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Insurance – do we need it?
Speak to an expert and get the full picture
Quite simply whether you choose to buy insurance is a personal decision but one you really should discuss to weigh up what’s right for you. Take into consideration how much you will be spending and all the ‘what ifs and maybe’s that could occur on the lead up to the big day. No-one wants to face the fact that something could go wrong but being covered should put your mind at rest and allow you a few less sleepless nights. Make sure you read the small print and check the policy is right for your specific wedding.
High value items
If your new sparkler is worth more than your ‘single item’ value on your home insurance – get that dazzler insured separately. Just call your insurer and ask to add your ring as a separate item on your insurance. Take a photo of it and keep the receipt safely.
Are your suppliers insured?
You’d be amazed how many wedding business do not have insurance. Many think they don’t need it but if they’re worth their salt they should really have taken out at least a decent Public Liability insurance. Transport businesses, venues, marquees, food companies and certain other categories often require additional insurance and checks in place so ask if all their ducks are in a row before you hire them.
I’ve recently been unnecessarily spending out on travel insurance for trips away, only for hubby to tell me we have a far better travel insurance policy already in place with our bank! I called them, made a few tweaks to our policy and for a small price upgrade we’re now covered worldwide rather than just in Europe. It’s worth checking with your bank for all those little extras they offered you, which you’ve since forgotten about, and check any policy you do have is adequate for your trip and destination.
Going on a cruise? – not all travel insurance covers cruising as standard so if you’re setting sail double check your policy and upgrade it to make sure you’re covered.
Please note: I am not insurance expert and your personal circumstances are unique to you so please check with a professional to ensure you take out the correct insurance for your needs.
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