Why we need wedding insurance

Wedding Insurance is becoming more popular. In truth there is a real danger that as more suppliers enter the wedding marketplace there is an increased likelyhood for things things can go wrong. Dreamsaver Wedding Insurance has got some useful tips to help reduce your concerns and help your big day run smoothly.

 

Planning a wedding often means a “to do” list a mile long, and purchasing wedding insurance should be one of the first things you can cross off this list. With even a modest wedding there can be a mountain of planning involved, and it is easy to see the potential for something to go wrong. Insuring your wedding will give you peace of mind on your big day, so read the below tips from wedding insurance specialists Dreamsaver Wedding Insurance and make sure you get the right cover for you.

READ AND UNDERSTAND THE POLICY

This applies to all insurance not just Wedding Insurance:  ALWAYS read the policy wording before you buy your policy. It will tell you what you are and aren’t covered for, so understanding this is vital to make sure the insurance meets your needs.

MAKE SURE YOU DON’T UNDER INSURE

Match the level of cover you buy with the total cost of your wedding. If you under insure you risk being left out of pocket. You’ll only be able to claim up to the section limit, so if any single element of your wedding, for example your wedding dress, has a value that is higher than the limit of the relevant section of your policy, you should opt for the higher level of cover.

PROTECT YOUR DEPOSITS

If you have paid deposits before you’ve bought your wedding insurance check that your policy covers you for these. Some policies will only cover deposits paid while cover is in force whilst others, such as Dreamsaver, include cover for deposits that have already been paid.

CONSIDER PRE-EXISTING MEDICAL CONDITIONS

Check that any medical conditions of the Bride, Groom or anyone on who the wedding depends can be covered by the policy. You don’t want to cancel and then find that the medical condition is not covered. Unfortunately, some very serious conditions won’t be able to be covered by any insurer.

BUY AS SOON AS YOU CAN

Don’t hang about, be sure to buy your policy in good time as some sections, e.g. Adverse Weather, may have operative time endorsements. This means that cover may not come into force until a certain amount of time has elapsed after the premium has been paid (for example 14 days). As Dreamsaver wedding insurance is available to purchase up to 2 years in advance there is no excuse for leaving it until the last minute, and that’s one more thing crossed off your checklist.

 

KEY FACTS about Weddings in England and Wales

 

  • There were  over 247,000 marriages between opposite sex couples in 2014

  • There were 4,850 marriages between same sex couples in 2014

  • In 2014, civil ceremonies among opposite sex couples increased by 4.1%

     

    Courtesy of the Office for National Statistics

Wedding Facts

Dreamsaver Wedding Insurance is an award winning wedding insurance provider who have been protecting weddings and civil partnerships for over 12 years.

Dreamsaver offers financial peace of mind for your wedding, with 6 levels of cover available starting from just £25, cancellation cover available up to £50,000, and no excesses on any part of the policy.

Dreamsaver has protected more than 20,000 weddings held in the UK and abroad, and has been rated as a “Gold Trusted Merchant” by customers on Feefo multiple years in a row.

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TIPS FOR WEDDING INSURANCE

1.  READ AND UNDERSTAND YOUR POLICY

Always make sure you read the policy wording before you buy.

2   DON’T UNDER INSURE

Match the level of cover you buy with the total cost of your wedding.

3. PROTECT YOUR DEPOSITS

Check your policy covers you for deposits already paid before purchase of your policy.

4.  CONSIDER PRE-EXISTING MEDICAL CONDITIONS

Check the policy cover for any medical conditions of the Bride, Groom, or anyone else the wedding depends on.

5.  BUY AS SOON AS YOU CAN

Be sure to buy your policy as far in advance as possible.

Dreamsaver (see our reviews)

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