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Thread: wedding insurance...

  1. #1
    Advertisers Angel vintage bouquets's Avatar
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    Default wedding insurance...



    Can I ask how many brides feel it is important to take out wedding insurance . I had the unfortunate job to call 7 girls getting married in the next 3 weeks and give them the bad news that their photographer was ill and in hospital ( a friend of ours] and could not do their wedding . I am shocked and dismayed that only 1 had taken out insurance and this was only because her venue insisted on it .

    Does anyone think it is a waste of money or do you think its worth its weight in gold this is going to help me with my suggestions to clients in the future.

  2. #2
    Super Senior Member Mrs Davis2b's Avatar
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    I didnt even know there WAS wedding insurance grrrrrrrrrrr... another thing to add to the list LOL...

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    Senior Member highlandbelle's Avatar
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    After booking our wedding/honeymoon (we are getting married abroad) the next thing on my list was wedding insurance. It only cost me about 20 so is worth it for the peace of mind incase something does go wrong. If I was marrying here I'd be even more keen to get insurance! x

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    We took it out after reading posts on the forum and it has given me peace of mind x x

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    Absolutely, we did this once we had a few things booked, making sure that we chose a policy that covered the payments already made. While it's great to have in case an emergency caused us to have to cancel/postpone, it's essential in this economic climate really. I'd rather not take the chance of losing money if a supplier goes out of business.

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    We have wedding insurance, i felt it was important as i booked a lot of things in advance and the way things are just now, its best to be protected.

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    I took out insurance as soon as we started planning the wedding. It only cost about 60 through E&L but it was worth it. Thankfully i didn't have to use it but if something had gone wrong, i wanted the peace of mind. For me, you get insurance for you car, home and life so why not you wedding. Its always best to take out protection especially in the current climate.

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    we r taking it out what annoys me is u can book things over 2 yrs in advance but u cant get insurance. rather annoying, our venue has just brought in a need for it as well. think in this climate its important

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    I booked wedding insurance too (got it through Quidco and got cashback), think it worked out at about 55. Obviously hoping I wont have to use it but think its defo worth it with so many companies going bust these days x

  10. #10
    Super Senior Member AnotherMrsBrown's Avatar
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    I took out wedding insurance straight after paying the venue deposit. Just with what business have been like in last few years I didnt want to take the chance that I paid my money to them and they then went bust etc. I went with Debenhams through topcashback and got 15 cashback. Others have used John Lewis and E&L from what I remember reading. I think for the 50 or so its nice to have that piece of mind that if something went wrong you are covered esp with you spending thousands on the day x
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    i dont think its worth it. yes our pianist had to cancel on us but returned our deposit straight away and we found a cheaper alternative with in the week. however in saying that our entire budget is only 10% the national average so i cant speek for larger budget brides.

  12. #12
    Senior Platinum Member Harajuku80's Avatar
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    I wouldn't go without it to be honest! We are saving very hard for our wedding and every penny counts so to lose any of it due to companies going bust or people being unable to provide a service we have paid for with hard earned and saved money would be pretty devestating. I think it's better to have it...prevention is better than a cure...better to be safe than sorry etc etc xx

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    Thats good to know girls, we have been in the wedding industry for over 30 years and have never given a client any cause to claim against us sowe have never given wedding insurance any thought, however this week has changed my way of thinking when as I said I had the uneviable task of informing 7 brides they have lost lots of money and have to rebook a new supplier. We are now thinking of suggesting to our clients that take out insurance but didnt know how to broach the subject given they might think that we are saying WE might go out of business. I have heard this week that a well know chain of Hotels insist on wedding insurance now before they take a booking so that must be a sign of the times too .

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    This is something I never really considered at the start. I only just recently started to think about it, but I have already booked venue, band, photographer and I***8217;ve got my and my BM***8217;s dresses.
    When I had a look at it they said it wouldn***8217;t cover anything bought before this was taken out so not sure if there is really much point now?
    Plus, I just don***8217;t understand it all. What is a good deal? It would also be my luck that that if something did happen and I needed to claim there is probably some stupid clause in there that I didn***8217;t know about.

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    Carirw,

    Who was it you took your insurance out with? I've already made bookings and paid deposits but not in the time scale window for insurance yet, has to be 2 years I think??

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    Decided to have a quick look into it

    Existing cover for your wedding

    Before considering wedding insurance, check any protection you already have.
    Section 75 protection for credit cards

    Paying for anything more than 100 and up to 30,000 with a credit card means you can claim your money back from your credit card provider through section 75 of the Consumer Credit Act if there is a problem with goods or services that constitutes a breach of contract. This could include your reception venue being double-booked or the wedding cake not being delivered.

  17. #17
    Senior Member LesleyMerritt's Avatar
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    Quote Originally Posted by Angel vintage bouquets View Post
    Thats good to know girls, we have been in the wedding industry for over 30 years and have never given a client any cause to claim against us sowe have never given wedding insurance any thought, however this week has changed my way of thinking when as I said I had the uneviable task of informing 7 brides they have lost lots of money and have to rebook a new supplier. We are now thinking of suggesting to our clients that take out insurance but didnt know how to broach the subject given they might think that we are saying WE might go out of business. I have heard this week that a well know chain of Hotels insist on wedding insurance now before they take a booking so that must be a sign of the times too .
    Just a thought....would your friend not just give bvck the deposits instead of getting the girls to claim through their wedding insurance on basis that he is in hosiptal and the fact that his company has not gone into administration etc?

