Like pre-nuptual agreements, wedding insurance is one of those nasty things we don’t like to talk about when we’re planning our big day. The prospect of anything going wrong is unthinkable at this stage, and you’re likely to jump to the fevered conclusion that nothing could ever pay you back for the distress caused by any disasters that happen on the day – so why try to put a value on it?
A more sobering argument against taking out wedding insurance is that while many eventualities are covered (caterers going bust, flowers delivered to the wrong address etc), the most common reason for wedding disasters is not: you won’t be covered if – heaven forefend – you or your betrothed should get ‘cold feet’. The odds are in this sorry situation that you’ll still be eligible for most costs, especially if it’s a last-minute jilting.
So what can you do to get some peace of mind?
The short answer is: be aware of your rights, and don’t get ripped off by companies trying to sell you ‘special’ confetti-spangled insurance deals that you don’t actually need.
If you have contents insurance, then the odds are this will already cover most of the costs associated with your wedding day, says Cathy Neal, senior researcher at Which? So if you haven’t already taken this grown-up step, then your wedding may provide a good opportunity to do so.
However, even if you’ve slipped up there, the odds are most of your suppliers will already have contractual obligations to you to deliver the goods (and the flowers) as and when they agreed: this is because anything over £100 that you pay for by credit card will be protected by section 75 of the Consumer Credit Act. Knowing your rights in this way is a far more potent tool against Wedding Fail than many specialist insurers – some of which do not even cover ‘essential’ wedding services, such as gift providers like the now-defunct Wrapit.
If you still want to insure, go with a firm you already know and trust. Talk to your existing insurer if you are satisfied with their service to see what add-ons can be arranged to cover you big day, and don’t be lured by companies out to play on the fears of anxious couples.
Did you suffer a ‘disaster’ on your big day? Was it covered by insurance – and did this allay your distress? Tell us all in comments!