Wedding Insurance – Is it worth it ?
We are living in unusual times
Hello there, David here from www.davidpurslow.com
This post (although at the top of my blog today) is posted in the For Brides Section, this section of the site is not for selling my wedding services or anything like that, its just a bunch of posts about stuff I think would benefit potential brides.
So wedding insurance – whats it for, what does it cover and is it worth taking out ?
A couple of years ago if you had asked me that question I would have said ‘you dont need that’ – I have been a wedding photographer for well over 10 years now and until late last year I had never come across a bride personally or a bride of a fellow photographers that has had a major problem with the planning of their wedding.
Then around June or July last year while talking a a very good friend of mine from Scotland, an amazing wedding photographer called Nikki McLeod she happens to mention that a couple of very big venues up that way had either closed or changed hands – Some of the brides had not found out about this till a week or so before they were expecting to get married. Lucky enough for Nikki this did not affect any of her couples but it did affect other photographers she knows. Nikki and I got into a long discussion about wedding insurance and the pro’s and con’s of it.
I didn’t think too much of it till mid March this year when I visited a wedding fair after moving to The West Midlands – I wanted to check out who would be my local completion. At the wedding fair there were several companies selling wedding insurance so I asked what it covered and was surprised that it actually sounds like you get very good coverage for a very little cost up front.
In the last 6 months I personally have known of a very upmarket wedding dress shop closing its doors, a wedding car hire business shutting down and several smaller wedding related business folding. Whilst none of these would have the impact on your day as a venue folding each has the potential to totally ruin your wedding if your not covered.
I would like to point out at this point – I am not selling wedding insurance, I dont have any affiliations to anyone selling wedding insurance and I am not suggesting you take it out – however if I were getting married again I (especially while the UK economy is the way it is) I would take it out in a heart beat.
In recent years my profession, Wedding Photography has been a bit of a boom business in terms of growth with many many people joining the ranks of the ‘wedding photographer circuit’ – However with the recent dip in the economy there has been an almighty boom with the number of ‘Part Time Wedding Photographer’ who have joined the ranks. This has caused a few major problems for brides as most part timers are uninsured (I carry full public Liability insurance as well as professional indemnity insurance) – In any given year I normally get 2 – 3 frantic calls from brides asking if I am available at very short notice because ‘my photographer has let me down’ – in 2010 I have had 6 of these calls already.
I did a very quick search on Google for ‘wedding insurance comparison’ and the first site I pulled up was http://www.compareweddinginsurance.org.uk/ and thats where I got my information from
Prices range from a mere £18.99 to a staggering £318.00 and give you all sorts of different levels of coverage. As a full time wedding photographer I was happy to see that the lowest price they had factored in for professional wedding photography was £1200.00 This should be a good indication of what you should be expecting to pay for your wedding photography and what the insurance industry see’s as the lowest price a professional photographer should be charging.
There are many other sites, many other companies offering wedding insurance and I would take half an hour to Google, Bing, Yahoo ‘wedding insurance’ & ‘wedding insurance comparisons’ it could just be the best £20.00 you spend on your wedding.
Whilst you can always wear a different dress, get uncle Bob to take your photos, have uncle Phil drive you to the church and have aunt Nikki knock you up a buffet without spoiling your wedding, if your wedding venue goes bump and you cant find another licensed and approved wedding venue you could be in deep doo doo.
I dont want to panic anyone but I felt that this is quite an important topic to blog about,
Take care, hope your wedding plans are going great,
Birmingham, The West Midlands, Worcestershire
Phone: 01299 250114
Mobile: 0759 007 6666
Email me at David@davidpurslow.com