Should I buy wedding insurance?
Over my years as an experienced Birmingham wedding photographer I have had several panicked calls from stressed brides because the photographer they booked has let them down and they don’t have wedding insurance. I always endeavour to shoot their wedding for them and if I’m already booked on their date, I help them to find somebody who can. On top of the stress they often end up paying out twice for a wedding photographer. This happens to me at least once a year and I always feel so sorry for the brides and grooms involved.
Weddings are happy occasions that almost always go off without any drama (unless you’re a soap opera character!) However there are many things that could happen that are beyond your control and could mean that your wedding has to be cancelled or rearranged. So, in my opinion, the short answer to ‘should I buy wedding insurance’ is yes! You definitely should.
Having a photographer let you down is terrible but is just one of many things that can go wrong. Imagine your wedding venue having a fire or a flood and is consequently inaccessible to you and all of your guests. Imagine any of your suppliers going bust, your wedding and bridesmaids dresses get damaged and ruined, extreme weather preventing half of your guests attending, or the unthinkable thought of the bride or groom becoming extremely ill. What happens then?
With the average cost of a wedding in excess of £27,000 (an increase of 9.6% on the year before) it seems insane that anyone would not factor the small cost of wedding insurance into their budget. It’s true for some things you are covered by paying by credit card (if the supplier lets you) but this will not cover everything that wedding insurance can.
So how does wedding insurance work?
Wedding insurance policies offer fixed amounts of protection, so you just work out how much your wedding costs and then find a policy that gives you enough cover. For example, if the total cost of your wedding is £20,000, then you’ll need to get a policy that offers this amount of cover for cancellation or rearrangement. The policy starts from when the cover is taken out and ends once your wedding is over. You can take out a policy up to two years before your wedding date. The earlier the better as some insurers may insist you take out cover before you book anything.
Like any purchase, shop around and compare providers and make sure you’re clear about what is and isn’t covered in the insurance.
Planning your wedding is fun and exciting and having the peace of mind of knowing that you are covered should anything go wrong is worth the cost of buying the insurance. It’s a drop in the ocean compared to what my couples pay for the whole day.