Dolce Sposa » Insurance

Wedding Insurance Comparison

dolceSPOSA — Tue, 09 Feb 2010 15:06:16 +0000

We at Dolce Sposa have compiled a wedding insurance comparison table to help you compare wedding insurance from some of the best wedding insurance providers in the UK. We know that finding the right wedding insurance among the numerous providers out there can be a difficult though essential task, and hence we hope to simplify your search by providing this wedding insurance comparison table so that you can now focus your time on the more exciting and memorable parts of wedding planning. We have also done extensive research into the most common wedding insurance claims and therefore included in the table below the amount of cover for those insurance claims.

Cover up to £5000

Insurer	Cancellation Cover	Attire	Vendors	Photos	Rings	Cost
2 Star	£5000 (excess £35)	£1500	£1250	£1250	£1500	£18.99
Silver	£5000 (excess £25)	£2000	£1250	£1250	£1500	£19.99
Tier 1	£5000 (excess £50)	£0	£0	£0	£0	£30.00
Tier 1	£5000 (excess £0)	£2500	£2000	£2000	£2500	£59.00

Cover up to £10000

Insurer	Cancellation Cover	Attire	Vendors	Photos	Rings	Cost
Band 1	£6000 (excess £0)	£4000	£5000	£3000	£3000	£19.50
Silver	£6000 (excess £0)	£3000	£3000	£3000	£3000	£22.50
Tier 2	£7500 (excess £50)	£3000	£3000	£1500	£3000	£56.00
Tier 2	£8000 (excess £0)	£3500	£2000	£2250	£2500	£99.00
Gold	£9000 (excess £25)	£3000	£3000	£1500	£2500	£53.00
3 Star	£9000 (excess £35)	£5000	£5000	£5000	£4000	£39.99
Band 2	£10000 (excess £0)	£5000	£6000	£4000	£4000	£33.00
Gold	£10000 (excess £25)	£3000	£1500	£1500	£2000	£34.99
Gold	£10000 (excess £0)	£5000	£5000	£5000	£5000	£36.00

Cover up to £15000

Insurer	Cancellation Cover	Attire	Vendors	Photos	Rings	Cost
Tier 3	£12500 (excess £0)	£4000	£3500	£2500	£3500	£154.00
Tier 3	£15000 (excess £50)	£5000	£5000	£2000	£5000	£56.00
Band 3	£15000 (excess £0)	£6000	£7000	£5000	£5000	£48.75

Cover up to £25000

Insurer	Cancellation Cover	Attire	Vendors	Photos	Rings	Cost
Tier 4	£17500 (excess £0)	£5000	£5000	£3000	£3500	£189.00
4 Star	£18000 (excess £35)	£6000	£6000	£6000	£6000	£79.00
Platinum	£18000 (excess £25)	£10000	£5000	£3000	£3500	£90.00
Band 4	£20000 (excess £0)	£7000	£8000	£6000	£6000	£56.25
Platinum	£20000 (excess £25)	£6000	£3000	£3000	£4000	£59.99
Platinum	£20000 (excess £0)	£7000	£10000	£7000	£7000	£75.00

Cover up to £50000

Insurer	Cancellation Cover	Attire	Vendors	Photos	Rings	Cost
Tier 4	£30000 (excess £50)	£7500	£7500	£3000	£7500	£152.00
Band 5	£30000 (excess £0)	£8000	£9000	£7000	£7000	£73.50
Diamond	£30000 (excess £25)	£10000	£5000	£3000	£3500	£79.90
Diamond	£30000 (excess £50)	£10000	£15000	£5000	£10000	£104.00
Diamond	£30000 (excess £50)	£10000	£10000	£5000	£6000	£318.00
Band 6	£35000 (excess £0)	£9000	£10000	£8000	£8000	£112.50
Band 7	£40000 (excess £0)	£9000	£10000	£8750	£8750	£135.00
5 Star	£40000 (excess £35)	£10000	£10000	£10000	£10000	£139.00
Band 8	£50000 (excess £0)	£10000	£10000	£10000	£10000	£172.50
Diamond Plus	£70000 (excess £50)	£10000	£10000	£5000	£6000	£318.00

Thank you for using Dolce Sposa to search for your wedding insurance.

We will now be handing you over to our chosen partner who will assist with the purchase of your wedding insurance policy.

Wedding insurance prices and cover were last updated on the 8th February 2010.

