Although I sincerely hope you won’t have to use it, I strongly recommend having Wedding Abroad Insurance.
Your wedding day is one occasion where you don’t want to leave anything to chance and the saying “it’s better to be safe than sorry” seems very appropriate. For a relatively small amount of money I believe Wedding Abroad Insurance is a very wise investment.
Photo courtesy of Horia Photography
To allow you to concentrate on the more glamorous and exciting aspects of planning your wedding abroad, I have spent time researching different insurance policies and have put together some useful information on Wedding Abroad Insurance.
My objective is to help you to make an informed decision as to whether you should take out insurance cover.
Please note, the Insurance Companies I have examined are from the United Kingdom and the information I have provided is from my own personal observations.
What is Wedding Abroad Insurance
At first glance Wedding Insurance and Wedding Abroad Insurance appear to be the same. However, if you are having your wedding abroad most policies provide additional cover for:
- Delayed Travel
- Essential Document Indemnity (protection)
But do not cover you for:
- Marquee Extension
What Wedding Abroad Insurance Covers
Most policies cover you for the following:
- Cancellation and expenses
- Rearrangement of Wedding or Reception
- Supplier Deposits
- Failure of Suppliers
- Wedding Attire
- Photographs
- Video
- Presents
- Rings
- Cake
- Documents / Passport
- Luggage / Property
- Personal Accident
- Wedding Cars and Transport
- Wedding Flowers
- Wedding Stationery
- Delayed travel (to both your wedding destination & venue)
- Professional Counselling
- Legal Expenses
- Public Liability Extension (this is your legal liability to a third party for any damages and costs arising from an incident at your wedding, or accidental death or injury to a third party)
Levels of Cover
Most companies offer different levels of cover. The industry standard is 3 levels but some companies offer more.
- The level of cover works as follows:
The higher the level of cover the more money each individual item is insured for.
For example if you took out level 1 cover and you had to cancel your wedding you would receive £5000 in cancellation costs but if you took out level 3 cover you would receive £20,000 in cancellation costs.
- The higher the level of cover the more a policy costs.
In order to determine what level of cover you should have it helps to have an idea of your budget and what you plan to spend on different items.
When deciding on what level of cover to have, go through each item in a company’s policy and try and match the amount an item is insured for with what you believe you will spend on it.
I would slightly inflate your costs to ensure you will be fully insured. It will be better to pay slightly more for your policy and get a higher level of cover than not get enough money back if you need to make a claim.
Excess Payments
An Excess Payment is the amount of money you will have to pay the Insurance Company if you need to make a claim.
If you make a claim most companies charge you for the privilege of doing so.
In most cases the cost is around £49.
When to Purchase Wedding Abroad Insurance
Most insurance policies come into effect as soon as you confirm the date of your wedding.
Therefore it may be advisable to purchase your Wedding Abroad Insurance as soon as you have set your wedding date. This will ensure you are immediately covered should any complications arise during the planning of your wedding abroad.
Note: With some policies if the date of your wedding is further than 12 months away the cost of the policy may rise.
The Top Five Wedding Insurance Claims
According to data from The Insurance Emporium, the majority of claims received from overseas weddings in 2014 were related to cancellation/rearrangement and photography and video costs representing 50% of all claims. Claims concerning suppliers’ deposits, which could be as a result of key suppliers such as your venue or catering going into administration and costs incurred from lost or damaged wedding rings comes to 17% respectively.
Wedding Abroad Insurance for UK Residents
The Insurance Emporium – Company Overview
Getting married is one of life’s greatest adventures! Which is why The Insurance Emporium offer seven levels of cover to help protect your overseas wedding. You can also choose from a range of Elective Benefits, so you can build your wedding insurance to suit your lifestyle and your budget.
A policy from The Insurance Emporium starts with a one-off payment from just £18.00*. Their overseas wedding policies could cover the costs of cancellation and rearrangements, delayed travel and public liability up to £3 million^.
With The Insurance Emporium’s overseas wedding insurance, you could even be covered for a wedding abroad and reception back in the UK! All of this is at the same price as their cover for UK weddings. It could help your fairytale wedding have a truly happy ending!
Head to The Insurance Emporium today to find out more! Just click on either the banner above or the link below!
* The one-off premium of £18.00 is based on an Overseas Wedding with the Amber level of cover and no Elective Benefits selected.
^ Public Liability up to £3 million comes as standard on all policies.
Before buying insurance please ensure you carefully read the policy documents so you fully understand all the terms and conditions.
Note: to purchase insurance from this company you need to be a UK resident.
Travel Insurance
If you are having your wedding abroad and you have purchased Wedding Insurance you will also need to purchase Travel Insurance.
Wedding Abroad Insurance covers items related to your wedding day but it does not cover you beyond this. So I would therefore recommend that you also take out adequate travel insurance to cover you while you are abroad.
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