Wedding insurance to cover unexpected pregnancy

No advice I'm afraid, but I'd be careful about the wording of the policy - a pregnancy is hardly "unexpected" if you've been trying for months and they may refuse to pay out.

I don't mean to sound harsh, but if you definitely don't want to be a pregnant bride, why not bring forward the wedding? You can get some great "last-minute" deals from venues, so if you think all your guests could make it to a wedding this year and you can handle it financially, I think I would be looking to plan the wedding in a shorter timeframe - that way if/when you do fall pregnant, hopefully you won't be showing on the day

I doubt you would get cover for this. Also, it wouldn't be unexpected and a claim could lead to a lifetime UK insurance ban as you are already trying to get pregnant.

I photographed a wedding on Friday for a couple who had their first child 3 weeks earlier! The bride looked fab. I've also photographed the weddings of pregnant brides... life is what you make it. Either have the baby, have the wedding or have both! The choice is yours... but don't lie to your insurer.

Sorry if this sounds blunt but there is no way wedding insurance policies would cover you. I say this as I have been unable to find a company who would cover my mum being ill on our wedding day due to the fact she has a long term degenerative disease which we already know about at the start of the policy. According to an advisor at John Lewis, if my mum died the day of my wedding I'd have to either get married anyway or lose close to £15k. So they certainly wouldn't cover you being pregnant as that's not even an illness plus youre actually planning to get pregnant. No way in my opinion would anyone cover you. If you can't deal with the possibility of being pregnant on your wedding day then you either need to put off trying for kids until you're married or put off the wedding until after you've had kids.

You will not get a policy to cover you for this. It's not like you can't get married while pregnant, you would be choosing to cancel and insurance will not pay out if you just decide you don't want the wedding anymore.

The point of wedding insurance is to cover events that are completely outside your control and cannot be forseen. For example a supplier not turning up. Freak weather or a close family member dying (who wasn't ill when you took the policy out)

Since getting pregnant is completely within your control and you can hardly say you didn't forsee it would happen, this is not something a policy would cover.

My advice is to either bring your wedding forward or delay trying for a baby.

You want insurance to cover for an unexpected pregnancy, yet you are trying for a baby? How on earth is that an unexpected pregnancy? I doubt such policies exist anyway, like another poster said, pregnancy is not an illness. There is nothing wrong with getting married while pregnant anyway. I think you need to decide which is a priority at the moment: having a baby, or getting married without a bump...

Thanks for your replies. I-go-by-many-names, I am very sorry to hear about your mother's illness, that must make the experience difficult. A friend of mine lost both of her parents within 4 weeks before the date. He mum had a long illness and her dad died unexectedly a week after her mum passed away. They went ahead anyway and it was a beautiful day, of course sad as well.

I found some comments a little harsh. I had read that some policies will cover a pregnancy that occurs after the wedding planning had started, that is why I was asking. For anyone who has been struggling with trying to conceive it is a very painful thing. I am not trying to commit some sort of fraud and of course understand my pregnancy would not be 'unexpected' as such. The idea of another year passing and still no baby and still not being married is difficult for me, so I am trying to look for a solution. I guess I need to consider the possibility of being pregnant when getting married, and of course I would rather that than no baby. It is a difficult decision to make.

Thanks for your advice.

I agree, nobody would cover this so I guess you have to make a decision on whether to risk being a pregnant bride or move the wedding date?

I'm in a similar situation, we've been trying for a baby for 8 years but have put it on hold for now because I don't want to be a pregnant bride. We'll get back to actively trying on honeymoon ?

Hi Ruby, Yes it does happen. It's the UK industry sanction for insurance fraud. Once someone is added to the register by one company for fraud all the others will pull out. I recall one man involved in car insurance fraud who then had his home insurance policy cancelled by another provider.

Would you really have to cancel if you got pregnant? Surely all that would change would be the fact you can't drink and you would need a differnt style dress or a maternity dress? Iv had 2 children and I can't really say my life was put on hold because of it, just carried on and went to events.

If this sounds harsh it's really not meant to, but there are ways around ring a pregnant bride. Wishin you all the luck in the world with baby making and wedding planing

Thanks guys. Emabee, wow, I really shouldn't complain, we are nowhere near 8 years trying. Good luck for your wedding and getting back on the ttc on honeymoon!

I think I will wait a couple of months and if the venue we like still has availability for April 2015 then book it! And then stop trying in the 3 months leading up to the wedding. Several off my friends who are mums say the months between 3 and6 would be the only time they'd consider it.

Congrats on your baby catshoes, and all the best for your big day.

thanks mrslizzietobe for your wishes!

You might want to rethink your timings

If you'd prefer April 2015 to be between 3-6 months, you need to stop trying from, well, now.

I'm not going to book it yet, hold off until October (so 6 months before wedding date) and hope there is a weekend free still (the whole of april is currently available). it will mean a lot of work in a short space of time as its a very diy venue but that's the best solution I can figure out at the moment!

