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Introduction to Wedding Insurance
If you are thinking of getting marries abroad wedding insurance is something to consider – and it is becoming increasingly popular for couples who are having a wedding abroad to look to cover weddings abroad.
But there’s more. In this article we look at various topics from how to manage cover for an overseas wedding, what happens on the wedding day (very similar to a UK wedding!)
So if you are getting married overseas, and need a policy that is suitable for your needs. Have a look at Emerald’s wedding policy – and you can get a quote in minutes HERE.
Wedding insurance provides financial security and peace of mind for couples planning their big day, especially when getting married abroad.
We can’t tell you to buy wedding insurance, and we can’t tell you which is the best wedding insurance (although we do have a view!). But for your overseas wedding, your wedding day will be up there with the best. And for the best wedding insurance is certainly recommended.
Wedding cover gives peace of mind through a fairly simple insurance policy. On the big day itself, you should be thinking about the wedding ceremony, all the arranged services – and of course the wedding dress….
It covers unexpected events such as venue cancellation, damage to wedding outfits, and supplier no-shows, which can be particularly problematic for overseas weddings.
Think of wedding cover as a series of small insurances bundled into a wedding (or civil ceremony) specific product). So, the obvious is covered – wedding dress, wedding gifts, issues with the wedding venue, wedding suppliers etc.
But also some of the less expected issues – cover for legal expenses, levels of public liability insurance, professional counselling, if you are military personnel called to service – and much more.
Wedding insurance is essential for couples spending tens of thousands of pounds on their destination wedding/abroad weddings, and can help minimise financial losses in case of unforeseen circumstances.
Any wedding abroad may have a large wedding party – which can mean extra expense, even if all in a good cause!
For a destination wedding insurance policy, what are you looking for? Peace of mind, with a reliable wedding insurance provider. We suggest that you look at some of the reviews for Emerald and decide… you can get a quote in minutes HERE.
Purchasing wedding insurance can provide protection for wedding plans, including venue, supplier, and wedding party issues.
BUT – please remember, especially for your destination wedding, a wedding policy is not a travel insurance policy. Travel insurance is a different product – think of wedding insurance as an advance event policy, one designed to prevent loss to your personal finance. Looking at how you get to your wedding, you may decide to take out a travel insurance policy to cover that.
And the good news is that Emerald can also give you a travel insurance policy! If you want to get a quote on that one, then it’s easy – simply click HERE.
It’s worth considering wedding insurance to ensure that your special day is protected against unexpected events.
No-one can force you to get wedding cover – but many people think it is sensible to do so. And you can buy up to two years before your wedding, so you should make it
Understanding Wedding Insurance Cover
Wedding insurance policies typically cover a range of events, including cancellations, damage, loss, or injuries, and can provide financial protection for couples in case of unforeseen circumstances.
Wedding insurance cover can include protection for wedding outfits, wedding rings, and other essential items, as well as public liability insurance to cover accidents or injuries to guests, for both a UK wedding and wedding abroad.
It’s essential to read the policy wording and terms to understand what is covered and what is not, and to consider additional cover options, such as personal liability cover.
When getting married abroad wedding insurance can provide peace of mind and financial security for couples, allowing them to focus on planning their special day.
When looking to purchase cover, it’s crucial to consider the overall cost of the wedding and the level of cover required.
Overseas Wedding Insurance
Overseas wedding insurance is a specialist type of insurance that provides cover for weddings abroad, including protection against unexpected events and cancellations.
It’s essential to consider purchasing overseas wedding insurance when planning a destination wedding, as it can provide financial protection and peace of mind.
Overseas wedding insurance can cover a range of events, including venue cancellation, supplier no-shows, and damage to wedding attire, and can provide protection for wedding plans and arrangements.
When purchasing overseas wedding insurance, it’s crucial to consider the level of cover required and to read the policy wording and terms carefully.
Separate travel insurance may also be required to cover other aspects of the trip, such as medical expenses and travel delays. This is very different from wedding insurance.
Public Liability and Personal Liability
Public liability insurance is essential for weddings, as it provides cover against accidents or injuries to guests, and can help protect against legal costs and financial losses.
Personal liability coverage can also be included in wedding insurance policies, providing protection against unexpected events and cancellations.
When purchasing wedding insurance, it’s crucial to consider the level of public liability and personal liability cover required, and to read the policy wording and terms carefully.
Public liability insurance can provide financial protection for couples in case of unforeseen circumstances, and can help ensure that the wedding day is protected against unexpected events.
It’s also important to consider the level of cover required for wedding service suppliers, such as caterers and photographers, and to ensure that they have adequate insurance in place.
Wedding Insurance FAQs
What is wedding insurance, and why is it necessary?
See above – it is important to remember that wedding insurance can give you essential peace of mind.
What does wedding insurance cover, and what are the benefits of purchasing a policy before my wedding day?
See above – there are many benefits of wedding insurance covering several different aspects. Think about it covering the usual, but stolen or damaged items, if you fall ill, recovering paid deposits, financial failure of suppliers, some (limited) covered for poor weather, damage to ceremonial attire and so on.
Of course, there are terms and conditions, so do read your policy wording carefully.
How much does wedding insurance cost, and what are the different types of policies available?
This will depend on the level of cover wanted, but you can select depending on your budget and how much cover you think that you need.
You can see the levels of cover on our wedding page HERE.
What is the difference between UK wedding insurance and overseas wedding insurance, and which type of policy is required for a destination wedding?
They are largely similar when looking at wedding insurance abroad, and cover the various items that you might think, such as outfits, gifts, transport, photograph etc for all your abroad weddings.
It is designed to help you NOT lose money – an important factor when spending so much on your special day.
How do I purchase wedding insurance, and what information do I need to provide?
You can buy wedding insurance online, and at any time up to two years before the event itself.
As for the information, we need your details and the details of the venue. Once you have those you can go to our Emerald website and take it from there.
Note that at least one of you needs to be a UK resident. While you can buy on a comparison site, you may find better deals on the Emerald website!
What is the claims process, and how do I make a claim on my abroad wedding insurance policy?
We hope that you do not need to make a claim, but if you do we aim to be clear and friendly. Just call us and we will do what we can.
Are there any exclusions or limitations to wedding insurance policies, and what are the potential risks and consequences of not purchasing a policy?
Yes there are indeed – we cannot advise on whether to purchase a policy or not, but we always recommend reading the policy wording first and that will give you a good idea of the policy terms.
You can also look at the IPID summary document if you would prefer.
What else do we need to know?
That’s it really – we aim to have covered everything – so if you need anything else, have a look at our FAQs or call us on 0330 113 7109.
Legal summary
From Emerald Life – always read the policy wording!