Wedding Insurance - The PASH Wedding Forums and Message Boards

Complicated Woman · #1 03-13-2006, 02:52 PM

Is anybody else considering/used a wedding insurance policy?

I'm thinking of getting one so we can go ahead and set a date without Tom having to worry about what happens to all the money if he can't get the time off. I think it's really unlikely, since we're trying to plan for the least desirable time for vacation so that other guys aren't all off already, but since he will be the low man on the totem pole (and he's a worrier) he's afraid something will go wrong.

It's pretty inexpensive, it seems. The site I looked at offered a one time price of $245 for $15000 worth of coverage for the event being cancelled.

Opinions? Should we just keep waiting to set a date? What do you girls think?

Cirig · #2 03-13-2006, 02:55 PM

What are you afraid of changing? You may not need it. For example- the place that I booked my wedding said that if I need to change my date- I won't loose the deposit. Same with pretty much every vendor...

Complicated Woman · #3 03-13-2006, 03:00 PM

He's afraid he won't be able to get the time off at all and that we'll have to wait a year before he has earned any.

Knowing that they let you move your deposits is good to know. Thanks, girl.

I think he's rather out of his mind, it's a small, local dept and he knows a lot of people on it. He'll be able to get a DAY off for his wedding, particularly if he notifies them of it 9-10 months in advance.

Cirig · #4 03-13-2006, 03:07 PM

I can't imagine them giving him a hard time taking off to get married

But if your vendors will allow you to *move* your deposits to another date in case of an emergency, then I don't see the need to spend the $ on insurance

ETA- you never know though. One of the ladies here freaked out when she heard that I was taking my honeymoon after my wedding. Because she wasn't about to plan her vacation to suit me. What an a-hole. With a year and a 1/2 notice- you can't schedule a different week?!

syringa · #5 03-13-2006, 04:20 PM

Before you purchase the insurance, be sure to check to find out exactly what it covers. I did some research on wedding insurance awhile back and found that it primarily covers things that you have no control over, such as tornados, hurricanes, rolling black-outs, a fire at the reception center, and similar situations. It also covers things like a photogrpaher who forgets to put film in the camera or a merchant who gets in an accident on the way to the wedding and can't perform their duties. Insurance may not cover the inability to persuade a boss to allow time off for the wedding.

Whether merchants will allow you to change the date and not lose your deposit depends on whether they are already booked on the new date that you choose. Each merchant has their own policy.

You might also check your homeowner's insurance to see what they cover. Some will cover special events or you can purchase a rider to add to the policy to cover the event.

ljeagle · #6 03-13-2006, 05:37 PM

I checked into it since my first wedding went all to He** 4 days b-4 the wedding. I guess I was just scared and thought I might need some back up this time. Well the ones I found didn't cover cold feet runaway bride. It had to be something that can't be help like syringatlaked about.

555Ann555 · #7 03-13-2006, 05:45 PM

I took out wedding insurance. It wasn't expensive, and like Syringa said it covers things that would be out of your control (like natural disasters, severe illness in the wedding party, vendors not providing the service they were contracted for) but it doesn't cover you changing your mind or not getting the time off work.

It seemed worth taking out anyway. I think it was only about £30 which is maybe $50? something like that anyway...

Complicated Woman · #8 03-13-2006, 06:06 PM

The one that I looked at said it covered things like inability to get a leave of absence from the military, or illness or whatever. It was an event cancellation policy but didn't count if someone changed their mind.

PrincessDianne · #9 04-28-2006, 11:08 AM

But if you want to change your insurance just my advise just compare their premiums to other insurance out there but i always recommend to visit Insurance-Quote-Free i hope this helps.

AshyBekka · #10 06-02-2006, 08:29 PM

I thought about wedding insurance as well since my fiance is a Marine and is currently deployed. However, being the baby lawyer that I am, I negotiated clauses into all of my contracts protecting us from liability or costs if for some reason his deployment is extended. In our case, and I think especially being in the South, most vendors are very understanding about his situation and would be unlikely to try to keep a military family on the hook-not good PR! However, the only wedding insurance company I've heard good reviews about is WedSafe, which was reviewed in a "Bridal Bargains" book that a friend of mine gave me.

Good luck with whatever you decide!

cwpri · #11 06-08-2006, 03:22 AM

Imo, I think it would be best to look into getting wedding insurance to be safe rather then be sorry. Also like one of the other ladies have mentioned... Definately look into home owners insurance see what they cover and what kind of plans they have. If you happen to call them "Make Sure" and I stress this to everyone.. make sure they tell you everything you need to know i.e. what do they cover, how does this and that work. Bombard them with questions. If you happen to hang up with them and remember something you wanted to ask call back and make an appointment to view all the options you have for coverage.

weddingadvisor · #12 06-11-2006, 09:24 PM

Personally, I think it's a scam. If your FI can't take the time of way ahead of time, he needs to change his priorities.

There should be no problem with setting the date up to a year or so in advance and letting his employer know. I mean, this is your wedding. Isn't that more important than going to work?