Dear Bride and Groom,

I know many couples that do not see the benefit or need to take out wedding insurance. But with the average wedding costing around eighteen thousand pounds it doesn’t seem unreasonable to take out protection. After all, you’d buy insurance for a new car that cost £18,000!

No one wants to think about anything going wrong on or leading up to their wedding day but at least with insurance you have the security of knowing that you won’t lose out financially if the worst does happen.

The most common claims on wedding insurance (and therefore my top reasons to buy it) are:

-         Damage to the wedding dress

-         Problems or cancellations with the wedding venue

-         Wedding suppliers going bust

-         Damage to photographs.

All of these things are just horrible to even imagine happening to you. But it is worth taking a moment and thinking about what you would be able to do in any of these situations. At the very least you would have to pay out for repairs and replacements on top of the likelihood of losing some very substantial deposits. Wedding insurance safeguards you from losing out financially and allows you to be able to cope with any problems that do arise.

Obviously each policy is different and you will perhaps need to look at a couple of different providers to find one that covers you for all the things that you are most concerned about. It is also a good idea to check the excess on the policy and see if you can lower or raise it to suit you.

Don’t forget to look for any optional extras. Some policies even come with discounts on other wedding services that could be worth looking at. With most policies available to look over online it is easy to shortlist a few favourites and then speak to the companies about any questions you have.

As most insurance providers now offer wedding insurance its worth speaking to some of your existing providers and see if they can offer you a discount for holding multiple policies. You might also want to check what could already be covered under existing home policies e.g. Wedding rings.

As part of my service I help couples to find insurance that suits their needs and sits within their budget. I think it is a really valuable service – although I hope you never have to use it!

Kind regards,

Kim Rix

Your London Wedding Planner