Wedding Insurance
 

Wondered if anyone had had any experience with wedding insurers whilst living in the USA?

My fiance and I are both UK citizens and getting married back in the UK next year (we're already married for the visa but we're having the party this time).

We're starting to drop some money on suppliers and I wanted to get us insured, but the usual suspects (John Lewis, M&S etc won't insure us if we're not resident in the UK)

I'd be open to insuring with an American insurer for an overseas wedding but I don't know the market or the reputable suppliers here.

Any tips?

Re: Wedding Insurance
 

I've never heard of wedding insurance.

We had some liability insurance, but that was because we had alcohol.

Re: Wedding Insurance
 

I am not sure what you'd be insuring against? If it was being too sick to travel or a fatality in the family making travel inconvenient, then travel insurance would do the sake thing, wouldn't it? :unsure:

Or are you talking about insuring against the fee on a marquee and catering, and not being able to be there? .....Honestly I think the insurance would be expensive enough that I wouldn't want to pay that much because I would perceive the risk lower than the insurer would.

Re: Wedding Insurance
 

Insuring against being let down by suppliers.

e.g. if I pay £14k on a venue which subsequently goes bust before the day.

Re: Wedding Insurance
 

Put it on a credit card. Problem solved. :)

In practice you shouldn't be paying much/most of the cost until the time of delivery of the service or immediately afterwards. I only paid the venue of our wedding breakfast a deposit and then settled the balance immediately afterwards. It was perhaps the most expensive "restaurant bill" I will ever pay! :lol:

Re: Wedding Insurance
 

Hah! I wish I had a credit limit that extended to the full cost of the wedding!

Re: Wedding Insurance
 

Either you need bigger credit limits, or to spend a lot less on your wedding. :unsure:

Re: Wedding Insurance
 

Or I could just buy wedding insurance separately.

Re: Wedding Insurance
 

What is it, exactly, that you're trying to guard against? If a supplier lets you down, and it's a day before the wedding, then even wedding insurance isn't going to save the day. You can sue the supplier for breach of contract... but, honest to god, that's not going to fix the problem - which is a big hole in the wedding where something should be but isn't.

I'm not sure what it is you need wedding insurance for?

Ian

Re: Wedding Insurance
 

Guys, I appreciate the responses. But I'm not looking for a philosophical discussion on the merits of insurance. Just if anyone has any recommendations.

I've already explained I'm looking to insure against suppliers going insolvent, or otherwise not able to meet their obligations. If the worst happens it's going to be considerably more sensible to have insurance than trying to sue an insolvent company for breach of contract.

Re: Wedding Insurance
 

True story: A friend decided not go thru with his wedding the day before in London last year. Right now the bride to be is suing him for all wedding costs, extended families international travel and hotels plus grief on top etc. I think for around 75k. Apparently she has a legitimate claim as my friend has had to hire a lawyer and is about the go to court for the second time. I can see insuring against this scenario, maybe part of a pre nup.

In terms of the OP's use case: I would look to get a copy of all your suppliers insurance which spells out their liability if they don't deliver services etc. It would probably be a lot easier to use one reputable wedding company in the UK to manage the whole wedding and hold them accountable including showing adequate insurance. That way they hold the risk of the suppliers. Even more so if you are using small suppliers and many of them.

I doubt a US provider will cover the UK wedding other than maybe flights and hotels etc.

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.

Re: Wedding Insurance
 

I agree with those two.

Third option I see is have a UK resident pay and insure it.

You could pay them back... But they might demand insurance. :rolleyes:

Re: Wedding Insurance
 

Wedding Insurance is fairly common in the UK. It can be tailored to cover various eventualities - cancellation, failure to deliver service contracted, accidents, bad weather etc etc. you can get similar cover for all kinds of events - birthdays, anniversaries,graduation parties - the list goes on. Whether you're prepared to pay the quoted premium is another matter!

Re: Wedding Insurance
 

here you go: Wedding Insurance: What it covers and cheap deals - MSE
Quite cheap actually - £70 for £30,000 cover