We are looking at some of the more common claims that are made under wedding insurance in this series of articles. We have already looked at cancellation and we have looked at the small army of suppliers in general. But we are now going to take a closer look at the more overt aspect of weddings. We are going to consider the consequences that can arise if something goes wrong with the wedding attire.
We have already mentioned the wedding dress and how it is the focal point of any wedding, but you would be surprised how many times it gets damaged before the event, or has to be altered in some unforeseen way. The most common event is that it gets damaged somehow. This is not a strange as it may at first appear. Because of the need for modern weddings to proceed like clockwork and the sheer costs involved in organizing them, people want to be sure that everything goes correctly without any hitches or hiccups. One way to ameliorate the chances of a mistake is to have a practice. Now you would think that people would just do this wearing their ordinary everyday clothes, but some couples want to see what they look like in their respective attire. It seems the days of `seeing the wedding dress being unlucky` have gone out of the window!
However, one of the consequences of these rehearsals is that sometimes the wedding dress can get damaged. If it is close to the day, it can be expensive getting it fixed in time.
There have even been cases of wedding dresses and even other wedding attire being stolen before wedding, leaving the participants little time to get replacements.
Whilst it may seem unlikely, with today's period of financial uncertainty, you always have to be prepared for the fact that sometimes a supplier will go out of business. This may involve the people who have made, or are making your wedding dress. You may have already paid for it up front, so to speak, or you may just have paid a deposit. Whichever way you have paid out, you will want to ensure that if the unthinkable happens, you have some recourse to recompense.
This is especially so with wedding dresses. Conservative estimates suggest that wedding dresses are averaging up to £1000 these days and people are often require to deposit at least 10% of that amount to the supplier before they will event start to make your dress. With figures like that being bandied about, it really does make sense to ensue that you have at least the basic wedding insurance cover in force before you start laying out money to suppliers.
It should not be forgotten that the groom, bridesmaid and sometimes the best man will also have wedding attire especially for the wedding, so you will need to make sure that is covered for its full value as well. Adam Leyton
