ESSEX WEDDING INSURANCE

If you are anything like me, then you will probably baulk at the idea of most forms of insurance. I tend to protect just what is necessary - life cover against the mortgage, travel insurance, home & contents and of course, motor insurance.

That said, planning a wedding involves one hell of a lot of money. From the time you make your first enquiries, you'll be shelling out cash - and it's worth adding a little extra to your budget, to get some decent wedding insurance. Buy carefully though. I've listed some thoughts below, which explain how we chose our insurance:

• Rather than blanket cover, it can be nice to pick and choose exactly what elements you'd like to cover. Ecclesiastial Insurance does just that - and in fact, is who we chose for our insurance. For around £45, we have protected pretty much everything necessary.
• The beauty of choosing which elements of cover you want, is that you can make sure you do not over insure.
• When selecting your amounts for the various areas of the wedding, again, do not over insure. For instance, do not cover photographer failure as an individual item, and include it in the overall insurance amount.
• If you are paying for things by credit card, then you are protected against supplier failure anyway - so it makes sense to use the credit card as much as possible - but try to clear the balance quickly, using a loan if you are taking one out.
• There may be elements of the insurance proposal that are already covered by your home insurance. For instance, if you live together, then your wedding rings will most likely be covered by your existing home insurance - do check to make sure.
• There are other insurance elements that are important to cover against - what if your photographer discovers his digital camera was broken, and has no images for you. Insurance can pay for most of what is required to re-pose the wedding shots.
• Be sure to insure at the start of the wedding process. Not only will you likely fend off price hikes, but you will then be covered all the way up to the wedding.
• And make sure you insure your honeymoon too, if you plan on taking one.