Wedding insurance ~ To buy or not to buy?

Jul 17, 2013 | Weddings
I was reading a newspaper article recently about wedding insurance and it got me thinking. When Mr Sparrow and I got hitched last year we ran the risky gauntlet of not purchasing wedding insurance and had many a raised eyebrow from other brides and even friends about it. I must admit there were a couple of sleepless nights over the hypothetical situations of 'What happens if the house catches fire with all our wedding goods in it?', 'What if the venue goes bust two weeks before the day?', 'What if the florist is sick on the day and we have no flowers?' etc etc... We ensure our houses, cars heck even our moggies, yet when we spend tens of thousands on one of the most important days of our lives, why don't we budget a few pounds for wedding insurance? aneta-mak-sri-lanka-photography3 Destination weddings are the most common type of wedding that brides and grooms purchase wedding insurance for... We could make a list as long as your arm of things that could go wrong but often they are completely out of our control so why bother loosing sleep (like I did) over them? What are your thoughts on if you should purchase wedding insurance or not? On board with it or would you rather chance it? If I could do it all over again (and I would in a heart beat!) I'd purchase it this time. The sensible practical wife side of me thinks it was way too irresponsible to risk losing some or all of the savings we hard worked so hard to save (I sacrificed many a shopping trip let me tell you!). I'd thought about all those scenarios about it going wrong but the truth is I didn't think it would happen to me. I was lucky! I never entertained the thought of me (or Mr Sparrow) being ill on the day and not being able to go. Aneta-MAK-Simple-Wedding-Bouquet Photography ~ Aneta MAK From ripped bridal gowns to washed-out receptions, you only need to watch an episode of You've Been Framed to learn just what can go wrong at a wedding. So if you are one of the couples planning on spending a fortune on your big day in 2013, it may make sense to take out wedding insurance. Here's what you guys said on social media: The Wedding Dress Guide: "I didn't as I had an intimate wedding but I've heard horror stories so would recommend insurance for bigger #weddings" Heidi Hicks: "I did! Felt I had to though since I had fire swingers for my entertainment!!!" FetebySteph: "We did! It would have protected us if the groom or bride didn't show up :) ha!" PolkaDotVeil: "Definitely! Especially now snow can happen any time in England!" Paris-Engagement-Shoot-Aneta-MAK-8w Photography ~ Aneta MAK The article I read explained the finer details: What is wedding insurance? A policy that covers you financially if something ruins your big day or it has to be cancelled or postponed. Do I need it? This depends on how much you are spending on your wedding and whether you believe you need added protection over and above any existing cover you might have. It also hinges on how worried you are about things going wrong and how important peace of mind is to you. If you have paid with a credit card for anything costing between £100 and £30,000, if anything goes wrong you should be able to claim your money back from your credit card provider, using section 75 of the Consumer Credit Act. This applies even if just the deposit was put on your card. According to consumer rights group Which?, this includes problems with goods or services that constitute a breach of contract – such as your reception venue being double-booked or the wedding cake not being delivered. Similarly you could try using the chargeback facility if you paid by Visa or Mastercard for goods worth under £100, although your provider is not legally obliged to chase money from the retailer on your behalf. Most policies allow you to take out wedding cover up to two years before the big day, but if you're getting married in 2013, it's not too late. If you have already paid out for the reception and other expenses you'll still be able to get insurance – and you'll know exactly how much to insure your wedding for.

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All photography by Aneta Mak

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