Wedding insurance isn’t something engaged couples want to think about when planning their wedding. With so many other exciting details to focus on thinking about a potential disaster on the big day doesn’t bear thinking about. But they can and do happen and wedding insurance is important to have if the unthinkable happens.

What's The Coverage

Wedding insurance protects the couple’s investment from unforeseen circumstances out of their control. What if your venue went out of business a month before your wedding? What if your dress gets meets the business end of an iron that was left out? What if one of your vendors doesn’t show up? While all of these disasters are scary thoughts, you would be covered under the right wedding policy and it is these unavoidable hitches that will cost big time if you’re not insured. It’s important to check with your venues and suppliers what kind of cover they have themselves. You don’t want to pay for coverage you’re already covered for somewhere else. When it comes to wedding coverage policy there are two types, cancellation/postponement insurance and liability insurance. The first is pretty self explanatory, Wedding Cancellation/ Postponement Insurance offers coverage should severe weather or other circumstances beyond your control force you to postpone or cancel your big day. It also offers coverage for lost deposits and extra expenses. Liability Insurance, often required by venues, protects you and the venue in the event of bodily injury, property damage, theft, or alcohol-related accidents. A liability policy provides coverage that protects you from being personally held responsible for any accidents that happen at your wedding.

Megan Kuhn

Do I Need It

The short answer is yes, if you're hosting an event worth over €10,000 you would be crazy not to insure it! Parties can be incredibly unpredictable and even more so when it comes to your wedding just based on the sheer scale of vendors, guest list size and the venue; there are so many mitigating factors that could lead you to having a last minute postponement or cancellation and if you don't plan in advance you will have to eat the cost of those changes. There are some things to consider when deciding the insurance plan for your special day:

  • If you are planning to serve alcohol at your wedding
  • It you live in an area known for extreme weather that could impact your event. (Flooding, hurricanes, etc.)
  • If you are planning a destination wedding where travel is involved.
  • When travel could impact your ability to attend the event should a crisis arise.

Megan Kuhn

How Much Does it Cost

Depending on what you want to be covered and how much your wedding is setting you back you can get insurance policies from anywhere between €50 right up to €500. There are lots of different policies and companies so shop around and look carefully at what is being covered. You can get wedding insurance cover online for as little as €50 for cancellation cover up to €5,000. You should purchase wedding insurance as soon as possible and, should disaster strike, call your insurer as soon as possible to get the details right. You should also have your policy number on hand!

Megan Kuhn