Why wedding insurance is more important than you think

Save The Date is straightforward wedding insurance and is here to protect you and your bank balance if things aren’t going to plan. In this feature we will go over why wedding insurance is more important than you think and any lingering questions you might have when it comes to taking out a policy with Save The Date.

So why does it really matter?

Weddings aren’t just another party; they’re one of the biggest milestones in your life. You go through months or even years of planning, saving, and dreaming of the most incredible day, so doesn’t it make sense to protect it?

We know that wedding budgets aren’t a bottomless pit (even if we wanted them to be). With the average wedding cost at £20,000, losing deposits or having to rebook suppliers can be a huge financial blow to your budget. Wedding planning should be exciting and a celebration, not stressful. By taking wedding insurance out when you send your Save The Dates, you can relax and enjoy planning your special day from the start.

Suppliers, photographers, florists, they’re only human and mistakes, illness, closing of businesses, these things happen. It’s always easy to think it wouldn’t happen to you, but wedding insurance is about being prepared in case it does happen to you.

Weddings are emotional too, if your venue cancels or your band doesn’t how up, it’s not just the financial loss, it’s the heartbreak of seeing your carefully crafted plans fall apart. Having insurance can mean you can recover quickly, and focus on celebrating, instead of pure panic!

It’s not just for ‘big weddings’

You may think that taking out wedding insurance is “just for big weddings” but that’s not true! Whether you’re saying I do in the French Rivera or having an intimate wedding with family and friends, deposits and plans are still worth protecting. Think about your registry office fee, or the photographer, your dinner reservations or even the small marquee you’ve hired, all those things cost money and if the unexpected happens, you’d still lose out financially.

The beauty of smaller weddings is that they are personal and intimate, full of the people you both love, but it doesn’t make them risk-free. Wedding insurance is there to make sure that you can still have your special day without the stress of having to pay twice, if things don’t exactly go to plan.

Save The Date offers wedding insurance specifically for your wedding budget. By entering the total cost of your wedding, you can cover through 3 options: Basic, Classic and Deluxe. The higher the cost, the more coverage you’ll receive.

The myth, the legend of wedding insurance

When people hear “wedding insurance” a lot of questions and assumptions pop up.

“Doesn’t my wedding venue cover me with insurance already?”

Not really. Your venue will have their own insurance, but that usually just covers them, not you. If they cancel on you, close down or can’t host your big day, you’re often left without your deposit and hunting for alternatives. Wedding insurance steps in to protect your investment, not just the venue’s.

“Isn’t wedding insurance expensive?”

Wedding insurance is there to give you peace of mind for the sum of money you are spending to make your big day perfect. Save The Date cover starts from £14.49, less than a round of drinks at your hen or stag do! You can choose what policy cover suits you best and what you’d like to cover and protect for your special day.

“It sounds complicated”

What every couple needs is cute, straightforward wedding insurance… and that’s exactly what Save The Date is! We get it, nobody wants to read through pages of jargon, least of all when you’re juggling your seating plan and RSVP lists! That’s why Save The Date is simple and straightforward cover without any hidden fees or confusing fine print. You’ll know exactly what you’re getting and exactly how it helps.

“How does wedding insurance work?”

Wedding insurance protects your expenses if issues arise before or after your wedding. As soon as you purchase your cover, you’re protected! So, if your venue cancels, you have to rearrange or even damage happens to your ceremonial attire, you’re covered. Your cover depends on the policy you choose, please check our policy wording for the full description of cover options.

When should I get wedding insurance?

So, when is the best time to take our wedding insurance? The short answer is the earlier, the better.

As soon as you start putting down those deposits, whether it’s your venue, photographer, dress or catering, you’ve already tied up your money in the big day. And once your money is out there, it’s at risk if things don’t go to plan. That’s where Save The Date comes in, giving you cover from the very beginning of your wedding journey, not just the wedding day itself.

Think of it the same way as booking a holiday, you wouldn’t wait until you’re boarding the plane to buy your travel insurance, well wedding insurance is no different.

What does wedding insurance cover?

We have 3 cover options suited to the total cost of your wedding.

1. Venue Cancellation

Venue cancellation will cover you when your venue can no longer host your day. For example, if your venue shuts down or something like a flood or fire means they can no longer honour your booking, this is when your insurance can help. Venue cancellation is covered under all 3 of our tiers.

2. Wedding Car and Transportation

From vintage cars to hired minibuses for guests, transport can be a big part of the day. If your booked transport doesn’t show, breaks down or cancels last minute, wedding insurance can help recover those costs.

3. Wedding Gifts

We know that it’s not all about the gifts, but if gifts were to go missing, damaged or even stolen, it can be heart-breaking. Insurance helps to cover the cost of those losses. Please check our policy documents for more details on the cover.

4. Wedding Stationary

Invites, Save The Dates, menus, programs… it all starts to add up! If your wedding stationary is damaged or the printers write Ted and Lacey instead of Tom and Stacey, reprinting can be a big hidden expense. Wedding insurance can help cover those extra costs, so you don’t have to compromise on the details that make the day perfect.

We cover more including, rearrangement, financial failures of suppliers, photography and videography, ceremonial attire, personal liability, wedding rings, flowers and cake, overseas essential documents, and professional counselling is available on our Deluxe cover.

Our final thoughts

Your wedding is one of the most exciting and most expensive days of your life. You spend months planning, pinning the perfect Pinterest moodboard, perfecting every detail, but even with the best planning and organisation, somethings are out of control.

From cancellations and supplier failures to no-shows and damaged ceremonial attire, Save The Date wedding insurance is there for you when things don’t go to plan. It’s straightforward with no hidden fees and gives you the peace of mind on what matters the most.

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