Wedding Insurance for Asian Weddings

Your parents have been looking forward to your wedding since the day you were born and so when you find your soul mate and feel like the happiest person ever, everyone is ready to celebrate your wedding in style.

But there is one amazing fact – did you know that the average cost of an Asian Wedding in the UK is  £60000!!  …….Yes that right 60 Thousand Pounds!! That cost is just for the wedding and reception, so what about when you add on the Mehndi Night and the Meet & Greet evening and the pre-wedding ceremonies??!!

I have always believed that your wedding should be the most beautiful process that you go through (alongside having a baby!). All your family and friends around you celebrating the start of your new life – you can’t really put a cost on that.  The thing is whilst enjoying this celebratory time it is always good to have a reality check now and again – Money is Money and you and your parents would have worked really hard to build up that budget and so you really need to take care of it and manage it in the right way.

I guess I never thought too much about Wedding Insurance before – in all honesty it didn’t even cross my mind for my own wedding!   But recently I have been thinking about this – we insure our expensive cars, we make sure our pricey wedding rings is covered with insurance and we even insure our £1000 holidays but why on earth did I not manage to insure my wedding, which cost more than all of the above!

I have recently been in touch with Alpen Patel from Commercial Direct.  Alpen sells a wedding insurance plan specifically created for Asian Weddings.  Unlike traditional wedding insurance, Alpen’s plan at Commercial Direct,  covers multiple events over a 90 day period.   This is great, because for a small price you can cover all your events leading up to the wedding.

We asked Alpen some questions to give you more insight into Wedding Insurance.  See his responses below:

Q1 – What is wedding insurance and why should a couple planning an Asian Wedding get it? 

Wedding Insurance provides financial protection in case things do not go to plan on your big day. This includes cancellation and rearrangement of your wedding due to circumstances beyond your control. This policy will give you peace of mind with regards to loss or damage to ceremonial attire, wedding gifts, rings, cars, photography, failure of suppliers and stationery.  With the average Asian wedding insurance costing in excess of £60,000 we recommend that all couples purchase this policy just in case.  Our Product covers up to 5 events over a 90 day period which you would not get from a traditional wedding insurance policy.

Q2 – How easy is it to sign up and get insured? 

Yes it is very easy.  Brides and Grooms can either email a request for quotation or simply give us a call.  The average response time from Commercial Direct is no longer than 2 hours.

Q3 – How much does it cost to insure your wedding?

Policy prices can vary depending on the extent of cover required, these range from £65 to £300.  This is a one off policy and payment.   If the standard policy is not sufficient we can arrange a bespoke offer, please call to discuss your requirements.

Q4 – In what situations would you be able to claim back on insurance? And how far in advance of the wedding will the bride and grooms insurance be applicable? 

Should a supplier fail, a venue become unusable or a member of your immediate family become serious ill (not pre-existing conditions) you will be able to fall back on this policy to provide you with cover for rearrangement or cancellation.

Q5 – Are there different levels of coverage?  And what will the insurance cover if a wedding was cancelled or rescheduled? 

Yes there are varying levels of coverage for either cancelling or rescheduling a wedding.  The plan that you select will determine how much your insurance policy will pay out in an unforeseen event.

Q6 – What information does the Bride and Grooms need to provide to get insured?

The policy requires only basic information about the couple such as:  Names, Address, Date of Birth, and Contact Details.  We also accept non UK Residents where one of the couple is based in the UK.

Q7 – When is the best time for Brides and Grooms to get insured? i.e. When they begin their wedding planning or, after they have booked their suppliers? 

We always recommend that a couple purchases a policy as soon as they book and pay deposits to any wedding suppliers

Q8 – What does the wedding insurance not cover? 

In relation to illness or death of an immediate family member the policy will not cover pre-existing medical conditions. As with any insurance policy it is the customers duty to take care in choosing a wedding supplier.  Insurers will not provide cover if the couple was aware of any potential problems with a wedding supplier.

Hopefully Alpen has managed to clarify a few things about wedding insurance.  It’s the kind of stuff that is not ultra exciting about your wedding, like buying your wedding outfits or finding your perfect wedding venue but you know what – but you’ll get piece of mind and this can really help reduce stress levels – which is always good when planning your wedding!!

If you are interested in purchasing a wedding insurance plan or would just like some more information, contact Alpen Patel at: asianwedding@commercialdirect.co.uk or via phone at 02086582888.

