We are considering wedding insurance but reading through the policy it seems like there are so many caveats that it would be quite difficult to ever actually claim on it. The policy that we're looking at is with Wedinsure and costs £175. Does anyone have any experience with them?
Not surprisingly anything Covid 19 or anything pandemic related is excluded. This is clearly the main risk at this time and so they make it clear that anything related to a pandemic event isn't covered. I suspect this wouldn't have been included years ago but is now standard.
We've tried to keep the wedding simple and so it is all in one venue. The civil ceremony will be completed in one room and the meal and evening event will be in another room within the same location and the food is provided by the venue (outside catering is not an option).
In our contract with venue pretty much the only circumstance under which they would cancel the wedding is if there was a lockdown. In which case our wedding would be moved. We have no option to cancel or postpone without losing most of our deposit.
The biggest risks are
a) the registrar being unable to attend (accident or illness etc) and so not being able to complete the service. They tell us they only have one "team" available that day and no cover if this were to happen.
b) The bride or groom are ill or injured. A standard risk but we'll likely work from home/minimise contact the for 10 days before to reduce covid risk.
c) guests get ill. Some of our parents are retired and so no reason they can't minimise contact and the one that isn't will take time off. Even if one of them couldn't attend we'd likely still have to go ahead and so insurance wouldn't really cover this anyway.
d) The photographer can't make it. Apparently there are ways of arranging back up. Our hope is that because its a February wedding if something did happen there may be replacement photographers available quickly.
If the venue can't provide catering or any of the other services then we would argue this is a breach by them and they have to give us a new date. If the disco is cancelled we can live with this.
As I read it the insurance doesn't help with the main risks but we'll probably end up taking it anyway as its not too expensive and it may come in handy!
Any thoughts, experiences appreciated!