What does a wedding insurance covers?

There are many ways that a wedding might go wrong and not according to plan. The more usual ones that seek coverage are outdoor weddings such as having a beach wedding.

So what can you do to protect yourself against these unexpected contingencies?

You have heard from friends on wedding insurance. You have chosen a beach theme wedding and friends advise you to get yourself covered, in case, anything goes wrong, such as rough weather.

But what exactly are items that are protected in the usual coverage and roughly how much is the premium?

Wedding insurance usually covers the following

• Adverse Weather Conditions

This does not refer to the showers or rain that you might get on your big day if your event is an outdoor one such as a wedding on the beach.

It means adverse weather conditions such as typhoon or hurricane which happen prior to your wedding date and results in a need for postponement or rescheduling of the wedding.

The costs for rescheduling are usually covered but do refer to the policy fine prints on the exact coverage.

• Special items such as attire or gifts or jewelry or documents

This help to insure against theft, loss or damage to the attire, gifts, jewelry or documents.

• Wedding photographs or video

This insures against the possible damage or loss of the film or video.

The policy might cover the costs of rearranging for another wedding photo shoot or video to capture the memories of the event.

• Postponement due to failure of attendance of key personnel

This refers to people who are important to the event such as the officiant or witnesses. Their failure to turn up due to unforeseen circumstances causes the postponement of the wedding.

• Loss of deposits or non-delivery of services

If your wedding vendors or suppliers go bust or missing suddenly or unable to provide the contracted services, the insurance will normally cover the deposits made.

• Destination weddings

What are the things that are covered? The policy may cover items such as luggage loss or loss of wedding documents or delayed travel.

Check that the policy covers the overseas travel to your wedding destinations.

Do not mix this up with the usual travel insurance that you might be getting as the coverage of items might be different.

Note of caution

Though the policy seems good and cover majority of the items, do read the fine prints on the limitation and exclusions. Do not assume that the wedding insurance company covers everything.

Do exercise some caution and purchase the insurance from renowned insurance companies who are reputable. Check if they have done similar claims in the past and the ease of claiming.

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