Wedding Insurance - Any recommendations ?

CPSW

Hi all

I am getting married next year, venue and ceremony are booked.

With other items due to be booked in the coming weeks, I am going to shop around for wedding insurance, has anyone any recommendations for anyone that they have used?

Any advice will be appreciated!

Thanks in advance

racersedge

When I got mine recently, I just googled the keywords. All of them read much and the same, not a massive amount of variations with them.

I settled in weddinginsurance.ie , as they at least mentioned on wedding websites. I know its not a massive amount to put down but wanted to have an insurer with some form of public opinion towards them should a worse case scenario appear and I have to use them.

Liam McPoyle

The venue we booked included wedding insurance as part of their offering.

It was arranged through a brokers - Blue Insurances in Blanchardstown I believe - decent cover with all the major things included.

Not sure how much it is to buy but I can't imagine much more than €100.

Prolly worth giving them a call.

CPSW

Thanks folks for the feedback, will give those recommendations a look.

andreac

Can i just ask, what exactly does wedding insurance cover and do you need it?

westernlass

This might help

http://onefabday.com/ie/understanding-wedding-insurance/

Milly33

I was just going to ask the same thing. Still don't really get it, do you not sign contracts with lets say the hotel, the caterer etc so are you not covered by that anywho

ABajaninCork

andreac wrote: »

Can i just ask, what exactly does wedding insurance cover and do you need it?

Depends on the cover taken, but generally, it should cover:

Venue going bust (NOT administration)
Dress
Cars
Suppliers going bust

Some will also cover your honeymoon. You need to check.

Milly33 wrote: »

I was just going to ask the same thing. Still don't really get it, do you not sign contracts with lets say the hotel, the caterer etc so are you not covered by that anywho

No. If the venue goes bust, then you have the stress and aggravation of trying to find another one AND shelling out the money again. You as a client will be very low down on the list to be paid. In such a case, it'll be unlikely you'll see your money again...

I used to work in the industry. Wedding insurance is a very small price to pay for peace of mind. Couples lash out 000's on venue, dress, cars and flowers etc.; but baulk at paying E80 to take out insurance! I can't understand it. So often, I've seen brides stressed to the eyeballs because either the dress shop went broke - shop's gone with the money AND the dress. In some cases, money's been taken, but the order wasn't placed with the designer. Cars that have been booked, don't turn up. ANYTHING can go wrong. Of course, you hope it doesn't, but I've seen it happen a good few times.

If you don't want to take insurance, that is of course your choice. But I always used to tell my brides to take it out. Another thing I used to tell them was NEVER to pay for the big ticket items such as venue, dress, cars, and flowers in cash. |Don't even use bank transfers, as that will be treated as cash. Always use either a credit card or Visa debit. If things go wrong, then you can always get a chargeback.

Hope I've helped!

Milly33

I see I see good to know... On the note though do people not pay lets say a small deposit and then after the whole thing goes down pay the remainder.. sorry I don't mean to be pestering I am honestly interested as for ours we have just paid deposits with signed contracts no other money has changed hands and we have been told paying after is fine..

ABajaninCork

Milly33 wrote: »

I see I see good to know... On the note though do people not pay lets say a small deposit and then after the whole thing goes down pay the remainder.. sorry I don't mean to be pestering I am honestly interested as for ours we have just paid deposits with signed contracts no other money has changed hands and we have been told paying after is fine..

It depends on the supplier and what's being supplied. It's standard practice to pay a deposit for things like venue, dress, suits, cars and flowers. By paying it, your item/venue/dress/car is reserved for you, and no-one else can take it over. Read the contracts carefully, but normally, these aren't returned.

For your venue, payment is usually completed in stages. For example. When I got married, we paid E1500 deposit; a third of the balance a month before, and we settled in full the day after.

Some of our other suppliers like the videographer/photographer, we paid when we got the product. My husband paid the cars when the driver came to pick him up. Flowers were paid in stages, and paid in full before the wedding as was my outfit, suits, BM dresses and church (I married in the North Cathedral). It really depends on what the suppliers want.

Gatica

We used http://www.irishweddinginsurance.ie/ as they covered the value of what our wedding was going to be and we liked the cover. I checked out other insurances at the time and that was the best one in 2011/2012 in my opinion.

fits

Gatica wrote: »

We used http://www.irishweddinginsurance.ie/ as they covered the value of what our wedding was going to be and we liked the cover. I checked out other insurances at the time and that was the best one in 2011/2012 in my opinion.

Just anote on covering the dress. I looked this up some months ago and it sounded like dress was only covered when in my possession. Wording was very vague. I decided to pay by credit card and rely on that insurance instead.