Dolce Sposa aims to update our wedding insurance information on a regular basis to provide you with the most accurate information. But as packages can change from time to time, please bear in mind that you are still responsible for doing your own diligence and double-checking the detailed terms and conditions when looking for the best wedding insurance product for you. The information on our site is a guideline and a basic resource to help you compare what wedding insurance products are currently available in the market. Please get in touch with the various wedding insurance providers to get detailed information about their wedding insurance cover and wedding insurance policies.

Photo courtesy of Keith Appleby

Top Three Wedding Insurance Providers

dolceSPOSA — Tue, 26 Jan 2010 12:04:21 +0000

With so much choice when it comes to buying your wedding insurance policy, it can often be hard to know where to start. Here’s a guide to three of the best providers on the market for wedding insurance to give you a head start. Quality matters. If you’re looking for the cheapest wedding insurance, it’s not something we would recommend at Dolce Sposa. You’ll find that cheap wedding insurance is cheap for a reason, i.e. when it comes to making a claim you may have difficulty making a successful claim which makes it rather pointless in paying for wedding insurance. We recommend that you do it right and go for a reputable wedding insurance provider. And make sure you read the fine print to understand the circumstances under which an insurer will pay out.

1. E and L Insurance

E&L has a selection of cover levels, all of which provide comprehensive cover for every eventuality. It covers weddings both in the UK and overseas, and also offers the same cover for civil partnerships.

Premiums

There are eight separate bands of cover at E&L, meaning you have a lot of choice when it comes to choosing your level. The basic premium for Band 1 without any extras is £19.50, going up to £56.25 for Band 4 and £172.50 for Band 8. The premiums are the same for both overseas weddings and civil partnerships.

Example Cover

Because there are so many cover bands, the level of cover differs greatly. As an example, Cancellation & Expenses cover for Band 1 goes up to £6,000, and for Band 8 it goes up to £50,000, meaning the vast majority of weddings will be covered.

Pros

E&L does not charge excess on anything apart from Public Liability and Marquees, where it is £99. It can be purchased up to two years before the wedding, and the wide choice of cover levels makes it suitable for most weddings.

Cons

Premiums for all types of weddings are the same, including civil partnerships and weddings abroad, whereas they could be different to provide better value.

Website

The website is simple to use so it is easy to get a quote quickly and easily. It also contains a detailed FAQ section and a good Tips & Advice section.

2. Ecclesiastical Wedding Insurance

Ecclesiastical is one of the best wedding insurance providers in the UK, offering a wide choice of cover levels and the unique feature that allows you to pick and choose your own cover for each event.

Premiums

There are five tiers of cover available, and the basic premiums are: £30, £56, £82, £152 and £282. Extra marquee cover is available on all tiers for either £75 or £105 depending on the type of marquee.

Example Cover

Cancellation or Curtailment cover ranges from £5,000 on Tier 1 to £50,000 on Tier 2. Public Liability cover is also comprehensive, covering anything up to £5 million.

Pros

The wide choice of cover is what makes Ecclesiastical one of the best providers around. The Mix & Match features also allow you to choose from each cover level to make your policy even more specialised for your wedding.

Cons

Cheapest package does not include many of the basics, including rings, wedding attire, gifts and failure of suppliers.

Website

The website is clear and easy to understand, and contains lots of details about weddings and insurance, including detailed FAQ, Advice and Budget Planner pages. All of the important documents (Summary of Cover, Policy Document) are easy to find and download, and there is a clear Mix & Match example to follow.

3. Cover My Wedding

CoverMyWedding is dedicated to providing wedding insurance, which gives it a slight edge in the specialist stakes. The choice of cover is wide, and the premiums are also affordable.

Premiums

Cover My Wedding has four levels of cover, from 2 Star to 4 Star. The premiums are as follows: £18.99, £39.99, £79, £139. Example Cover Cancellation & Rearrangement cover ranges from £5,000 to £40,000, and Ceremonial Attire cover ranges from £1,500 to £10,000. Most of the other levels of cover also provide a wide choice for any type of wedding.

Pros

There is the option of an excess waiver available for which you will have to pay a slightly higher premium. There is also a full range of optional extras available to cover every eventuality.

Cons

No noticeable disadvantages, although it could have more levels of cover to provide extra choice.

Website

CoverMyWedding has a great website with very clear instructions for use. It has a very detailed comparison service which makes it easy to choose the level of cover that is right for you. Shop Around for the Best Deals

Shop Around for the Best Deals

These are three of the best wedding insurance providers on the market. However, it always pays to shop around to find the right deal for you. Try to get as many quotes as you can and then go with the company that provides what you most need, and you will be sure to get the best possible cover available. To make your life easier, compare wedding insurance quotes using Dolce Sposa’s Wedding Insurance Comparison table.

