3Supplier no-show If your caterer doesn’t show up or the photographer ghosts you in the days leading up to your wedding, your insurance policy should cover the cost. It is important to keep track of all the details, as you will need written agreements with suppliers to act as proof. A paper trail of conversations with suppliers is essential. 4Turbulent weather A policy which is especially important for those tying the knot in the UK. Your wedding insurance policy should include a point which states that if half of your guests are unable to attend due to extreme weather conditions, then you should be able to make a claim. Some policies will differ slightly on this, so it is important to check and make sure you are protected. 5Lost, stolen or damaged goods The cost of wedding bands, outfits, cake and flowers can all add up very quickly in the lead up to your wedding. So, protecting these things is essential. Your policy will most likely specify that any incidents, damage or loss needs to happen ahead of your reception in order to be covered. 6Public liability Public liability at a wedding is essential and covers the wedding organiser against any legal claims from guests, including injury and loss of goods. This policy is not often covered in standard wedding insurance, but may be required specifically by some venues, so it’s always worth checking with your suppliers and the insurance provider. 7Destination weddings When getting married abroad, there can be an even larger volume of risks for the couple, such as issues with travel logistics and local permits. Not all standard wedding insurance policies will cover overseas events, so it’s best to talk to insurance providers and double check what’s covered and what will need added as optional extras, to ensure you’re fully covered. MEET THE EXPERTS: Quotezone.co.uk helps over four million customers every year compare and find savings and includes specialist protection, such as wedding insurance or unoccupied home insurance for those off enjoying a long honeymoon. WEDDING SPEECHES 91
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