If you have purchased wedding insurance and later need to make a claim, you will need to contact your insurance provider. When you are sent your policy documents they will usually include details of the claims procedure. You may need to telephone the company when you realise you will have to make a claim, to inform them of your intention and check which documents you will need to provide. There may even be a hotline which you can contact if you are in urgent need of advice or assistance. They may ask you to complete a claims form and return it with the relevant documents.
Remember that you may need to register your claim within a certain number of days of the incident occurring. Failing to make a claim for several months may affect the claims procedure, or even your entitlement to compensation.
When you register your claim, you will need to describe what happened and provide a rough estimate of the costs involved. If there is an urgent need for repair or replacement of an item, for example, if your wedding dress has been stained the day before the wedding, you will usually have to pay to fix the problem with your own money, and claim back the amount you spend at a later date. If you spend any money on repairs or replacements which are covered by your insurance, make sure you keep any receipts: without these you may not entitled to a refund.
Once you have given the insurance company details of the claim, you will have to wait for them to assess the situation and make a decision. This process can take some time, but you should contact your insurance provider if you have still heard nothing one month after making the claim.
