There is one piece of advice I would not ignore, that is ensure wedding insurance is boxed off early on! The average cost of a wedding in the UK is over £25K. Whilst, you may not decide to spend this amount, if you had to replace something quickly – could you do this? Wedding insurance is much more than just safeguarding your spend. Having that essential peace of mind will keep stress levels at bay.
According to John Lewis you could have your wedding restaged in order for those important wedding photos to be retaken if your photographer doesn’t turn up! We think that is a pretty cool back up plan.
6 Reasons why you need wedding insurance
- Bad Weather – Britain does not have the most predictable of weather, you have to consider the logistics and how the weather can quite easily disrupt travel plans, preventing guests, transport suppliers and the bridal party from arriving on your big day. This doesn’t just happen in winter either, consider freak flood weather in the height of summer and that festival wedding could turn into a mudbath.
- Suppliers – The number of suppliers in the wedding industry has exploded as a result of demand. An easy industry to set up business in, some suppliers sadly lack experience or generally cut corners putting you at risk. Some suppliers work on their own and with this brings an element of risk. They may not even with all the best intentions be able to serve you on your wedding day.
- Equipment & Technical failures – Suppliers rely on their equipment and sadly equipment no matter how well maintained can go wrong.
- Bankruptcy – Sadly this is something we see every day! The wedding industry is no different despite the huge popularity of weddings. Even the big players in the wedding industry are not immune. Greenwood’s Menswear, Debenhams and bridal favourite Alfred Angelo have all been hit.
- Death and or Injury – Heaven forbid but life happens and it doesn’t take into account your impending nuptials. A serious issue may force you to consider re-scheduling or cancellation. However, don’t expect suppliers to happily comply without any penalty, even if the news is grave to you. It’s nothing personal but suppliers are unlikely to waive expected payments because of your personal situation.
- Damage – Floods and Fire at your venue can cause complete devastation within minutes and sometimes, which could mean cancellation of the date at short notice.
The wedding back up plan?
We all see these stories but often feel immune as they always happen to someone else, however think for a minute what is your plan B? Can you afford to lose deposits and re-book? Can you afford to re-run the day, if something catastrophic happens? Don’t be the person that wishes they had got wedding insurance!
Talking of plan B we have got a fabulous Free wedding checklist to help ensure things under your control don’t go wrong – click here
Leading wedding insurance provider John Lewis advise couples should always:
- Always get contracts in writing.
- Get receipts for everything.
- Make a note of when full payment is due for each purchase, so you don’t lose deposits or suppliers.
- Confirm everything with suppliers a month before your wedding.
- Get supplier recommendations before booking anything.
- Keep track of what you’re spending and adjust your wedding insurance accordingly.
*Find a reputable supplier for your insurance needs and make sure you check the policy details