Here at Robert Tate Photography, Robert has provided a means of helping couples plan their big day through his regular blog posts. The main aim of this blog is to help guide those who are bewildered by the prospect of tying the knot, or even just providing the reassurance that you’re on the right track. Join us every week for more helpful hints and tips. Keep on reading for in insight into the world of wedding Insurance. From all of us here, live for the moment!

Wedding Insurance

Insurance policy

As soon as I mentioned insurance I imagine your jaw just dropped, please don’t think I’m turning into a fully suited Yankee selling you life insurance, I’m not!

I presume your thinking ‘why on earth do I need Wedding Insurance?’

Well think about it another way, take your mobile phone for instance. Taking into account your monthly tariff your likely paying £600+ over a 24 month contract. If the sales rep tries to up-sell you insurance it is likely to cost you around £8 per month, over 24 months that’s over £200! In total your paying £800+ for a phone that likely costs less that £150. So I imagine the majority of people forgo insurance and run the risk of breaking or loosing their mobile phone and replacing it with a cheap-as-chips handset when the time comes.

Now consider these important facts:

  1. The average wedding costs almost £20,000.
  2. Couples usually spend around £4,000-£8000 on the reception alone.
  3. The dress and other outfits can easily add up to around £2,000.
  4. Don’t forget to add the wedding rings, flowers, cake, transport, honeymoon, photographer, the cost of stag and hen endeavours – even stationery.

Not only is there the financial aspect to take into consideration but also other less obvious risks such as:

  1. Wedding attire damage.
  2. The re-taking of the wedding photos.
  3. Cancellation due to illness or bereavement of the immediate family.
  4. The caterers fail to turn up at the reception.
  5. The wedding rings are lost.
  6. The wedding transport fails to turn up.
  7. Cancellation due to the venue being double booked.
  8. Public liability property damage.
  9. Wedding presents are lost or stolen.
  10. Financial failure of suppliers.

one thing to note is that these facts are provided by wedding insurance brokers and so directly reflect the claims made. They are not applicable to every wedding, they only emphasise how much the average wedding costs and what can go wrong at your wedding. I suggest that you weigh up the pros and cons of taking wedding insurance and make the decision for your self.

In this day and age some couples are reluctant to save in order to place a deposit down on the house of their dreams in order to tie the knot. Instead they put all their savings into their wedding, Which may turn out to be the devil in disguise.

Final Word

You can’t replace a lost wedding like you can a mobile phone!

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  1. I am definitely bookmarking this website and sharing it with my acquaintances. You will be getting plenty of visitors to your website from me!

  2. Thank you, I’ve just been searching for information about this topic for a while and your article is the great. You give me ideas about wedding insurance and I think will help me a lot to make smart decision when the time comes.

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