Wedding insurance, another key item on the list before the big day but what does it actually cover or perhaps, more importantly, what doesn’t it cover? Wedding insurance protects against lots of eventualities but sadly it does not apply when one of the bridal party have a change of heart leaving their prospective partner with a broken heart. Cancellation or postponement of the wedding has to be for a cause or reason that is specified within the policy and that does not usually include cold feet, a sudden realisation that you don’t want to spend the rest of your life with that person or a slow and insidious change of mind.
Other standard exclusions tend to include weddings overseas although some insurers will cover these depending on the destination so you should check the policy wording carefully; sometimes cover is offered but restricted depending on the country of choice for the ceremony. Basically the rule of thumb is the more volatile the location – think wars, civil unrest, coups and unpredictable weather events – the less happy the underwriter is going to be feeling. Your sunset wedding ceremony on an exotic sun kissed shore may simply shout tornado or serious jellyfish sting to him, something he would not get so worked up about if you had chosen a boutique hotel in Vienna instead. Virtually all policies do not cover marquee hire, that has to be added on as an extra, likewise with ceremonial swords, and policies do vary in their coverage of public liability, some offer it some don’t and you may have to add it on for an increased premium. An overseas wedding changes the rules where public liability is concerned so check carefully as some insurers exclude it from cover if your wedding is taking place in certain locations. Finally, it sounds obvious but what is also not covered is anything outside the terms of the cover you have bought so do be really clear on purchase that you understand exactly what you policy offers and the specific financial limits so that you don’t end up in a situation where you are expecting to be covered and then find out you are not…as if missing the big day was not already bad news.