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Should You Have Wedding Insurance?

Should You Have Wedding Insurance?

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I know you do not want to think about this, but what would happen if something were to go wrong with your wedding plans, which prevented you from enjoying you wedding day? It could be something completely out of your control, like the weather (especially if you are having an outside wedding).

What would happen if one of your suppliers lets you down (like your cake gets dropped on the way to your reception venue or your dress gets ruined without time to put it right)? Or if the unthinkable happens and the whole day gets canceled at the very last minute?

This can be absolutely devastating for you and ruin everything. It can also put a tremendous amount of strain on you as a couple. It can leave the bride and groom to be distracted and left with a huge mess to sort out. Where would you even start? Planning a wedding takes months to get everything in order, so the only thing you need to do is make sure you are covered if something terrible happens.

Wedding insurance is the umbrella that covers almost everything wedding related. With the right wedding insurance policy in place, you will be covered for the financial burden of resolving unforeseen problems that may arise, including a damaged wedding dress, suppliers who let you down, and even the weather. With a positive attitude, you may think that nothing can go wrong, but it is such a huge gamble. A wedding can cost in the region of £ 15,000 to organize, so sure a small premium to cover these expenses is worth it?

Think about this – could you afford to re-arrange your wedding again if something went wrong? For example, one of the most common uses of wedding insurance is for postponements. Many wedding suppliers will ask for a deposit when you place your order, and usually these deposits are non-refundable. Perhaps, due to illness, accident or other reason, you have to change the wedding date. Can you afford to lose all those deposits?

You may still be wondering whether paying for wedding insurance is an expense you can do without, especially on top of everything else you are budgeting for. Only you can know whenever it is worth it. For peace of mind and to reduce your stress levels, it has to be worth thinking about.

Some aspects may already be covered by other insurance policies you have. Your home insurance can cover accidents from within the house. But, if it happens away from home, you are probably not covered.

Ask your suppliers what happens if you have to postpone or cancel. They may have their own insurance cover if something gets damaged by them. Again, you may be covered to some extent by your wedding suppliers. Once you are armed with this information, you know what cover you need from your additional wedding insurance.

You have a lot to stress about, why should you worry if things out of your control actually go wrong Wedding insurance is there to protect you and help you get on with the other planning aspects of the wedding. If you find that you have no problem going through the process without any coverage at all, and you have the money to cover unforeseen circumstances, then you might not want to get wedding insurance. If that's not the case, get the cover you need and be prepared.

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Source by Roger Mayne

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