Wedding Insurance: What Does Wedding Insurance Cover?

Having problems with the venue, vendors, weather, key people, sickness, or injury are the top concerns of couples when it comes to their wedding day. You will find there is a specified maximum amount, which can be claimed under each section, and also a deductible may also applies. Be sure to find out the details of your wedding insurance plan before buying.

* Venue: Check to find out if your ceremony and reception veue already has insurance. If it's not, then your wedding insurance can cover the costs involved due to unavoidable cancellation (such as damage or inaccessibility to the ceremony venue), if your reception hall is unable to keep to your reservation due to burning down, electrical outage, or just closed down.

* Vendor - they no show to your wedding, what if your cater orother importna vendors fail to turn up, a wedding insurace policy willocver any cancellation or postponement arising.

* Weather: Any weather conditions that will prevent the grom, bride or any relative whose presence at the wedding is essential, or even if uests can't make it due to adverse weather the insurance will cover rescheduling the wedding and all the necesssary details that come with it.ntal, and reception food.

* Sickness or Injury: Wedding insurance will also cover you if a key person, bride or groom become sick and are unale to atttend.

* Military or other Job: Military personnel may be shipped out to another country at a moments notice and wedding insurance cover postphonement due to rde or groom getting called up to service. This may aso apply to your comany job to if for instance your compnay relocate and you need to move too.

What does Wedding Insurance not Cover...

* A change of heart yeither party.

* Watches, jewelry, or semi-precious gemstones or pearls even if they are attached to clothing.

* Wedding rings may be covered by the policy but normally engagement ring is not.

You may Require Additional Coverage.

You may like to take out supplemental policies to defend against other damages incured by wedding-related items such as photography and gifts.

* Photography: Some insurance policies pay for you to retake the photographs after the fact if the photographer fails to appear or the original negatives are lost, damaged, stolen, or not properly developed. Some policies will pay to re-stage the event - with the principal participants so that pictures can be retaken. A policy may also pay for the costs incurred for rehiring a photographer, buying a new wedding cake, and new flowers, etc.

* Gifts: Regardless of how to wedding gifts are gven too you on the day, valuable items like gifts are something else you might want to consider insuring. Gift coverage pays to repair or replace non-monetary gifts that are lost, stolen, or damaged. You will have to submit a police report for any stolen gifts. The damage or theft is limited to a specific time frame as stated in your policy before or after the wedding in order for the coverage.

* Attire: This form of coverage pays to repair or replace the bridal gown or other special attire when it is in your possession and is lost, stolen, or damaged (including financial failure of the bridal store).

* Personal Liability: Personal liability covers injury or property damage caused by an accident that occurs during the course of the wedding.

* Medical Coverage: This covers reasonable medical expenses (up to the policy's limits) for each person who is injured during the covered events from a cause of loss, which would be covered by your personal liability.

* Honeymoon: This can cost as much as a new car at times. But before you buy travel insurance to protect your investment, see if your credit card covers you if your luggage gets stolen, your trip is delayed, or you have to cancel it. Certain wedding insurance packages include optional travel insurance for your honeymoon.

Wedding-Day-Insurance provides information and tips on getting the best Wedding Insurance around and offers other information on insurance including, What does Wedding Insurance Cover?

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Wedding Insurance: What's Covered by Wedding Insurance Policy?

Having Insurance coverage for your wedding may be the single most important investment you could spend on your wedding day, with all insurances there are several different options available to cover your risks and unforeseen occurrences which could affect your wedding day. Policies can start as low as 160 pounds in the United Kingdom so its a wise decision to take out an wedding day insurance policy.

Here's a list of typical coverage if you take out an wedding insurance policy:

1. Lost wedding rings - repair or replacement cost if the rings are damaged or lost.

2. Severe Weather conditions - If natural disaster affects your wedding you will be covered.

3. Formal attire - repair or replacement if brides or grooms attire is damaged or lost.

4. Lost deposits -reimbursement for your deposit if a supplier goes out of business, declares bankruptcy before your wedding, or simply fails to show up on the wedding day.

5. Photos - If the photographers film is defective or negatives are damaged or lost, the cost to re-shoot the photos is covered.

6. Military Action - If the room or bride is called into action and misses the wedding, the cost to postponement is covered.

7. Damaged Wedding Gifts - If your gifts are damaged you will receive the repair cost o replacement cost.

8. Illness to bride and groom - If the wedding cancelled due to an illness you will get reimbursement.

9. Venue Insurance - Liability insurance will cover you if a guest gets injured or causes damage to property.

10. Additional Expenses - if a supplier last minute not available for your wedding, you are reimbursed for the difference in cost.

