A disaster can strike at any time, be it any day. It could be anything from cancellation of the marriage hall to gifts getting stolen, gown getting damaged and so on. Hence, it is important that you exercise prudence and purchase wedding insurance.
This form of insurance provides coverage to a couple’s hard earned funds from situations wherein you have no control and also provides reimbursement for the expenses incurred by you. Catastrophes can strike at any time at the time of your wedding. Your wedding hall may face some problems and you would have to make arrangements for a new wedding space at the end moment. You may also lose out on the deposit amount. These are big day monetary losses which wedding insurance would cover.
Check out with insurance providers and find out on the different covers, so that you get an idea of what is covered in it. Essentially, an insurance policy covers photographs, clothing, gifts, rings, videos and so on. If you have to go in for an accident cover along with this, it would cost a little higher. Simple general liability insurance would be slightly cheaper as compared to an accident cover.
Many caterers or your wedding site planner would have already purchased their insurance; hence you need not shell out money from your pocket. Check out with the vendors and double check the amount of coverage. If there is anything which has not been covered and you feel that it has to be covered, then you might as well go for it. The sooner you buy your wedding insurance the better. With this coverage, you can be rest assured that you could get back your deposit amount. However, check out with the insurance provider on the time frame. Wedding insurance would cover problems related to your wedding site, sickness, injury, vendors, weather and so on. These are the peak concerns which need to be addressed.
Do not ignore checking out the insurance policy of the reception site. If key people, like the bride, groom or any other important relative are not able to make it to the wedding venue, due to weather conditions, then your wedding insurance would cover such situations also. It may also cover wedding rescheduling, rentals paid to the tent owners, caterers, florist etc.
If the florist or the caterer fails to show up, your wedding policy would cover these contingencies. This policy also covers postponement or cancellation of the wedding; if at all the groom has an emergency military posting. If there is a job location shift, then the bride would have to relocate which could result in last minute wedding site changes.
You also need to check out the fine print so that you also know what doesn’t get covered. Your semi precious stones, watches, jewellery may not be entitled for coverage. Similarly, the engagement ring is not covered. If you intend taking out additional coverage, then you would get covered against other wedding related items. Last but not the least, double check with your insurance agent and understand the details related to what the John Lewis Insurance cover has in store for you and your better half.