Table of Contents
Introduction to Emerald…
First of all, let’s be clear, Emerald is regulated by the Financial Conduct Authority. That means that we cannot tell you which wedding insurance cover is the best wedding insurance. Instead, here are some quotes from our reviews:
“Excellent customer service and extremely competitive on cost.” “I chose them because I liked the ethos behind their product.” “Great great!”
You can get a quote HERE – or call us on 0330 113 7109, or email at customerservice@emeraldlife.co.uk
What is Wedding Insurance?
Wedding insurance provides peace of mind and financial security for your big day, protecting against unexpected events and financial loss, be it in relation to financial failure of wedding suppliers, loss of wedding rings, cover for personal liability, theft of wedding gifts etc – the list goes on.
It is essential to consider wedding insurance as part of your wedding planning, including understanding what is covered and what is not – remember it is vital to understand what goes behind wedding insurance policies before you purchase wedding insurance. Just like ant other insurance!
The figures continues to increase, but with the average wedding costing around £20,700, wedding insurance is crucial in providing essential financial protection against unforeseen circumstances on your wedding date or before.
Understanding Wedding Insurance Cover
Wedding insurance cover typically includes cancellation, damage, loss, or injuries related to your wedding, providing financial protection against unexpected events. Think of it as a type of event insurance, but for what may be the biggest event of your life.
The wedding insurance business is booming with bigger and more unusual wedding venues coming onto the market. But even for more intimate weddings, your. money is still at risk of the insolvency of wedding venues before the day, or financial failure of a supplier where you have put down a deposit. Insurers cannot tell you if you need wedding insurance – that is for you to decide. But many, many couples decide that they do need wedding insurance, and that is where Emerald can come in as you decide to buy wedding insurance.
It may also cover supplier failure, venue closure, and personal liability, ensuring you are protected against various risks.
Standard wedding insurance policies often exclude certain events or damages, such as pre-existing medical conditions or intentional damage.
Always check the small print of wedding insurance policies to understand what is covered and what is not, including any excess fees or limitations.
Benefits of Wedding Insurance
Wedding insurance provides peace of mind and financial security, allowing you to enjoy your wedding day without worrying about unexpected events. It also covers a civil ceremony.
It offers protection against financial loss due to cancellation, damage, or loss, ensuring you can recover from unforeseen circumstances.
Wedding insurance can also cover liability for accidents or injuries, giving you confidence in your wedding plans.
Having at least basic cover is essential, especially for larger or more complex weddings, to provide essential financial protection.
Getting Married Abroad?
Many couples think about a ‘destination wedding’ for friends and family members. With that extra expense, for peace of mind, you may want some cover. Just keep an eye out – some insurers charge extra for weddings abroad. Emerald does not; for us it’s all part of the service. You can find out more HERE.
Wedding Insurance Cost and Quotes
The cost of wedding insurance varies depending on the level of cover. For Emerald it does not depend on the wedding size or location, with prices starting from £38.50 including insurance premium tax.
You always get the best deals going direct – so get a quote from Emerald HERE.
Nevertheless, like wedding bands and wedding venues (!), it is advisable to compare quotes from different insurance providers to find the best wedding insurance for your needs and budget.
Consider the excess fee, insurance limits, and coverage when comparing policies, to ensure you have the right level of protection.
Use online tools to get a wedding insurance quote and find the best policy for your dream wedding.
Types of Wedding Insurance
There are various types of wedding insurance, including standard, bespoke, and specialist policies for weddings abroad.
Marquee cover and public liability insurance may be included or available as add-ons, providing additional protection for your wedding.
Consider the specific needs of your wedding, including the number of guests, venue, and suppliers, when choosing a policy.
Consider purchasing wedding insurance that includes coverage for wedding rings, engagement rings, wedding attire, and other valuable stolen or damaged items.
Liability Coverage
Public liability insurance is essential for protecting against accidents or injuries to guests or third parties, providing financial protection against unforeseen events.
It may be included in your wedding insurance policy or available as a separate policy, ensuring you have the right level of protection.
Consider the level of liability coverage needed for your wedding, including the number of guests and activities. You should also ensure you have adequate liability coverage to protect yourself and your wedding party. Wedding venues often now ask for this in the event of any of their property lost, stolen or damaged – and it gives you extra peace of mind.
Wedding Day Protection
Wedding insurance provides protection for your wedding day, including coverage for unexpected events, supplier failure, failure of wedding services, and venue closure. And we even provide cover for legal expenses.
It can also cover loss or damage to wedding items, such as damaged wedding cake, wedding rings, wedding dress, or wedding gifts, public liability or if you have a disastrous wedding photography session! An Emerald insurance policy also includes cover for some professional counselling if you need it after something has gone wrong.
Consider the specific needs of your wedding, including the venue, suppliers, and activities, when choosing a policy. As we noted above, ensure you have adequate protection for your wedding ceremony, any other related events, and for the wedding day, including coverage for unforeseen circumstances.
So please do consider an insurance policy that protects you (including family members if they have paid) on and around the big day.
Planning Your Dream Wedding
Wedding insurance is an essential part of planning your dream wedding, providing peace of mind and financial security.
Consider your wedding budget, size, and location when choosing a policy, to ensure you have the right level of protection.
Use online tools and resources to find the best wedding insurance for your needs, including comparing quotes and policies.
Ensure you have adequate protection for your wedding plans, including coverage for unexpected events and supplier failure.
Insurance Providers and Their Offers
Apart from Emerald, there are various wedding insurers offering tailored protection for unforeseen events.
This is worth repeating – consider the level of cover, excess fee, and insurance limits when comparing policies, to ensure you have the right level of protection. Look for insurers that offer flexible policies and adequate coverage for your wedding needs. Ensure you choose a reputable insurer that offers comprehensive coverage and excellent customer service.
Cancellation Cover and Financial Protection
Cancellation cover is an essential part of a wedding insurance policy, providing financial cover against unforeseen events. It can cover deposits, contractual payments, and other expenses related to your wedding, even an outdoor wedding, ensuring you can recover from unforeseen circumstances.
However, you do need to have a written contract, and if you pay in cash, you may not be covered as you cannot show a proof of payment, in the event of cancellation cover.
So it is important to do everything in writing, pay by credit card if you can, and ensure you have adequate cancellation cover to protect yourself and your wedding party.
How to Choose the Right Insurance Provider
When choosing a wedding insurance provider and thinking about whether it is worth purchase cover, look for providers that offer flexible policies and adequate coverage for your wedding needs, including public liability insurance and marquee cover. The insurance industry can have a poor reputation on this, so check the insurance document well and you can always ask questions, even after you purchase cover.
Read reviews and check the provider’s reputation to ensure you choose a reputable and trustworthy company. Ensure you choose a provider that offers comprehensive coverage and excellent customer service.
You can see Emerald’s review on their wedding page HERE.
Making a Claim on Your Wedding Insurance
If you need to make a claim on your wedding insurance, ensure you have all necessary documentation, including receipts and contracts.
Contact your insurance provider promptly to report the incident and follow their instructions.
Be prepared to provide detailed information about the incident and your wedding plans.
Ensure you understand the claims process and what to expect from your insurance provider.
Anything Else You Want to Know?
Emerald is rated very highly for our customer service and are one of the most popular wedding insurance providers. We aim to please and deal with you efficiently, politely and clearly. You can get a quote in minutes HERE, but otherwise email us on customerservice@emeraldlife.co.uk or call us on 0330 113 7109.