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Should you have wedding insurance? | One Fine Day

Should you have wedding insurance?

You’re putting so much time and energy into planning your special day and although we’re here every step of the way with you, we want to help you plan for the unexpected as well.

Insurance will comfort you with peace of mind and help prepare you during this planning process.
But what exactly is wedding insurance—and how does it work?

 

What is Wedding Insurance?

In a nutshell and without using too many “insurance” terms, wedding insurance covers any irrecoverable expenses or deposits should the unexpected happen and the wedding is canceled or postponed.  As well as covering your expenses, wedding insurance could also cover the additional costs in order to avoid a cancellation or postponement.

 

Why get Wedding Insurance?  Isn’t it just an additional cost?

Yes, it’s an additional cost, but with the average New Zealand wedding costing in excess of $40,000, Wedding insurance could be money very well spent.

 

Ok, so how much does Wedding Insurance cost?

Through our preferred supplier, WeddingCover, we have a number of packages available, as well as Honeymoon cover so reach out to us on info@onefineday.co.nz if you’d like more information.

What else is covered with Wedding insurance?
Our policies provide various tiered options and you should choose the correct level of cover based on your wedding costs. The maximum amounts payable under the policy is set out in the policy wording and schedule therefore, you should consider if the insurance is suitable for you and read the policy wording before purchasing this insurance.

+ Photography and Videography: If your professional photographer or video operator lets you down or the film/negatives or video is lost or damaged, insurance will pay for the expenses incurred to retake

+ Failure of Supplier: If a wedding supplier fails to meet their contractual obligations, your policy will pay the non-refundable deposits that you have paid

+ Transport: You will be covered for the irrecoverable costs or additional expense should your contracted vehicle hire firm, or any other person providing wedding transport let you down

+ Hired Equipment: You’ll be covered for the loss or accidental damage to hired equipment including marquees, tents, gazebos, chairs, tables, furniture or lighting equipment hired during the wedding period

+ Public Liability: Insurance will cover the bride and groom, the immediate family or attendants up to $5,000,000 in respect of your legal liability arising from accidental injury to third parties or accidental loss of or damage to third party property.  The policy will also pay for legal costs and expenses in defending any claim in respect to injury, loss or damage

+ Honeymoon: You’ll be covered if your pre-booked honeymoon is not taken as a direct result of your wedding being canceled

+ Weather: The policy covers a loss caused directly or indirectly if weather conditions are so extreme as to prevent you or your immediate family or active participant(s) from taking part in the wedding or more than half of the guests from reaching the wedding, or which renders the venue unusable or unsafe.

+ Death, Injury or Illness:  The policy will cover a loss if the wedding is canceled or postponed due to a death, injury or illness to either the wedding couple or an immediate family member

 

When can I purchase Wedding Insurance?

It is always recommended to put in place your wedding policy as soon as you start to plan your wedding, however, cover can be purchased no sooner than 30 days and no more than 18 months prior to the date of the wedding

We want the planning process to be as smooth and enjoyable as possible so if you’d like to find out more about Wedding insurance drop us email info@onefineday.co.nz

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