{"id":33498,"date":"2015-11-11T05:23:20","date_gmt":"2015-11-10T18:23:20","guid":{"rendered":"https:\/\/content.easyweddings.com\/au\/articles\/wedding-insurance-need\/"},"modified":"2024-01-30T11:11:45","modified_gmt":"2024-01-30T00:11:45","slug":"wedding-insurance-need","status":"publish","type":"au-article","link":"https:\/\/www.easyweddings.com.au\/articles\/wedding-insurance-need\/","title":{"rendered":"Wedding insurance: what is it and do I need it?"},"content":{"rendered":"<p class=\"lead\"><img decoding=\"async\" class=\" size-full wp-image-56470 aligncenter\" src=\"https:\/\/content.easyweddings.com\/wp-content\/uploads\/2021\/10\/Wedding-insurance-what-is-it1.jpg\" alt=\"Wedding-insurance-what-is-it\" width=\"600\" height=\"600\" title=\"\"><\/p>\n<p class=\"lead\">Weddings are a wonderful exercise in whimsy and romance, as creativity and vision come to the fore to deliver your dream day. But in amidst the emotion of this grandest of celebrations, there\u2019s an important practical consideration \u2013 and that\u2019s money.<\/p>\n<p>A typical wedding in Australia these days costs an average of $36,200 and, realistically, in any other part of your life, you wouldn\u2019t likely dive into an investment of that\u00a0magnitude without covering your back, so it makes sense that more and more people are doing just that with <a href=\"http:\/\/weddinginsurance.com.au\" target=\"_blank\" rel=\"noopener nofollow\">wedding insurance.<\/a><\/p>\n<p>So what is wedding insurance?<\/p>\n<p>As the name suggests, wedding insurance looks to protect any money you invest in a wedding that doesn\u2019t go according to plan because there are unexpected hiccups or you need to cancel or reschedule. We\u2019re talking everything from vendor troubles and marquee hire to furniture rental, personal liabilities or family tragedy.<\/p>\n<p>Here are some examples of the kind of situation that can arise.<\/p>\n<ul>\n<li>Everything is booked and you\u2019re all set &#8211; at least until a member of your immediate family is hospitalised. You can\u2019t imagine getting married without them, so you decide to cancel and reschedule a month down the track.<\/li>\n<\/ul>\n<ul>\n<li>Your celebration is only a week away when your florist calls because she\u2019s had an emergency and can\u2019t do your flowers any more. This leaves you with a double dilemma. Not only do you have to find a replacement, you may also be faced with spending more than you budgeted because the order is so last-minute.<\/li>\n<\/ul>\n<ul>\n<li>The day has been wonderful, and the celebrations are drawing to a close. Then one of your friends manages to trip into the side of marquee, tearing a hole in it. The venue must then charge\u00a0you $1000 to repair the damage. Gulp.<\/li>\n<\/ul>\n<p>In all of these situations, <a href=\"https:\/\/www.dreamweddinginsurance.com\/?utm_source=EasyWeddings&amp;utm_medium=Article&amp;utm_campaign=Wedding101\" target=\"_blank\" rel=\"noopener nofollow\">wedding insurance<\/a>\u00a0could cover the extra costs, meaning you\u2019ll be reimbursed depending on what your particular wedding insurance plan covers.<\/p>\n<p>So, when do you need to take out wedding insurance? The best advice would be to do it as soon as you\u2019ve picked your date, to ensure you\u2019re covered from the get go. But specifically, policies can normally be taken out anywhere from 18 months to 30 days in advance.<\/p>\n<p><img decoding=\"async\" class=\" size-full wp-image-56469 aligncenter\" src=\"https:\/\/content.easyweddings.com\/wp-content\/uploads\/2021\/10\/wedding-insurance-do-I-need-it1.jpg\" alt=\"wedding-insurance-do-I-need-it\" width=\"600\" height=\"600\" title=\"\"><\/p>\n<p>Here are some of the things that are typically covered by most <a href=\"http:\/\/weddinginsurance.com.au\" target=\"_blank\" rel=\"noopener nofollow\">wedding insurance<\/a>\u00a0policies but, obviously, that varies depending on the vendor:<\/p>\n<ul>\n<li>Cancellation;<\/li>\n<li>Rescheduling;<\/li>\n<li>Supplier failure;<\/li>\n<li>Marquee and equipment damage;<\/li>\n<li>Weddings rings;<\/li>\n<li>Wedding gifts;<\/li>\n<li>Wedding attire;<\/li>\n<li>Wedding transport; and<\/li>\n<li>Personal liability<\/li>\n<\/ul>\n<p>On top of these you\u2019ll also be covered in situations where, for example, the bride or groom gets sick or severe weather impacts the day.<\/p>\n<p>Also note that policies can be taken for civil partnership or commitment ceremonies for same-sex couples.<\/p>\n<p>Here are some other things to consider when looking for <a href=\"http:\/\/weddinginsurance.com.au\" target=\"_blank\" rel=\"noopener nofollow\">wedding insurance providers<\/a>, bearing in mind you should always read the product disclosure statement, just as you would with any financial product.<\/p>\n<ul>\n<li>You need to understand what\u2019s not covered. For example, if one of you cancels the wedding because of cold feet, you will have to bear those costs yourself. Also, if your reception is on a different day to your ceremony, it will not be covered.<\/li>\n<li>You need to look at who the coverage extends to. For example, a policy will often include immediate family members such as your parents, given they often pay deposits and costs for vendors and venues.<\/li>\n<li>You need to understand when claims can kick in. For example, you will be covered for your deposits should the wedding be cancelled, but only if this happens 30 days after you buy it.<\/li>\n<\/ul>\n<p>In short, the idea behind <a href=\"http:\/\/weddinginsurance.com.au\" target=\"_blank\" rel=\"noopener nofollow\">wedding insurance<\/a> is simple. Research your policy, make sure you\u2019re fully protected and then enjoy your wedding day knowing that if things go wrong, you\u2019re, most likely, covered.<\/p>\n<p>And, hopefully, you won\u2019t have to think about it again!<\/p>\n\n","protected":false},"author":1,"featured_media":33499,"template":"","au_article_tag":[121,122,120],"class_list":["post-33498","au-article","type-au-article","status-publish","has-post-thumbnail","hentry","au_article_category-weddingservices","au_article_tag-disasters","au_article_tag-same-sex","au_article_tag-wedding-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.easyweddings.com.au\/wp-json\/wp\/v2\/au-article\/33498"}],"collection":[{"href":"https:\/\/www.easyweddings.com.au\/wp-json\/wp\/v2\/au-article"}],"about":[{"href":"https:\/\/www.easyweddings.com.au\/wp-json\/wp\/v2\/types\/au-article"}],"author":[{"embeddable":true,"href":"https:\/\/www.easyweddings.com.au\/wp-json\/wp\/v2\/users\/1"}],"version-history":[{"count":2,"href":"https:\/\/www.easyweddings.com.au\/wp-json\/wp\/v2\/au-article\/33498\/revisions"}],"predecessor-version":[{"id":289520,"href":"https:\/\/www.easyweddings.com.au\/wp-json\/wp\/v2\/au-article\/33498\/revisions\/289520"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.easyweddings.com.au\/wp-json\/wp\/v2\/media\/33499"}],"wp:attachment":[{"href":"https:\/\/www.easyweddings.com.au\/wp-json\/wp\/v2\/media?parent=33498"}],"wp:term":[{"taxonomy":"au_article_tag","embeddable":true,"href":"https:\/\/www.easyweddings.com.au\/wp-json\/wp\/v2\/au_article_tag?post=33498"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}