The wedding team at The Old Milking Parlour tell us why wedding insurance is worth considering

"I didn't even know that wedding insurance was a thing..."

Often something Lou and Colin at The Old Milking Parlour at Cavokay House hear whenever they mention wedding insurance to their couples. Here they tell us more, and why it's something well worth the investment.

Couple kissing confetti throw Credit: TP Photography
couple tying the knot with celebrant Credit: TP Photography

When you're in that happy bubble of wedding planning, the concept of things going wrong are far from the beautiful, happy, fun filled vision that you have in your head for your wedding day.

And, don't worry. Most weddings do happen without major problems. But from time to time, things happen that you can't control. And with the average cost of a 2023 wedding in the U.K. at more than £20,000 and 65% of couples spending more than £15,000 on their wedding (Source: Hitched). Obtaining wedding insurance is a sensible way to protect yourself from the financial impact of some unforeseen events.

We decided to do a little research into wedding insurance. All weddings are different and a quick look at the internet shows that wedding insurance policies differ too.

Most policies seem to cover (amongst other things) rings, wedding attire and cancellation due to illness of a member of the wedding party.

close up of wedding couple's hands handfasting Credit: TP Photography
Bride and groom kissing at the altar with floral artch in background Credit: TP Photography

But there are lots of other things that some insurance companies also cover. For instance, marquees, W.C. units and even ceremonial swords. You definitely need to do your own research on this (and actually, we aren't allowed, by law, to advise you on different policies). We were also interested to note that some policies cover lost deposits.

Whilst it seems that insuring against rain on your wedding day probably isn't possible and you're unlikely to get cover if you cancel due to one of you getting cold feet. You may be covered for wet feet (sort of) as we've seen some policies that do cover things like flooding and extreme weather.

An interesting point that we did notice during our research relates to wedding photography. Lots of policies seemed to cover wedding photos, and photographer 'no shows'. But one we spotted actually stated that they only covered this if a professional photographer was being employed. So if a keen amateur photographer family friend was taking the pics, it's unlikely that their work would be covered. We wonder if the same principle applies to, say, the wedding cake – if the wedding cake were to be made by a family friend, rather than a professional cake maker, would it be covered by wedding insurance? If you're not having a professionally made cake, then that's definitely a question to ask your wedding insurance provider.

Bride and groom behind a gold frame Credit: TP Photography
Bride and groom smiling floral wedding arch in background Credit: TP Photography

Like all insurance policies, the cost of wedding insurance varies. Our own research appears to show that policy cost is generally proportional to wedding cost.

Whilst on the subject of insurance, it's probably also worth mentioning that wedding suppliers should also have public liability insurance. And this is something you might want to check before booking with any supplier if you are unsure. It's hard to think of a reason why any bona fide professional wedding supplier wouldn't have public liability insurance.

We imagine that by the time you're searching for your venue, you will have a good indication of what your overall wedding spend will be. If you have an idea of how much you will be spending on your wedding and how much out of pocket you'd be if you had to rearrange your day, then that will give you a fair idea of the insurance cover you would need. We would suggest that this is the time to be searching for wedding insurance… It really is a thing.

Check out https://www.oldmilkingparlour.co.uk

Images featured were captured as part of a styled shoot at The Old Milking Parlour at Cavokay House.

SUPPLIERS
Celebrant: https://soulshineceremonies.co.uk
Photographer: https://thurtlepower.com
Accessories: https://www.tessastiaras.co.uk
Hair and Make Up: https://amyinwoodbeauty.co.uk
Outdoor arches: https://www.facebook.com/Theblueboxcakecompany
Models: Tommy Napolitano and Claire Louise Aplin

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