How to choose the perfect wedding insurance for your big day

13th August 2014 by Adam

There are lots of different wedding insurance policies out there, of which Dreamsaver is just one. With so many options to choose from you may have found it difficult to find the policy that meets your needs. To help you buy the wedding insurance that is right for you we've put together some things to think about while making your decision.

Happy couple who chose the right wedding insurance for them

  1. Cancellation cover - Most wedding insurance policies work on the basis of cover levels that reflect the total amount you could claim in the event of your wedding being cancelled for an insured reason. To ensure that you are not left out of pocket you should choose the cancellation cover that is closest to the overall cost of your wedding. If you are unsure of the total cost of your wedding, click here to use our handy wedding cost calculator.

    If you find at a later date that you need more cover, you can pay to upgrade your Dreamsaver policy to a higher cover level by calling us on 01483 562 662.

  2. Deposits paid before taking out cover - Before buying your wedding insurance policy you should check to see if it includes cover for any deposits you have paid prior to buying insurance. Some cheaper policies exclude this, potentially leaving you unable to recover these costs if you need to make a claim.

    Dreamsaver wedding insurance does cover deposits that have been paid prior to purchasing the insurance; so that you have peace of mind should the worst happen. Please note: this element of cover comes into force 14 days after the policy has been bought.

  3. Adverse Weather - Given the unpredictability of the UK weather it makes sense to ensure that your policy includes cover in case you have to cancel due to adverse weather. On many policies this cover will only come into force after a certain amount of time has elapsed after the policy purchase date (on Dreamsaver this is 14 days), so be sure to buy your wedding policy in good time for your special day.

    While this is probably more pertinent if you are getting married during the winter time, given what the weather can be like in the UK, it is wise to check your policy has cover for this eventuality whatever time of the year you are getting married.

  4. Public Liability - Public liability cover is there in case your venue or a third party sues you due to your accidental damage of their property or their person. On some policies this is referred to as personal liability. Some venues request that guests attending the wedding and reception have public liability cover, so check that your policy can be extended to cover your guests.

    Like most other wedding insurance policies, under the Dreamsaver policy only the bride and groom have liability cover as standard, however cover can be extended to include all your guests with the payment of an additional premium. The standard Dreamsaver liability cover is £2 million; however, some venues may require a higher limit. The £2m public liability cover limit can be extended to £5 million for an additional premium. You should check with your venue regarding the limit of indemnity they require. If you have purchased a wedding insurance policy that does not allow the liability cover to be extended to your guests, Dreamsaver also offers a stand-alone public liability policy that will cover the bride, groom and all of the guests up to £5 million.

  5. Marquee cover - If you are having a marquee for your wedding or reception then you may need to ensure that it is covered by your chosen wedding insurance policy, or check that the company who you are hiring the marquee from can include insurance. The Dreamsaver marquee extension also provides cover for any mobile W/C units that you may have hired for your celebrations all within the same additional premium.

We hope that these tips help you find the wedding insurance that is appropriate for your special day, so that you can look forward to it with peace of mind.

Dreamsaver wedding insurance has protected thousands of couples getting married and is available to give you peace of mind from just £25. Buy online and protect your wedding today.

Click to Get a Wedding Insurance Quote

Please Note: Policies must be purchased a MINIMUM of 14 days before the ceremony date.

Please Note: This Article refers to an historic version of Dreamsaver Wedding Insurance policy. Policy Terms, Conditions, Exclusions and Prices may have changed. Please see the latest policy wording for more details