In this wedding blog post we are having a look at the idea setting up wedding insurance, most couples will agree that its not the most glamorous part of wedding planning, wedding insurance might seem like an unnecessary cost but what happens if something goes wrong on the most important day of your life, so is wedding insurance worth it ?
Over the past number of years, we have heard ‘wedding insurance’ mentioned a number of times by our wonderful brides and grooms. Some wonder if it is worth the cost, others are very grateful that they did take out a policy, because of unforeseen circumstances on the day. With this in mind we have taken an in-depth look at some of the wedding insurance policies offered in Ireland and hope you find this information useful when it comes to deciding if wedding insurance is right for you. Please note we have just researched companies that offer insurance cover for weddings taking place in Ireland, these do not cover weddings abroad.
Who provides wedding insurance in Ireland?
From our research we have found that quite a lot of mainstream insurance providers will also provide cover for weddings. However, their policies do vary massively so in our opinion it’s worth going with a dedicated wedding insurer. It’s also worth checking with your existing home insurance provider to see if they can offer you any cover and whether a discount can be offered to existing customers.
The main dedicated wedding insurance providers in Ireland appear to be:
Mainstream providers who have also appeared in our searches:
How much does wedding insurance cost?
From our research we have found that wedding insurance is a once off payment ranging from €34 right up to €145. The higher the premium, the higher the maximum payment is for a cancellation on your big day.
What does the policy cover?
Most policies that we have researched will cover cancellation of venues, suppliers, gifts, personal liability, cars and transport, accidents, legal expenses and smaller items such as rings, flowers and cakes.
Optional extras are also available on most policies and these can cover marquee damage or cancellation and public liability cover.
So is it worth it?
For such a small payment, I do think taking out an insurance policy to cover all eventualities would certainly be worth it. When we think of the amount of organisation and the years of savings that go into planning a wedding, the premium prices we have found online are extremely minimal. That said, in a lot of cases, insurance cover may not be required; all hotels and venues will have their own insurance policies in place to cover all persons attending the venue. Suppliers should also have their own insurance policies which should ensure you are covered in the event of a no-show, double booking or substandard service or product.
Our advice: Speak with each and every supplier and venue and ask them about their insurance policy, feel free to ask for something in writing if this will make you feel more comfortable. If you still feel that you need extra insurance cover after talking with your vendors, then you will find a host of Irish insurance companies that will tailor a package for your requirements.
Why you will never need wedding insurance with Drangan Video
Drangan Video have been providing videography services to brides and grooms across Ireland for over a decade. We always provide top class service, a pristine product and an experience that our brides and grooms are always happy to recommend. We never double book, we undertake all our own editing and service and upgrade our videography equipment on a regular basis. The team here at Drangan Video will also be happy to travel anywhere in the country to video your wedding, so whether you’re in Kilkenny, Dublin, Cork or Tipperary there’s no need for wedding insurance with Drangan Video.
Feel free to get in touch if you have any questions about our services or our insurance policy. Some dates still available for 2018!