Different wedding insurance policies will cover different aspects of your wedding, and typically offer different levels of cover. The policy that is right for you is usually the one which offers the correct amount of cover for the most important aspects of your wedding. What these most important aspects are will vary from couple to couple. The majority of wedding insurance policies will cover:
> Cancellation of the wedding
> Refund of deposits made to suppliers no longer able to provide the service they promised
> Damage / loss of wedding clothes
> Damage / loss of wedding flowers
> Damage / loss of wedding invitations
> Problems with wedding photography / photographs / photographer
> Damage / loss of wedding gifts
> Damage / loss of wedding rings
> Damage / loss of wedding cake
> Problems with wedding video / video team
> Problems with wedding transport
> Damage / loss of luggage
> Damage / loss of wedding documentation
> Transport delays
> Personal accident resulting in death or disability
> Legal expenses, should a claim arise relating to the wedding or reception
> Public liability, should someone, or their possessions, be injured as a result of your wedding or reception
Your policy will detail the level of cover given for each of these aspects. A policy offering $10,000 worth of wedding cancellation cover might offer $5,000 of wedding clothes cover, $4,000 of wedding gift cover and $5,000,000 in personal/public liability cover.
The amount of cover a policy provides will vary; typically, the more expensive your policy, the higher the individual levels of cover will be. However, some insurers charge more than others for the same level of cover: it is important to do your research. Some policies include cover for other aspects of the wedding, such as professional counselling in the event that someone dies, or the wedding is called off by one party.
If you need specific items to be covered by the wedding insurance policy, you are best to enquire as most policies provide for a set range of services and anything outside will cost an extra premium to have cover arranged if available. Wedding insurance will not cover every aspect of your big day: consider Wedding Cover Exclusions and Weddings Abroad before you buy.
