Avoid 5 Common Mistakes When Buying Wedding Insurance

Getting Married? You really ought to consider buying Wedding Insurance. Wedding Cover will mean one less worry!

But is Wedding insurance cover a useful cover or is it just another expense to add to the list? Having just returned from my honeymoon here is my first piece of advice for those who got engaged . Don't think about the additional cost , this is a once in a lifetime occasion , the happiest day of your life and the memories that you make on this magical day are memories that will last you a lifetime. .

The second piece of advice is for crying out loud get yourself insured!

With the cost of a wedding being around £15000 on average however the average Wedding Insurance policy will cost about £30 for basic cover . At these prices you really shouldn't have to think about taking out the cover !

After you have set a date, booked the photograhers and other services, arrange your wedding insurance cover and pay for it by installments .

Get it done early and it is one less worry . Believe me! there will be lot's to worry about on the day without worrying about what's covered !

Even if you are getting married 'on the cheap' If you are thinking of having just a small wedding then a specialist policy is still worth very serious consideration – you may be thinking of a small event , but take into account that you will be buying some of the most expensive dresses, clothing and meals you have ever purchased .

However, as with any form of insurance it is important to understand what could go wrong before you buy the cover . One idea One way is to pay for the cover on a credit card where possible (although always make sure you can clear the balance immediately) . If you make a payment between £100 and £30,000 are covered through section 75 of the Consumer Credit Act if there is a problem with goods or services .

If you have taken one out, home insurance policies increase cover for a month either side of the wedding of anyone living in the house to cover the value of gifts and sometimes goods purchased for the wedding. Check your policy documents for details .

What you really need to be looking for in your wedding insurance policy is cover for loss of damage to the wedding attire , such as the wedding dress, as well as gifts, the wedding cake, the wedding rings, flowers and gifts for the guests .

Wedding Insurance covers a set time – from seven days before to 24 hours after for wedding gifts , for instance – however there are a lot of variations depending upon the Insurance company . Remember that you will be relying upon the services from a range of providers so make sure your wedding insurance will cover any extra expense you incur up to the policy limit if things don't go exactly to plan.

Special Events Insurance also covers you for deposits you can't recover or the costs of finding substitute providers should yours go into liquidation (but don't forget that you would already be covered by section 75 if you paid by credit card so do not fork out an unnecessary premium if you do not need to.)

An important cover within wedding insurance isliability to the public or damage caused to a third party. This may be covered by your home insurance or the hotel's own cover etc; but {this can be quite important| public liability is essential if you have the wedding in a public place such as a beach or park etc .

Many policies offer additional areas of cover, some policies offer legal expenses , personal accident or even stress counseling but you should add these extras only if you really need them.

It is very simple to buy Wedding Insurance online, and you can save money both by shopping around and by visiting a specialist events insurance company, who often have better value for money products with a wider range of wedding insurance quotes .