Wedding Breeze

Wedding insurance can cover you if one of your suppliers lets you down or if one of your wedding items is lost or stolen. It can enable you to rearrange your wedding if it needs to be cancelled for reasons beyond your control.

Wedding insurance will give you peace of mind and allow you to enjoy your special day without the worry of losing money if something unexpected happens. You may think that you don’t need your own wedding insurance as your suppliers all have their own arrangements, but you can never be 100% sure you all have eventualities covered so it is always advisable to have your own policy. Compared to other items in your wedding budget, comprehensive insurance is fairly inexpensive, so it is something you shouldn’t be tempted to skip.

Every wedding insurance policy is different.    {There are quite a few reputable destination wedding insurers to chose from.} You choose an insurance provider and level of cover to suit your own personal needs. Make sure your advisor explains the details of your policy to you carefully so you know exactly what is covered and what isn’t.

Here are a few of the elements of your wedding that may be covered by insurance:

• Deposits paid to any suppliers that fail to provide the required service
• Rebooking of reception venue if the booked venue fails
• Replacing or repairing outfits, rings, cakes, flowers, and other items if lost or damaged
• Rearranging wedding if cancelled due to the medical condition of a bridal party member or severe weather conditions
• Replacement of wedding presents if these are lost or damaged within a certain timeframe around the wedding
• Costs and legal expenses associated with any damage or injury sustained because of your wedding
• Cost of professional counselling should your wedding fail to take place

Be sure to read the exclusions in your policy carefully; you may think you are insured for something that you’re actually not when you read the small print. Most policies won’t reimburse your wedding costs if the bride and groom decide not to get married for personal reasons.

Ideally your wedding insurance should be the first item on your things to do list when you are planning your wedding. If possible you should take out a policy before you spend anything on the wedding, and certainly before you pay any large deposits.  Do not put off taking out wedding insurance until you have determined all of your costs.  You need to estimate your wedding cost and then take out the appropriate level of insurance.  Most insurance companies are very agreeable to you increasing your level of cover if you are fortunate enough to be able to increase your wedding budget.

Some insurance companies won’t allow you to take out a policy more than one year before the wedding, but shop around if you want to take out insurance sooner as many providers will offer this. There are certain companies that cover destination weddings in France.  You are not forced to have to accept a french wedding insurer.  

All brides hope that their wedding will go without a hitch, but you just never know what might happen.  If your venue lets you down, your florist goes bust, your cake falls off the table, or your wedding is cancelled because of  bad weather, it is comforting to know that you can rebook or replace without any expense, or at least get your money back. 

As an aside it is usually good practice to pay for all of your deposits and any wedding expenses that you can with your credit card which may in some cases afford you extra protection if an unfortunate eventuality befalls you that is not covered by your wedding. insurance. 

We hope your wedding in France goes off without any hitches.