What does wedding insurance cover?

IS IT WORTH INSURING YOUR BIG DAY AGAINST A DISASTER? LARA OWEN GETS SOME EXPERT ADVICE

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PLANNING a wedding can be one of the most exciting - and expensive - milestones in life.

Wedding insurance is designed to safeguard you against any disasters. “Wedding insurance typically covers unexpected events that can disrupt or cancel your big day,” says accountant and personal finance writer at Best Money, David Kindness.

“That includes a venue shutting down, a vendor failing to show up, bad weather that makes the event impossible, or sudden illness or injury affecting key people. It can also cover lost or damaged wedding items like attire, rings or gifts.”

However, not every mishap is claimable. “What it usually doesn’t cover is a change of heart,” says David, “if one partner decides not to go through with the wedding, the policy won't pay out.

“Pre-existing conditions or travel restrictions due to things like pandemics may also be excluded unless the policy explicitly states otherwise.”