J
Beginner February 2022 North London

Wedding Insurance

JLJ, 8 September 2021 at 10:53 Posted on Planning 0 6
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Hi All,

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!

6 replies

Latest activity by Sloufish, 15 September 2021 at 11:40
  • S
    Savvy August 2023 South Yorkshire
    Sloufish ·
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    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!)

    x

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  • J
    Beginner February 2022 North London
    JLJ ·
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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.

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  • PhotographybyBillHaddon
    Expert January 3000 Leicestershire
    PhotographybyBillHaddon ·
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    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.


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  • J
    Beginner February 2022 North London
    JLJ ·
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    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.

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  • J
    Beginner February 2022 North London
    JLJ ·
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    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.

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  • PhotographybyBillHaddon
    Expert January 3000 Leicestershire
    PhotographybyBillHaddon ·
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    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.

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