancellations?
CommentAuthorWhovianbride
Don't see why you would not be able to claim transport, If the venue cancelled for sone reason and you had to cancel or postpone you wedding you should be sble to claim for everything else to!
Met June 2009 on my Birthday,Met again July 2009 and got
together, May 2010 Moved in,Jan 2011 got pregnant,
August 2011 Got our own place, 2011 Had our Baby Girl,
Dec 2011 Got engaged, July 2015 Getting married! Yay!
CommentAuthorDonnaH39
But wouldn't that all have to be under cancellations? So only up to the sum that cancellations is covered?
Another one I've looked at covers £7,500 for cancellations but £1,500 for transport...... that doesn't make any sense, if your spending £1500 on your transport I'm guessing you've spend a lot more the £6000 on everything else!
I actually feel like just crying, I want to get things booked but want to get the insurance first and it doesn't make any sense! What's the point of getting insurance if your not covered if you need it!! But I'm not paying a fortune to be covered for £5,000 transport just so I can have the cancellation cover we need!
CommentAuthorShowgirl
Is the insurance company still open? They'll be able to tell you what is covered and under what circumstances if you give them a quick ring.
CommentAuthorDonnaH39
I called one of them and he wasn't helpful at all, he spoke to me like I was an idiot and said I had to read the policy, which I had but it doesn't make sense.
I think I did finally get out of him what I originally thought, that if the venue cancelled and so the whole wedding had to be cancelled then we'd only be covered up to the limit from the cancellations.... I suppose you could argue that if the venue cancelled we'd claim for that and we'd look at another venue, but what if there was no time to find another venue and what if we couldn't afford another venue before the insurance came through?
CommentAuthorWhovianbride
I depend on the wedding some brides want a blingy car but maybe only having a intimate wedding so venue costs are only £1000 or less x
Met June 2009 on my Birthday,Met again July 2009 and got
together, May 2010 Moved in,Jan 2011 got pregnant,
August 2011 Got our own place, 2011 Had our Baby Girl,
Dec 2011 Got engaged, July 2015 Getting married! Yay!
CommentAuthorDonnaH39
Yeah but surely that isn't the norm and yet it seems to be the norm with the wedding insurance. I'm guessing it's what I was saying about having to book somewhere else, but that's not always doable in a short period of time. Also what if the wedding is cancelled due to a death? Everything would have to be cancelled then.
CommentAuthorWhovianbride
Out ours from my-w3dd1ng 1nsurance for less than £25 And this is what it covers
image.jpg
Met June 2009 on my Birthday,Met again July 2009 and got
together, May 2010 Moved in,Jan 2011 got pregnant,
August 2011 Got our own place, 2011 Had our Baby Girl,
Dec 2011 Got engaged, July 2015 Getting married! Yay!
CommentAuthorDonnaH39
Hmmm
Had a look online and did one ourselves which came out just under £30 but then their sapphire package is actually more cover on everything for £32.
We're thinking although we'll be spending more on the wedding in general, we only need cancellation cover for the big things like venue, transport, entertainment, flowers and suit hire? I can't think of anything else we'd need, as we wouldn't claim for wedding dress or bridesmaid dresses as we'll be buying them anyway and they won't be effected by the venue being cancelled ect.
What have you tried to make sure your covered for?
CommentAuthorWhovianbride
^ you need it for dresses incase it gets broken, or company goes bust and dress do no materialise. its not just for if something happens to the venue but for each individual vendor , like the transport , if the company goes bust or the car you wanted gets written off so you need to book another company who has that car. etc
Met June 2009 on my Birthday,Met again July 2009 and got
together, May 2010 Moved in,Jan 2011 got pregnant,
August 2011 Got our own place, 2011 Had our Baby Girl,
Dec 2011 Got engaged, July 2015 Getting married! Yay!
CommentAuthorDonnaH39
Yeah I have cover for the dress, but that isn't included in the cancellation cover as it's not something that will be effected if the venue cancels, if you get what I mean. It was the cancellation cover that was freaking me out before, as I was just thinking out budget was way over what the cancellation cover was, but then my friend pointed out the cancellation cover only needs to cover the things that will be effected if the date is cancelled for whatever reason.
If I had bad enough luck for the dress to be ruined and the date to be cancelled I would claim for venue, suit hire, cars ect. under cancellation and the dress under wedding attire.
Sorry I might not have been clear in my panic, I knew if the car company for eg went bust that was covered under transport and if the flowers went wrong that was covered under them.... what I didn't get was how you could have such high cover for those individual things going wrong but if the worse happened and the whole day was cancelled, you couldn't claim for those things individually it all went under cancellation yet you could only claim a small amount of the full cost under that.
CommentAuthorKatya
someone mentioned above about the wedding being cancelled due to death:
1. if it was friend or family member, then you could postpone, most companies would understand in such circumstances, they would just allow you some time & reschedule when you are ready. Therefore you would not lose out on any monies spent out already.
2. god forbid if the unthinkable were to happen to the bride or groom, this should be covered seperately under the insurance policy and should be made very clear in the details.
Personally i will not be getting wedding insurance. my venue is only £160, my rings are covered under contents insurance for my home, my dress has been in my grandparents possession since 2009 with no problems so far. im making most of the other stuff such as stationery, centre pieces, favours, drinks etc.