So there is a potential for a lot of things that could happen to your wedding plans, so taking out a wedding insurance would not be a bad idea. After purchasing the insurance policy you can rest at ease that you have covered yourself for any of the unforeseen circumstances that could happen.

Wedding-Day-Insurance provides information and tips on getting the best Wedding Insurance around and offers other information on insurance including, Whats Covered with Wedding Insurance Policy

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Wedding Insurance: When Disaster Strikes

The cost of arranging a wedding has increased over the years and a simple wedding can cost on the up of £10,000 and more and more couples are investing in wedding insurance to cover for the unknown disaster that may occur. This is because wedding insurance is very cost effective when compared to other costs of a wedding.

More couples are organising their big day themselves which can cover items such as venue booking, flowers and all other areas of the wedding independently. The down side is there is no one person is liable and many of the costs are not insured too.

If you book a service form a vendor and they go bust before your big day you will join the Que of unsecured creditors and will end up at the back of the line to get your money back. Another worry is if you opt for your wedding to be held in a non typical location like a marquee, where you will require public liability to protect you claims or injury or damage to property.

Wedding Insurance

A number of insurance companies are offering wedding insurance, from specialist companies like Weddingplan and Ecclesiastical to household names such as John Lewis(Greenbee) and Marks and Spencer Wedding Insurance.

Different companies will offer different cover so its important to study what your insurance policy will cover and don't cover. For example Greenbee includes public liability cover which will pay out in the event of any claims arising if an accident occurred whereas other will not.

Most insurance companies will cater for different levels of cover that you can choose from and will specify how much will be paid in different circumstances. Greenbee for example has 12 levels of cover costing from between £46 and £355.

A key detail of a policy to look at will be the amount that the policy will pay in the event the wedding has to be cancelled fr a certain reason. This can range from a few thousand pounds for a entry level of cover, to as much as £50,000 for the high end.

What is covered in your Policy?

A quick total of all the various costs will give you an idea of what you are covered for. The cancellation amount that they will pay if the venue cannot be used for some reason or if a key member of the wedding party - either the bride, groom and parents or guardians - dies or is ill or injured before the ceremony.

Policies can be covered to cater for the wedding dress or other special outfits are lost or severely damaged.

If the parties paying for the wedding are made redundant and the wedding has to be cancelled due to this reason the wedding insurance policy will payout, but the policy needs to be in place eight weeks before the notice has been given.

Wedding-Day-Insurance provides information and tips on getting the best Wedding Insurance around and offers other information on insurance including, Wedding Insurance - When disaster strikes.

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Wedding Insurance: Protect Your Future

Most weddings will end up costing more than a car, and would you drive your car without insurance? but most future husband and wife will risk their wedding plans without any insurance. If you compare the cost of house,car and personal insurance you will see wedding insurance costs far less. So a relatively small amount of money for your wedding insurance premiums will bring peace of mind.

Wedding insurance policies will cover you against certain circumstances that will affect your wedding day, if weather is to affect the wedding or the reception until it needs to be cancelled then your covered. The same policy will cover you against the car supplier or caterer not turning up and even if bride or room as an accident that makes attending impossible you will be happy to know your covered too. For a low wedding insurance premium your policy will cover all of your wedding day suppliers and events and compensate which can leave you in a difficult situation.

When you start to plan your special day one of the first thing that you should do is get wedding insurance, this is too ensure before you put deposits or pay in full for anything you have the insurance policy in place to cover you if the other party lets you down.

A good wedding insurance policy will cover you for the following items:

* Cancellation of wedding (it won't include cold feet)

* wedding attire-including rings and dress including groom, brides maids and best man

* Cancellation of wedding venue and reception

* Suppliers- caterer,flowers, photographer etc

* Personal accident liability for bride and groom

* gifts

Planning and organising your wedding can be a very enjoyable and fun experience as it leads up to one of the most important days of our life's. We don't except anything to go wrong and normally it does not, but it's very reassuring to know if anything ever does go wrong you have wedding insurance to give you peace of mind. When you start to plan your wedding day and confirm the suppliers, take out your wedding insurance policy at the same time. This will give you the maximum period of cover and you can now focus on your special day knowing you have insurance for your wedding.

Wedding-Day-Insurance provides information and tips on getting the best Wedding Insurance around and offers other information on insurance including, Wedding Insurance-protect your future

Article Source: http://EzineArticles.com/?expert=Norman_A_Bates