Only four out of 10 couples insure their big day – even though the average cost is around £20,000 and all manner of mishaps can strike.
Insurers regularly pay out for common problems like:
- The four tier wedding cake collapsing in to a mess
- The DJ fails to turn up
- The marquee catches fire
- The bride or groom gets a bad case of flu on the morning of the wedding and has to cancel the ceremony
- The company in charge of arranging the flowers goes bankrupt
- The best man loses the rings
- Photographer’s camera breaks
- A wardrobe malfunction leaves the zipper on the wedding dress in the mother of the bride’s hand
- Bad weather
- Someone spills their drink and an elderly relative slips on the dance floor, spraining her ankle and ending up in hospital
Nick Starling, Director of General Insurance and Health at the ABI said: “While wedding insurance can’t guarantee that everything will go without a hitch, it can give you the peace of mind that any unforeseen events will be covered and go a long way to easing those pre-wedding jitters. It won’t cover your other half getting cold feet, but it can reassure you that an already expensive day doesn’t become even more costly.”
“Whatever your budget is, be it the lavish spend of a celebrity bash or those on a much tighter budget, it is important to shop around and make sure you get the right policy to cover your costs and specific requirements.”
Wedding insurance costs vary and starts from less than £50.
Optional cover is available that includes comprehensive health and illness cover for bride and groom.