I'd keep everything going as normal. Book your wedding and keep trying. Work out your timings so you are not risking being 7-9 months pregnant around the wedding and you will be fine. I'm only saying that because this is the time where it gets quite tiring.

Live your life as you normally would otherwise you will put a lot of stuff off. I doubt insurance will pay out for pregnancy.

Thanks daffodilwaves, I think you are right. Its not a good idea to put your life on hold for anything or it gets more stressful. So a possible spring wedding! I have spent the afternoon thinking of daffodils and tulips...!

I've been where you are so if you need any support, you know where I am. Daffodils would be a great choice, maybe with a Yellow theme ?

If you are trying then how can it be unexpected at all?

Thanks Daffodilwaves, it means a lot. Hope all is going well for you now.

I understand the OPs point. I've been told I can't conceive naturally and am on w/l for IVF. So if I did happen to fall pregnant before the wedding it would be very unexpected, yet we are trying.

To the OP, I think go ahead and plan as much as you can, if you did happen to become pregnant you'd be so happy and you'd find a way to make it work somehow x

Thanks Eden- exactly, a pregnancy WOULD be unexpected, although we continue to try. Thinking it is unlikely without more intensive fertility treatments. Good luck with your continued efforts and hope the IVF wait list is not too long for you.

I think pregnant brides have that extra special glow. X

I'm in the same boat. I miscarried a year ago and we have been trying ever since, for over a year now.
We have booked the 26th Sept 2015 for our wedding and I too have been looking to see if I can get an insurance which covers us if I did fall pregnant before then. If it was a few months then that's fine, it's more if it's at 8-9 months and a bad pregnancy I'm worried about. Am I going to have the energy to entertain all day and night, and also be healthy enough to attend! It might not be a problem, but it's something I am also thinking about. I think the people who say to 'stop trying' have not been in our position.

Also, if you want April 2015 then I'd book asap! Your post is from August so you may have done so already, but we had been struggling to find anywhere next year as everywhere is booked from May - Sept.

Good luck! ?

I'm going through the same thing hun, we're due for our first appointment at the fertility clinic on the 7th actually, so I know how you feel. Good luck whatever you decide to do x

I think you will find the majority of women who are trying to conceive over a year dont EXPECT to get pregnant because they are INFERTILE, doesnt mean they stop trying - how is that so hard for people to understand???

secondly though no you wont get covered unless your due to pop on your wedding day or go into early labor close to the date because as said its a choice to not want to be pregnant on your wedding day

If pregnancy hasn't occurred within a year then it is likely there are fertility problems. It isn't always the woman though.

H2B and I are not actively 'trying' but we have stopped trying 'not to' if you see what I mean. Having been on the pill for about 12 years I think it will take a while for all of that to work out of my system - plus my mum struggled so I don't think it will happen quickly.

I don't want to be heavily pregnant when I get married but I would be open to being in the early to mid stages - I don't mind if I can only have a glass or two of bubbly on the day but our reception will be a few weeks after the wedding and that will be where more drinking will be involved plus LOTS of dancing (we are getting married abroad and having a party back in the UK when we get back). I suppose ideally I would like a few drinks at the reception but I think should I get pregnant then I can handle 'missing out' on that in favour of starting our family.

You can get some beautiful shaped dresses that will disguise your bump if you don't want it showing (think figure hugging fishtail shapes or A-line). But if it is really important to you that you aren't pregnant on your big day and you feel you will have regrets then that is absolutely your choice. Just really think about what means most to you and go with your gut! What does H2B think?

xx

Wow. Just Wow.

My thoughts, for what it's worth:

If you want a baby so badly, then what does it matter if you're pregnant on your wedding day - my sister was 4 months and she did indeed glow!

Me and OH have been trying to get pregnant for quite a long time. We are getting married next september and i wouldn't dream of putting trying for a baby on hold or moving/cancelling the wedding. I couldn't care less if i was 2 weeks or 8 and a half months pregnant or had a week old baby when i get married.....i would love my wedding and be the luckiest person in the world to get everything i want. Maybe i feel differently cos I'm older (40) and my biological click ticks louder than big ben, but if you have been trying for a while then i would be very reluctant to stop for a year or so.

To some people it might be absolutely fine, but I know that I personally don't fancy having to cope with morning sickness or other pregnancy related health issues on my big day. Selfish as it sounds, nor do I want to have to not drink/ enjoy myself as much as wedding cost a fortune, not to mention all the time and planning that goes into them. And I don't particularly fancy being heavily pregnant in all my wedding pictures.

Would I cancel my wedding over it? No of course not, but I do understand things from both sides of the fence here x

It really couldn't be any more of a personal decision so of course everyone is going to feel different. Like i said, i think a lot of my opinion is age related......i already feel like I'm running out of time!