Top Five Wedding Insurance Claims

dolceSPOSA — Thu, 14 Jan 2010 14:14:48 +0000

After speaking to some of the top wedding insurance companies in the UK, we have now compiled a list of the five most common wedding insurance claims. This is something you should bear in mind what you compare wedding insurance policies. With so many different types of claims covered by wedding insurance policies, it is very easy to get overwhelmed so here are the ones that are most likely to come in useful.

1. Cancellation

This is clearly the main expense that any bride and groom will have to face if something goes wrong. Wedding cancellation refers to any costs that are involved if you are forced to cancel the wedding for reasons such as injury, illness, death or supplier failure (not if you change your mind!).

If the wedding is cancelled for a legitimate reason, you will be covered for the cost of the venue, the cost of suppliers, any deposits you have made and any other costs associated with the wedding. There will always be an upper limit, and it is this limit which often determines which policy you take out. So for a very expensive wedding it makes sense to get a more expensive policy that will cover you completely.

2. Problems with Suppliers

No matter how well prepared you are for the big day, things can sometimes go wrong that are not your fault. You will have to rely on the photographer, cake maker, caterer, driver and many other suppliers on your big day, and any one of these could fail you at the last moment. The fact that the event is on this list means it happens more than one would like to admit, and it is well worth taking out cover for this event alone.

3. Damage to Wedding Dress

The wedding dress is often chosen months in advance by the bride. Of course the focus of the wedding is often on the bride and her dress, so any damage that it sustains will need to be fixed quickly. This could incur last-minute costs, or it may be that the bride wants to get it repaired after the wedding. In any case, wedding attire is covered in all good policies up to a certain financial limit.

4. Photographs

Photographs are one of the most important things at the wedding, and one of the things that lead to the most anxiety. They are also, as their presence on this list shows, one of the things that can cause real problems. The failure of the photographer to turn up for any reason, or the failure to deliver good quality photographs, can lead to the need to make a claim. A insurance will often pay for the photos to be retaken, which can sometimes include re-setting the scene for the cutting of the cake so that you have a record of the moment.

5. Problems with the Venue

There are plenty of things that could go wrong with the wedding venue. It could go bankrupt, burn down or the owner might fall ill forcing the event to be cancelled. You might also decide that the service was not what was promised and enter into legal proceedings to get compensation. Wedding insurance policies cover for these eventualities should you be entitled to financial compensation of some sort following a problem with your wedding venue.

Beginner’s Guide to Wedding Insurance

dolceSPOSA — Sat, 02 Jan 2010 13:40:08 +0000

Dolce Sposa would like to share with all our readers some basic information about wedding insurance. We highly recommend you to purchase wedding insurance to protect yourselves from anything that might go wrong. We know that wedding insurance can seem quite complicated at first with all the strange terms and the legal jargon so I have made a brief beginner’s guide to wedding insurance to help you when you first start out with your search.

What is Wedding Insurance?

Wedding insurance provides financial cover for specific events at your wedding, such as cancellation, stolen presents, photographer failure and many more. A wedding is an investment which often involves huge amounts of money. Wedding insurance protects your investment so that if something goes wrong you are able to claim financial compensation.

Getting Started with Wedding Insurance

The first thing you must ask yourself when it comes to wedding insurance is whether you need it. If you are having a very small wedding without much investment on your part, you may decide against it. But even a very basic wedding can benefit from wedding insurance. For example, the loss of the wedding rings or the failure of the photographer may be enough to make it a worthwhile investment.

If you are spending a fair amount of money, ask yourself how much you would be prepared to lose should you have to cancel the wedding. Also ask yourself how disappointed you would be if the photographer failed to turn up or the cake got damaged and you had to order a new one. If you would like peace of mind for these possible events, then it’s a good idea to take out wedding insurance.

Cover Levels

After you have decided that you want to take out wedding insurance, you should then decide on the level of cover that you require. All wedding insurance providers will offer a number of different cover levels which will cover different events and provide different financial limits. Generally speaking, the more expensive policies will cover more events and provide a greater level of cover for each.

If you want to get a high amount of cover for one event, but don’t require cover for something else, then you may be able to mix and match your policy cover. Always phone up your chosen provider and ask about options if you have particular requests as they may be able to arrange a more specific policy for your needs.

Getting a Quote

Once you have a good idea of what you are looking for, it’s a good idea to shop around and get a number of quotes from different providers. It is a competitive market and you may be surprised by the difference in premiums. To assist you, we at Dolce Sposa have created a wedding insurance comparison table to help you compare wedding insurance policies from some of the leading insurers in the UK.

