Why wouldn’t you take out wedding insurance?  

It pains us that there would ever be an instance or reason to recommend that a couple did not take out wedding insurance for their big day.

It pains us more to have to list out some of those reasons.

Our job is to provide wedding insurance – insurance for Australian weddings – for all those things that can go wrong.

Wedding cancellation, lost rings, stolen gifts and in particular, wedding supplier failure.

We’re not in the business of uninsured weddings.

You can’t have them all, so let’s explore why wedding insurance might not be right for you.

You may not need wedding insurance if you choose to just elope

The stuff of teenage sweethearts and shotgun weddings, if your plan – short as they might be – is to elope, get married in a wedding registry without parental consent and run into the sunset, your need for cover might be sufficiently low that eloping without wedding insurance is something you would consider.

This is not to say there couldn’t be costs worth considering.

Marrying in a wedding registry is still an official act.

If you need to cancel or postpone, there might be costs, including the need for counselling.

If rings or attire were part of your plans, these could be lost or damaged; wedding insurance would cover this.

Though, let’s go with the eloping we’ve all seen on TV: You sneak out the bedroom window, marry late at night in the office of a chaplain, and catch the last train out of town.

In this instance, we forgive you. Have fun!

You may not need wedding insurance if you intend to have a very, very small wedding without any bells (or rings!)

Wedding insurance is inexpensive though it is still a cost.

Like all types of insurance, you consider it after weighing up the risks, options, and what is tolerable to you.

Plenty of people will have a tiny affair with no bells or whistles.

Because saying I do to the person in your life is the point, not the metre-high wedding cake.

Mum and Dad’s backyard, your Sunday best, some drinks on the porch afterwards?

Look, if rings and suppliers are involved, a risk exists.

However, suppose you are adamant about making this as small as possible. In that case, there are no rings, no flowers, a celebrant friend, a brother who owns a camera, and grandma’s wedding band – possibly, wedding insurance won’t cover much.

Have the best day; you’ve skipped a lot of stress, and Mum’s cake will be just as good.

Our wedding insurance policies do not cover overseas weddings

At Wedsure, we don’t insure overseas weddings.

Once you’re in—or over—international waters, our wedding insurance policies will not cover any losses or issues with your wedding.

This is general advice, though consider travel insurance and possibly a local wedding insurer. Ensure that you read the PDS to make sure you and your cover needs are indeed covered.

Our wedding insurance policy can’t help if you’ve left it too late.

We dislike this one because often, wedding insurance is taken out too late.

Typically, in Australia, couples start planning their wedding 22 months out, though they only meet their celebrant nine months out.
Often, your celebrant gives you a countdown checklist, and there is wedding insurance halfway down the list. Something you were probably unaware of until then and something – like so many insurances – you’ll put off researching and buying until late in the piece.

As the costs mount towards the final day—and weddings are famous for hidden late costs—you’re becoming more aware of your exposure. However, there are 89 days until your wedding, and so we can’t cover you with wedding insurance.
You must take out wedding insurance no later than 30 days from the date of the wedding and unfortunately, there is no wriggle room with this.

Ideally—and we really mean this—you take it out before paying a single supplier, so all payments, deposits, and contracts are covered from the outset.

You may not need wedding insurance if you have a rich uncle covering the cost no matter what.

Look, we could argue with this one.

However, if you have a rich uncle or benefactor who will cover all the costs, including your dress, rings, lost presents, and their replacement cost, well, go you.

It’s a unique place to be, though power to you.

Of course, if the dear uncle is paying for the venue and catering, though not the wedding rings and so forth, you’d be advised to take out a wedding insurance policy that covers your exposure as a couple.

But in that circumstance where money is no object, godspeed – have a great night!

Otherwise, you need wedding insurance.

Wedding insurance covers your special day from risks and out-of-pocket costs. If wedding cancellation or supplier failure would meaningfully impact your back pocket, wedding insurance is for you.