Wedding Insurance
#16
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Joined: Jun 2016
Posts: 495
Re: Wedding Insurance
I did, two recommendations in fact - (i) pay with a credit card, and (ii) carry the risk yourself. And there is nothing to stop you doing a bit of each - pay part with a credit card, and carry part of the risk your self, but honestly, if you are paying so much that you can't carry the risk, you are paying too much for your wedding.
And who says I can't carry the risk? I don't want to carry the risk. That's why I'm buying insurance.
#17
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Joined: Dec 2013
Location: Consolacion,Cebu
Posts: 1,928
Re: Wedding Insurance
Hmmmmm. Just checked a wedding package at the most popular hotel in our town we lived for 45 years in UK. Booking the venue - £500 non refundable deposit, 6 months prior - further £1000 , 6 weeks prior - full balance due payable no later than 28 days prior. Their brochure also suggests taking out wedding insurance, in case the unforseen happens! I presume it's possible for a close relative in the UK to take out the insurance on the bride/Grooms behalf. Just googled - Yes, it is https://www.events-insurance.co.uk/m...al-Form-v4.pdf
Problem appears to have a solution!
Problem appears to have a solution!
#18
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Joined: Jun 2016
Posts: 495
Re: Wedding Insurance
Hmmmmm. Just checked a wedding package at the most popular hotel in our town we lived for 45 years in UK. Booking the venue - £500 non refundable deposit, 6 months prior - further £1000 , 6 weeks prior - full balance due payable no later than 28 days prior. Their brochure also suggests taking out wedding insurance, in case the unforseen happens! I presume it's possible for a close relative in the UK to take out the insurance on the bride/Grooms behalf. Just googled - Yes, it is https://www.events-insurance.co.uk/m...al-Form-v4.pdf
Problem appears to have a solution!
Problem appears to have a solution!
#19
Re: Wedding Insurance
I have a friend in France who is a wedding organiser.. I'll ask her. She's busy so I may not get a reply for a couple of days.
so I got an instant reply!
She says that she has insurance which will cover any wedding she is organising so she doesn't really know what to advise other than putting in a UK address on the insurance application. So sounds like quiltman's idea is the best one.
so I got an instant reply!
She says that she has insurance which will cover any wedding she is organising so she doesn't really know what to advise other than putting in a UK address on the insurance application. So sounds like quiltman's idea is the best one.
Last edited by petitefrancaise; Jul 24th 2017 at 1:59 pm.
#21
Re: Wedding Insurance
Honestly wedding insurance is very common in the UK. It was when we got married 19 years ago too! It's funny how, for a country so used to dealing with insurance for healthcare, other types of insurance that are pretty standard in the UK, are much rarer in the US (pet insurance, travel insurance). My in-laws never take out travel insurance when they visit us and have never had insurance for any of their cats. My MIL even sent me an article she had read saying pet insurance is a waste of money! I think they assume that their health insurance would cover them if they got ill or had an accident in the UK. But it would not cover medical repatriation.
OP I think you are very sensible to take out insurance for your wedding. I would have too except ours didn't cost much.
OP I think you are very sensible to take out insurance for your wedding. I would have too except ours didn't cost much.
#22
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Joined: Dec 2013
Location: Consolacion,Cebu
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Re: Wedding Insurance
To add to londonSquirrel comment. We got married 48 years ago - 1969 - and my wifes parents took out wedding insurance then! It was arranged through their insurance broker and was called, I think , "Event Insurance". They took it out in case I scarpered!
#23
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Joined: Jun 2016
Posts: 495
Re: Wedding Insurance
Well I phoned John Lewis and they'll let a parent insure provided they're resident in the UK, so we're going to do it that way. £100 and we're insured for the full cost of the wedding.
#24
Re: Wedding Insurance
Honestly wedding insurance is very common in the UK. It was when we got married 19 years ago too! It's funny how, for a country so used to dealing with insurance for healthcare, other types of insurance that are pretty standard in the UK, are much rarer in the US (pet insurance, travel insurance). My in-laws never take out travel insurance when they visit us and have never had insurance for any of their cats. My MIL even sent me an article she had read saying pet insurance is a waste of money! I think they assume that their health insurance would cover them if they got ill or had an accident in the UK. But it would not cover medical repatriation.
OP I think you are very sensible to take out insurance for your wedding. I would have too except ours didn't cost much.
OP I think you are very sensible to take out insurance for your wedding. I would have too except ours didn't cost much.
I never travel without taking out insurance. I'm sure there any many who go without but more than that who take out the policy.
As for wedding insurance, I recall there being a paragraph included in the contract for the catering hall that if the wedding falls through or that the caterer cannot fulfill the contract the monies would be reimbursed. In full if it is the caterer who defaults and in part if it is the couple who defaults.
With the exception of healthcare insurance, I can't think of any insurance that the US has that the UK doesn't have, i.e. auto, life, dental, supplemental health insurance, etc.
#25
Lost in BE Cyberspace
Joined: Jan 2006
Location: San Francisco
Posts: 12,852
Re: Wedding Insurance
here you go: Wedding Insurance: What it covers and cheap deals - MSE
Quite cheap actually - £70 for £30,000 cover
Quite cheap actually - £70 for £30,000 cover
#26
Lost in BE Cyberspace
Joined: Jan 2006
Location: San Francisco
Posts: 12,852
Re: Wedding Insurance
It's funny how, for a country so used to dealing with insurance for healthcare, other types of insurance that are pretty standard in the UK, are much rarer in the US (pet insurance, travel insurance). My in-laws never take out travel insurance when they visit us and have never had insurance for any of their cats. I think they assume that their health insurance would cover them if they got ill or had an accident in the UK. But it would not cover medical repatriation.
#27
Account Closed
Joined: Mar 2004
Posts: 2
Re: Wedding Insurance
This is not a new cover has been around for a long time.
The US insurance market is much more restrictive and controlled than the UK one, much less innovative.
#28
Re: Wedding Insurance
Another £100 is small change compared to all the other wedding costs, especially considering the peace of mind it brings - the only wedding I know that nearly didn't go ahead was because of the sudden serious illness of one of the parents of the couple. It's one less stress when dealing with that kind of the situation knowing you won't be ££££ out of pocket.
OP - glad you found a sensible workaround, and hope you have a joyous occasion. Congratulations (again?).
#29
Re: Wedding Insurance
quiltman, wedding insurance does not cover 'disinclination to marry!' LOL.