I received an email the other day from a bride who couldn’t get her head around the whole wedding insurance issue. She was undecided on whether it was important or not. I gave her the knowledge i knew, bearing in mind that i am by no means an expert but i understand the products out there and i had to get insurance for my wedding last year.
I was hosting the wedding in my husbands grannies back garden which meant that it wasn’t in an approved venue. By not being approved, it meant that it wasn’t an ‘insured commercial premises’. It hadn’t been safety vetted etc. This would be the case for a lot of barn and marquee weddings. The main issue we had was if someone fell or hurt themselves, we would need to be in a position to look after them financially should there be a need to. This was one of the hardest things to source and we had to get Public Liability Insurance in both myself and my husbands name. It was €200 and in my case, you couldn’t put a price on piece of mind! We got our insurance with O’Loughlin Insurance Group.
If you are getting married in an approved and insured venue, you can rest assured knowing that this responsibility is in the hands of the venue! If you are bringing in third parties – decorators, drapers, lighting, etc that is outside the venues remit, then some venues can ask for their public liability insurance as say one of the lights went on fire, (god forbid)and if its not owned by the venue then they won’t be able to cover the damage and the responsibility lies with whomever supplied the lighting. If a supplier cannot provide this insurance, the venue could say that they are not happy with them bringing their services to the venue.
General wedding cover usually comprises of cover for a genuine issue whereby a supplier failed to show up or provide a service. It really is coverage for the random things!
Wedding Insurance won’t cover you if you change your mind, that’s on your own head unfortunately but it is the safety blanket for those ‘just in case’ incidences that we all hope won’t happen with our special day.
In terms of pricing, from what i can see, it can vary. It depends on the level of cover you want and there are options if you were going down the marquee route. Some providers i found offer cover from €30apx for very low level of cover. The majority offer cover from €75 but like car and health, you pay for the level of cover you want.
Here is a list of some providers i found if you are interested in shopping around:
Im not an insurance expert so i honestly don’t know which one is the best option. I also heard that if you have home or contents insurance that you should call your insurer and let them know if gifts, dresses, rings etc are now in the house. In some cases your insurer may be able to add on a package for the period of your wedding to your policy which will cover you.
Again, it is one of those things we don’t like to think about when it comes to our wedding day but i always prefer to be safe.
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