Couples inspired by Royal Wedding should remember insurance

Any lovers that have been inspired to tie the knot next year, after this week’s announcement of a Royal Wedding should ensure they don’t forget wedding insurance, the Daily Mail has said.

Wedding insurance provides couples with a safeguard against any unexpected disasters, that could happen in the run up to the big day. A range of policies are available from specialists although the premiums can range from £20 to £150, depending on the level of cover.

The Daily Mail advises couples to ensure they check the small print in the policy to see what happens if for example, your caterer or florists fails to deliver, as a wedding reception venue with no flowers or food is every newlyweds’ worst nightmare.

Research indicates that 68 per cent of policies will cover couples if their supplier goes bust but only 19 per cent will cover a supplier’s ‘failure to meet obligations.’ Normally, policies pay out for cancellation if the wedding venue cannot be used or if guests are unable to attend because of sever weather. Some policies also cover the death of a member of the wedding party, or the cancellation of the wedding due to pregnancy or childbirth, although this is dependant on the date of the pregnancy.

Brian Brown of comparison website Defaqto said: “With the cost of the average wedding reaching £20,000 and the recession causing an increasing number of suppliers to go bust leaving couples in the lurch, making sure all elements of the wedding celebrations are covered has never been more important.”