To insure or not to insure that is the question

As a Wedding Planner I have been to many wedding and I think by now I have seen it all (although there may still be a few surprises out there!). Many brides ask me if they should get wedding insurance or not, every time my is always a most definite YES. You need to protect the most important day of your life. 9 times out of 10 the wedding will go ahead with no problems but on the off chance that someone let you down you need to be protected.

Before you think about your wedding insurance and the type of cover you will require. If you purchase your goods and service between £100-£30,000 on your credit card you will be protected against any problems. If you have any problem you will be able to claim your money back under section 75 of the Consumer Credit act.

Also it may be worth you while looking at your home contents insurance. Many have a clause that the amount of cover is increased one month before and one month after to cover the wedding presents etc.

Once you have established wither or not you need insurance you must now decide how much cover you require and the type of cover. Wedding insurance generally covers "loss and damage" (which may be included in your Home insurance) and "Failure to supply" which if you bought using your card then will be covered the Consumer Credit Act. As with all insurance policies you will not be protected against "act of God" in other words the weather, so if in doubt take an umbrella!

If after looking at this you decided you need wedding how much insurance to do you need? I would recommend that you get a policy large enough to cover the worst case scenario ie cancellation. I have inserted a table produced by which that you can use as a comparison.

Low-cost policies for wedding insurance
Policy	Cancellationb	Attire	Presents	Photos/film	Rings	Supplier failure	Premium
Covermywedding.co.uk 3 Stara	£9,000	£5,000	£5,000	£5,000	£4,000	£5,000	£40
Weddingsurance Ruby	£5,000	£3,000	£3,000	£3,000	£2,000	£5,000	£49
Event Insurance Level 1	£5,000	£5,000	£3,000	£3,000	£3,000	£5,000	£50
E&L Band 1	£6,000	£4,000	£4,000	£3,000	£3,000	£5,000	£20c
Confetti Gold	£9,000	£3,000	£3,000	£1,500	£2,000	£1,500	£49
Debenhams Gold	£9,000	£3,000	£3,000	£1,500	£2,500	£3,000	£53c
Weddingplan Silver	£5,000	£2,000	£2,000	£1,250	£1,500	£1,250	£20
Voyager Silver	£6,000	£3,000	£3,000	£3,000	£3,000	£3,000	£23
Greenbee Level 1	£5,000	£2,000	£2,500	£2,000	£2,500	40%	£46
Ecclesiastical Tier 2a	£7,500	£3,000	£3,000	£1,500	£3,000	£3,000	£56
Marks and Spencer Tier 1	£5,000	£2,500	£2,500	£2,000	£2,500	£2,000	£59