Wedding insurance basics

Wedding insurance provides financial protection should things not go to plan on your big day. This includes covering cancellation due to illness of the bride, groom or close family members, loss or damage of important items and even failure of transport.

Buyer’s checklist

Here’s a checklist of points to think about when choosing your Wedding Insurance policy.

What does wedding insurance cover?

Wedding insurance typically covers you in the event that the bride, groom or close relatives fall ill, requiring you to cancel or postpone the wedding. It also protects the following from loss, theft and failure of suppliers:

• presents
• flowers
• cake
• transport
• rings
• wedding outfits
• photographs

In fact if your photos don't come out because the film, negatives or any digital media that was used, has been damaged, Greenbee Wedding Insurance will pay for a photographer to re-shoot with the wedding party. We will also cover any costs required to do this, including things such as suit hire.

In addition Greenbee Wedding Insurance will pay any costs you may incur for re-arranging. If possible we will also try to organise suppliers at short notice from recommended suppliers.

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What extras should I think about?

Wedding insurance policies do differ. What's important is that the policy adequately covers the cost of your wedding. Policies can also cover:

• Getting married abroad: if you're having your wedding abroad, check that you're insured. Greenbee covers weddings anywhere in the world, and, for your entire wedding trip and honeymoon, we also offer comprehensive travel insurance
• Failure of suppliers: if any of your suppliers, such as caterers or entertainers go bankrupt, you'll be covered for the costs and deposits you've already paid. Greenbee also covers the expense of finding replacements.
• Marquees: if you're hiring a marquee, you may want to cover it against damage or vandalism. Greenbee offers the option of special cover for marquees or gazebos and also covers you if you want to have your wedding at home.

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Can I get insurance for a small wedding?

Insurers understand that they have to cater for very a wide range when it comes to the size and cost of a wedding. It might be a good idea to keep a record of what you've spent to ensure you've got adequate cover. Greenbee Wedding Insurance offers 12 different levels of flexible cover - ranging from £5,000 up to £50,000 - and allows you to upgrade your cover at any time.

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