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Your wedding should be one of the
happiest days of your life. We all know that many Asian
Brides spend months, (even years!) planning their big
days hoping to have their ideal wedding in the place of
their dreams. Sadly, however, despite all sensible
precautions, things can and do go wrong, many a time due
to factors beyond the bride and groom's control.
With the average cost of Asian Weddings now estimated
at over £25,000 many couples cannot afford to lose
this much money should the worst happen. Therefore an
increasing number of brides and grooms are taking out
wedding insurance policies to provide a safeguard should
anything go wrong. What many Asian Couples view as an
extra expense is in fact an invaluable and minimal
investment that could safeguard you from significant
financial loss, inconvenience and heartache.
Therefore amidst the many details involved in planning
a wedding, it pays to add the purchase of a wedding
insurance policy to your list. You may think the odds
are you won't need it, but what if you do? You might be
surprised what these policies cover, giving peace of
mind to brides and grooms who, really, have enough on
their minds without worrying about money lost due to the
weather or a no-show mandap company.
Despite the long hours that go into planning every
detail of a wedding, there are just some things the
bride and groom can't keep from happening. |
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Wedding Insurance cannot guarantee that
people's special days will run smoothly but it is
reassuring to know that wherever in the world the couple
chooses to get married they have financial assistance and
support should they require it, for a very nominal charge.
The biggest single financial risk taken is if the wedding
day had to be cancelled or rescheduled. There are many
reasons couples find themselves being forced to cancel
weddings including illness, injury or bereavement of a
member of their families and also cover if the bride or
groom is called away on jury service.
Some couples have been forced to cancel all their wedding
plans when the bride or groom suffered a heart attack just
days before the wedding. If they had taken out wedding
insurance, they could claim for the full cost of their
proposed wedding.
Wedding Insurance also provides cover for many other
areas associated with the wedding. ../../common claims
made to insurance companies include damage to the bride's
lengha, the loss or theft of wedding rings or the wedding
reception venue becoming unavailable or being double
booked.
Couples fail to realise that many venues will ask them to
take out Public Liability insurance. Should there be an
accident at the venue this area of cover would become
applicable. Therefore this is a standard feature of most
wedding insurance packages and is worth looking for when
assessing which policy to take out.
With an increase in the number of couples getting married
abroad in the country of their origin there an increasing
number of things, which can go wrong between countries.
Couples have experienced airport delays failing to get to
their wedding destination on time, luggage containing
clothes for the day has gone missing or the weather has
prevented ceremonies taking place.
OTHER
ITEMS COVERED BY WEDDING INSURANCE
- Wedding insurance covers the rescheduling of the
wedding for several reasons:
- Weather severe enough to cancel the wedding or
prevent many guests from attending;
- Inability of important people to attend (i.e., priest
or photographer) due to illness or injury;
- Changes in the bride or groom's job due to relocation
or unemployment.
- A military bride or groom is called to service, or
has their leave revoked.
- Many companies will also insure against terrorist
activities and airport delays or shutdowns.
- Many policies will cover the cost of replacing lost
or damaged wedding materials:
- If photographs or negatives are lost or damaged, some
policies will cover the cost of gathering the wedding
parties for the purpose of re-shooting the photos.
- Lost, stolen, and damaged gifts can also be included
in the policy.
- Deposits lost to vendors who go out of business
before providing services.
- Honeymoon costs when a wedding has to be canceled or
postponed.
Wedding insurers often receive unusual
claims and usually they can be counted on to react with
sympathy. Such claims have included unexpected
transportation costs for priests unable to get to the
ceremony and settling nearly £4000 for a claim for
the cancellation of the reception just before it was due
to start when the bride fell and broke her leg as she
arrived. As with all insurance policies, it pays to read
the policy terms and conditions thoroughly so that you
know exactly what claims will be paid and which will be
excluded.
Don't wait until the last minute to call your insurance
agent. Many policies have to be purchased within two weeks
of the wedding. It is smart to purchase your policy as
soon as you start seriously planning the wedding (i.e.,
shelling out payments). Also remember to keep copies of
all contracts and receipts and maintain accurate records
of all payments.
Your wedding is a big investment and one of the most
special days of your life. You can't ensure the day won't
go off without a hitch and wedding insurance can't prevent
the unexpected from happening, but it can help cover the
costs if things do not go exactly as planned. Wedding
insurance can cover anything from rescheduling the wedding
to problems with the cake, favors, or flowers.
Article Sponsored By E & L Wedding
Insurance ~ www.eandl.co.uk
Visit their website to take out wedding insurance cover
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