    We have wedding insurance with Debenhams.

  18. #18
    Senior Member watson2b's Avatar
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    One of the first things I did was take out wedding insurance (only because I was being synical and assuming the groom would get cold feet ) I haven't needed it yet but i'm glad it's there, had I not taken it out I would have had to find some now as my venue have changed their t's & c's to state that every couple now NEED insurance to use their venue.

    Got mine through E&I for 35 after reccomendations on here.
    x

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    Quote Originally Posted by LesleyMerritt View Post
    Just a thought....would your friend not just give bvck the deposits instead of getting the girls to claim through their wedding insurance on basis that he is in hosiptal and the fact that his company has not gone into administration etc?

    We have wedding insurance with Debenhams.


    The thing about this case is that several of the girls have paid final balance and now the vendor is very ill and in hospital so as yet is unable to return any money, that may change when they are better and fit again , however the girls who have paid their balance have had to rebook and pay again for the service , had they had insurance they would have paid that for them and recovered the money on their behalf as they have done for 1 couple .

  20. #20
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    My venue did ask that we get wedding insurance but my OH and I decided we would have got it anyway. You are spending a lot of money on your wedding and if something happened that you got really ill and couldn't have your wedding, you would be losing thousands of pounds. At least with wedding insurance you are then covered and you would get money back. Like other people have said, it doesn't cost that much money and you can get different types depending on the size of your wedding.

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    I have copied and pasted this from the other thread in another section. I have told this story a number of times on SWD but I feel so strongly about wedding insurance I will continue to give this advice!

    This is why I would get insurance...

    """""""

    I was originally due to get married in October 2010 but my gran was diagnosed with lung cancer in the summer and we made the decision in July to postpone the wedding.

    At this point we were due to pay 50% (well we actually charged 75% in the end but thats another story) of all our venue costs.

    I had spent extra on my insurance - 100 - and this came with my own insurance specialist based in Glasgow. This person was worth the extra money alone - he fought and fought and fought to get the money back. If I had gone for a cheaper insurance I would never have managed to get the cash back. He spent many hours chasing this up on my behalf, something which I didnt want to do as with my gran being seriously ill/passing away and also the heartbreak of having to choose not to get married, it wasnt an easy task for me to discuss!

    I got my full 8,500 back and didnt have to do anything - he handled it all and kept me up to date with progress.

    It may have been an extra 40-50 but it was the best money I have EVER spent.

    If someone wants the insurance broker I used let me know - PM me - I will give you his number and email.

    PLEASE insure your wedding - you don't know what may happen in the lead up to the big day

    and PLEASE insure well - don't scrimp on your policy with a cheap insurance you find in some leaflets in the wedding magazines - I know that an insurance I would have paid 30 would never have paid out 8.5k!

    as a positive though we are rebooked for this October

  22. #22
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    Hi Angela

    We got it with E&L and they are covering everything booked before we paid for the policy but we are within the 2 year window which does seem to be pretty standard. The only issue would have been if we had already paid more than 1000 on venue costs as they wouldn't have covered that amount but we had only paid our 500 deposit.

    It may be worth checking if you take the insurance out at the 2 year stage do they cover previous to that? Always worth a call I think, we had to call E&L to verify they did cover us as the website wasn't too clear.

    Quote Originally Posted by Angela Macintyre View Post
    Carirw,

    Who was it you took your insurance out with? I've already made bookings and paid deposits but not in the time scale window for insurance yet, has to be 2 years I think??

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  23. #23
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    Sorry to hear about your gran Heather, I am delighted you are rebooked and can look forward to this year though.

    This is definitely a great example of why not to go without and not to get the cheapest as you never know what could happen. Part of my reasoning when looking into this is that my dad is waiting on a kidney transplant so if he got that call the week of the wedding things could change. However as it is an existing condition insurance won't cover this (and I looked at all of them) but at least we know that now and are not presuming....

    Most people probably don't use their insurance but isn't it nice knowing it's there just in case....


    Quote Originally Posted by Heatherbelle View Post
    I have copied and pasted this from the other thread in another section. I have told this story a number of times on SWD but I feel so strongly about wedding insurance I will continue to give this advice!

    This is why I would get insurance...

    """""""

    I was originally due to get married in October 2010 but my gran was diagnosed with lung cancer in the summer and we made the decision in July to postpone the wedding.

    At this point we were due to pay 50% (well we actually charged 75% in the end but thats another story) of all our venue costs.

    I had spent extra on my insurance - 100 - and this came with my own insurance specialist based in Glasgow. This person was worth the extra money alone - he fought and fought and fought to get the money back. If I had gone for a cheaper insurance I would never have managed to get the cash back. He spent many hours chasing this up on my behalf, something which I didnt want to do as with my gran being seriously ill/passing away and also the heartbreak of having to choose not to get married, it wasnt an easy task for me to discuss!

    I got my full 8,500 back and didnt have to do anything - he handled it all and kept me up to date with progress.

    It may have been an extra 40-50 but it was the best money I have EVER spent.

    If someone wants the insurance broker I used let me know - PM me - I will give you his number and email.

    PLEASE insure your wedding - you don't know what may happen in the lead up to the big day

    and PLEASE insure well - don't scrimp on your policy with a cheap insurance you find in some leaflets in the wedding magazines - I know that an insurance I would have paid 30 would never have paid out 8.5k!

    as a positive though we are rebooked for this October

    Created by Wedding Favors

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