Read the Small Print

Always go over the details of exactly what your policy entails, preferably before you have taken out your cover. You will be able to find these on any insurance company’s website, and it is your job to make sure you are covered for every eventuality before you purchase the policy.

GLOSSARY

Here are some terms that you may come across when planning your wedding insurance, along with their definitions.

Excess – The amount of money that you have to pay on a claim before you can start to get compensation. E.g. for a claim of £150, you may have to pay the first £35.

Liability – Any actions you take that result in damage or harm to people or property for which you are liable to pay the costs.

Quote – The amount that an insurance provider will charge you to take out the policy. The quote can be altered by adding or withdrawing certain events and through changing the level of excess.

Pre-Existing Medical Condition – Any medical condition that you already had before you purchased your insurance policy. This is only relevant to personal accident cover.

Premium – The total cost of your insurance policy.

Indemnity – The technical term for a payout after you have made a claim.

This makes up our basic guide on wedding insurance and we hope you found this article helpful.

Why Do I Need Wedding Insurance?

dolceSPOSA — Wed, 23 Dec 2009 13:48:39 +0000

When you buy a home, a new car or go on holiday, it is very likely that insurance will be right at the top of your list of things to arrange. But when it comes to weddings, people often fail to realise just how essential it is to take out wedding insurance.

Wedding insurance is now considered one of the most important purchases for your big day. Weddings are expensive events, and people are becoming increasingly aware of the huge financial burden they could face should something go wrong. Everyone wants their wedding to go off without any problems, but things can and do go wrong – and when they do the costs can quickly add up.

Accidents and Unforeseen Events

Although no one wants to worry about their big day being a disaster, as with anything in life, events can sometimes intervene and ruin your day. You could fall ill, have an accident or experience a death in the family, any of which could lead to the cancellation of the event. But in such a situation you can’t expect the hotel that you have hired for the reception to pay back all your deposit, and if you fail to carry insurance your money will be lost.

Problems with Suppliers

No matter how carefully you plan your wedding day, you will have to rely on a lot of other people all performing their roles without fail. The reception venue, the car-hire company, the cake company, the photographer – anything could happen to any of these suppliers that could affect your big day.

The venue may not include the promised amenities and you end up taking them to court; the company that is making your wedding cake could go bankrupt just before the wedding and you will have to fork out for another expensive cake at the last moment; the photographer might fall ill and you need to hire another one at the last moment. Insurance covers all of these possible events so you will never be left picking up the pieces for someone else’s failure.

Peace of Mind

A wedding can be a very stressful occasion. You want it to be perfect, but this can sometimes put even more pressure on you (added to the fact that you are about to make the most important decision of your life!). Most people cannot help but become a bit stressed and worried that everything is going to go alright.

Rather than go through the whole day with this fear, taking out a wedding insurance policy means that you are covered should the worst happen. After spending thousands of pounds on this one day, you simply don’t want to have to worry about the financial burden should an unexpected and unwanted event arise.

With a wedding insurance policy, if the worst was to happen then at least you don’t have to worry about the costs involved, meaning you can enjoy your day as you are supposed to.

Photo courtesy of David Pullum

Wedding Insurance

dolceSPOSA — Thu, 22 Nov 2007 19:44:58 +0000

Come rain or shine, your wedding day should be one of the happiest and most memorable days of your lives together.

Why wedding insurance? You plan everything meticulously in advance from your engagement to your wedding day and perhaps even your honeymoon! We always hope and expect that everything goes perfectly before, during and after your wedding day. But it is also a fact of life that there are lots of things that can go wrong and these thoughts can prove to be rather stressful when you take into accout the considerable financial investment you’re likely to have made before you wedding day. So why not save yourselves the worry and unnecessary stress by ensuring that you protect yourselves with wedding insurance in the hopefully unlikely event that something goes wrong?

There is a lot of money involved in planning your wedding. In the UK, the average cost of a wedding is over £20,000 and can cost potentially much more. Weddings are costly, perhaps among the biggest expenses you’ll have part from buying a home at this stage of your life! And if you care to give it some thought, there are plenty of things that could go wrong and therefore the risks are high.

You can hire the best wedding planners, commission the best wedding vendors, hire the most exclusive wedding venue and plan as meticulously as you can but there can always be something that can go wrong that can potentially ruin your wedding day. So be smart and protect yourself from day one with a wedding insurance. This is the most important thing and the biggest favour you can do for yourselves.