Wedding Insurance

We felt that, as with any type of insurance nowadays, there are so many exceptions in a policy that its almost not worth having any. We are having a small wedding anyway all in one venue like you. The only reasons we have it covered is sudden death or illness (bar covid) of us or immediate relatives, as this would obviously cause a disruption, and so that we are covered should there be any damage to the venue before hand that would prevent it happening (the usual: fire, water damage etc). Other than for these two reasons we probably wouldn't have even bothered as its always so hard to get a claim through and it be worth the time and effort (previous negative experiences with car insurance claims!)

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Thanks for the feedback. I think we'll go ahead and get some. As you mention, it will cover us in the event of something happening to one of us - so long as its not Covid related!

The insurance is relatively low cost and if it gives us some peace of mind then its worth it.

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.

Insurance in this case usually covers for instances where you find a replacement but they cost more than the original and the insurance (should ) cover the difference.

One big risk I see is to do with booking someone who needs to travel 2 hours plus to get to you. If they are using the motorway there is always the risk they could find themselves stuck on the motorway caught in a jam after an accident.

AS its a February wedding we are also talking snow and ice on the motorway.

Thanks. We think we have covered the photography risk by having the photographer travel the night before. She has also advised that there she is part of some nation wide Facebook group where they agree to cover each other if a photographer can't make it due to illness. Hopefully this works.

Another issue with the wedding insurance is that there now only appears to be two companies offering it, Wedinsure and Covermywedding and neither of these have a great reputation when reviewing them on Trust Pilot. We were recommended to try John Lewis but when we looked on their website we couldn't find a link to actually buy the insurance.

Yes how that usually works is that they post a request for help and offer x amount of money to pay someone else to shoot it for them, anything from as little as £200 to £500/600 on average and they then hand the images to the original shooter. The original shooter then still charges you the same as their full price and keeps the rest. There can be no guarantee that a replacement will be found. There are some that seem to make up their income by travelling all over the country just being an emergency shooter by answering requests and are willing to travel from as far as say Sheffield to a wedding in Essex - in which case you could be back to square 1 with a risk of them being stuck on the motorway.

For me I think its too much of an extra risk take any chance travelling long distance for a wedding.