Blog

Wedding Insurance and why you need it

 

For a number of years, it has become a sort of a wedding tradition to insure the happiest day of your life, from any potential disasters. More Australian couples are insuring their wedding day against any venue damage, last minute illness or a medical condition or even stolen rings, wedding dresses and heirlooms.

More and more wedding horror stories have emerged, which have encouraged soon-to-be-married couples to seek wedding insurance for safeguarding them against any unexpected circumstances.

Here are some of the most common wedding insurance claims that can help you avoid any adverse and unfortunate situation on your wedding day. Before you dismiss the idea of insuring your wedding day, remember that Australian couples can avail this amazing opportunity from just $215, which is a small price to pay for a blissful and stress-free day.

Charmed Events has partnered with Dream Wedding Insurance to provide Australian couples peace of mind on their big day.

Get a quote today and buy online in under 5 minutes 

Have you stopped to consider the consequences if something was to go wrong on the lead up to, or even on, your wedding day?

If You Ever Have the Misfortune of Cancelling or Postponing Your Wedding

  • Due to heavy rain, the roads and highways were closed, due to which the bridal party and guest were unable to reach the reception site or the wedding venue. The band, cake, food, flowers and photography service, all had to be cancelled. Amount Compensated through Event Cancellation Coverage: $25,000

  • The groom unfortunately suffered from chest pain on the wedding and had to be rushed to the hospital for treatment. Later, he was diagnosed with a heart condition, which forced him to postpone the wedding. Amount Compensated through Event Cancellation Coverage: $28,907.45

  • The event was to be held on Blanket Bay / Hamilton Island and the authorities didn’t allow any boats on the island due to adverse weather conditions. Amount Compensated through Event Cancellation Coverage: $25,808.60

  • The wedding was cancelled, because the military leave was revoked. Amount Compensated through Event Cancellation Coverage: $8,210.16

  • Bride’s father had a bike accident and suffered from several injuries, including a crushed pelvis, due to which the ceremony was postponed. Amount Compensated through Event Cancellation Coverage: $13,563.23

  • Cyclone Yasi forced the bride and groom to cancel their wedding. Amount Compensated through Event Cancellation Coverage: $17,952.32

If Your Plan for the Perfect Venue Didn’t Pan Out Ideally

  • The wedding venue was scheduled to be open for business just in time for the wedding, but due to incomplete construction, the inauguration date was delayed and the wedding had to be rescheduled. Amount Compensated through Event Cancellation coverage: $17,694.87

  • The ongoing construction for the wedding venue prevented the couple from holding the wedding reception there and in addition to that the venue management refused to return the customer’s deposit. Amount Compensated through Event Cancellation coverage: $6,690.95

  • The venue suffered from severe damages from Gale force winds and the repairs were scheduled for a few months before the wedding. But due to some unforeseen conditions they were pushed back to a few months after the date of the wedding, which disabled the couple from holding their wedding reception there. The couple had to find a new venue for their destination wedding, but was short of finances and costs. Amount Compensated through Extra Expense coverage: $5,050

  • The reception hall closed its doors and went out of business before the wedding. Amount Compensated through Event Cancellation coverage: $5,243.70

  • Reception venue was sold and locked up. Amount Compensated through Event Cancellation coverage: $13,367.38

  • The reception facility cancelled and revoked their venue contract, because their permit was cancelled. The wedding couple had to find and book a new venue from out-of-pocket costs for both the venue and new invitations. Amount Compensated through Extra Expense coverage: $2,378

Dealing With Wedding Vendors Can be Challenging. Be Prepared!

  • Hair and make-up vendors failed to show up at the day of the wedding and didn’t even bother to send the customer’s deposit back. Amount Compensated through Loss of Deposits coverage: $2,320

  • The photography service contacted the customer and stated that he was out of business. He will not be returning the customer’s deposit or attending the wedding ceremony or reception. Amount Compensated through Loss of Deposits coverage: $1,515

  • Bridal dress shop filed bankruptcy before delivering the bridal dresses. Amount Compensated through Loss of Deposits coverage: $1,305

  • The publishing company, from whom the client had ordered his wedding invitations, disappeared with the deposit. Amount Compensated through Loss of Deposits coverage:$1,101.93

Wedding Photos Are Not Exempted From Unforeseen Misfortunes

  • The camera bag of the photographer, which contained several rolls of the wedding pictures and videos, was stolen during the reception. Amount Compensated through Event Cancellation Coverage: $3,000

Will You Need To Repair Your Wedding Dress?

  • A guest accidentally spilled red wine on the wedding dress of the bride. The stain could not be removed by any means and the dress had to be professionally cleaned, after the skirt was repaired and replaced for preservation. Amount Compensated through Wedding Attire coverage: $3,275

You Should Start Thinking About Insuring Your Wedding Gifts Too!

  • The airline company lost the baggage, which contained the wedding attire and the wedding presents. Amount Compensated through Wedding Gifts & Wedding Attire coverage: $4,200

  • Someone stole the wedding gifts from the trunk of the car. Amount Compensated through Wedding Gifts coverage: $1,088

Do You Need To Be Worried About Property Damage And Liability At Your Wedding?

  • Bride and groom held accountable for the carpet damage at the reception. Claim paid by Property Damage coverage: $5,523.81

  • The couple was held accountable for a damaged table top and several other property destruction liabilities. Claim paid by Property Damage coverage: $7,000

  • A wedding guest slipped on the slippery floor and injured himself. Claim paid by liability coverage: $2,500

  • A wedding guest tried to move an antique table and accidentally broke/cracked two legs. Claim paid by Property Damage coverage: $1,865

  • The wedding couple was held accountable for causing damage to a fountain at the reception venue. Claim paid by Property Damage coverage: $1,325.77

While a few of these may sound too good to be true, these wedding insurance policies are actually in place, so avail them to save your life while they are there!

Get a quote today and buy online in under 5 minutes