Ways to Save on Your Wedding Costs

If you are on tight budget for your wedding or wish to not spend all your savings on one day 🙂  So read below on how you can save wedding costs and still have a great day without losing that touch of glam.  

Asian Wedding can be very expensive but at the same time there are plenty of ways to save your money.  Budgeting well is very important so keep on top of that.   But in addition to budgeting  this blog highlights some tips on how and where you can save on wedding costs and still have an amazing day!

InvitationsAsian Wedding Invitations and Stationary London UK

The invitation that your guests receive will be the first glimpse of celebration that is yet to come for your wedding.  Although this is the case it will be one of several pieces of stationary that wont stay around for very long… unless your guests are hoarders!!  Lets be realistic here.  How many invitations have you kept over the years.  This is one area I strongly advise not to splurge.  If you do have the desire to buy an exclusive designer invitation perhaps you can buy a few for your close family however for the rest of your guests, perhaps opt for a more simple invitation.

If you are going to be sending invitation via post you may want to get familiar with the Royal Mail Sizing & Pricing Chart.   The larger your invitation by length, depth and weight the more it is going to cost you more to send invitations to your guests.  Keeping to the Letter Size parameters you will save a lot of money especially when you are posting hundreds.  Also send your invited a few weeks early and take advantage of cost savings using second class stamps.

If you want to spend next to nothing on your invites, send e-invites to your guests!  Here are some companies that offer this service:

Greenvelope

Paperless Post

Indian Wedding Card

Flowers

Fresh flowers are beautiful!!  Flowers just make any space look more elegant and during your wedding you may wish to have lots around you! Just remember flowers for weddings are EXPENSIVE! This is one sure way you can save on costs!

Make sure you select a Mandap that doesn’t require flowers on the top! This can save you an additional £600 or so.  There are so many Mandaps with beautiful engraved structures that do not require flowers.

If you would like to use flowers in your decoration, choose more greenery and select flowers that are in season to lower the costs of arrangements.

One look

Go for one look throughout your wedding and reception.  By only having one look you will save a lot.  You will save on the extra cost for hiring a hair & make up artist for your second look, a second expensive dress, jewellery, shoes etc.  This approach can save you approx £2000.   You could make a subtle less expensing change between your wedding and ceremony i.e keep you hair up for the wedding and have it down for the reception.   My friend wore a traditional chanya choli for her wedding and for the evening she removed her chundhri and changed her top and dropped her hair from an up do, to loose and flowey.  It’s was enough to make the look different for the evening and saved money on a brand new dress and accessories!

Reception Decor

Table settings for a reception can really add up! If you have 300 guests at your reception and 10 guests per table, that is 30 tables that you need to decorate.  Table decor does give a great first impression when you walk into the a venue for a fun reception evening, however it is one of things that your guests will also forget very quickly.  Remember most guests will be busy chatting with family friends, watching entertainment on stage and up dancing away on the dance floor.   So this is another place you can save a lot on wedding expenses.  Make the Name Cards, Table Name Cards and Seating Chart your self.  Companies charge a lot of money to do something that you could do very quickly yourself.    I designed my seating chart and got it printed at staples for £25.  It looked sophisticated and did the job!

If you are looking to spend less on table centerpieces avoid fresh flowers or go for a small and simple fresh flower arrangement.  As I mentioned above flowers can increase your costs.  Instead go for a setting that incorporates candles & jewel pieces.

Guests

This is a sensitive topic when planning an indian wedding, but let me be frank.  The more guests you invite, the more the catering, venue and decor costs will be.  To keep costs down and with the exception of your close family and friends, invite different guests to the wedding and reception.  That way you do not have to hire the biggest venue around but everyone on your guest list feels part of the wedding.

Off Season

Get married off season when venue prices, catering costs etc are not at its peak.  Most UK couples want to get married during the summers season June, July and August.  Suppliers raise there prices during this time.  To save money on your overall wedding expenses, get married in May or October.  There may be more chance of rain but unless you are planning an outdoor wedding, remember you will be mostly indoors.

Prosecco v ChampagneWedding Bar Services London UK

Champagne is the sign of a happy celebration, however selecting a good quality champagne for hundreds of people can really make a dent in your  bank balance.   Going for a cheaper champagne is an option – but cheap champagne is really not that great!  In the place of Champagne go for prosecco – It is lighter, sweeter and has all the bubbles you are looking for in champagne 🙂  And more importantly cheaper then champagne!

Wedding Cake

Grand Wedding Cakes can costs almost £1000.   If you are looking for a grand wedding cake but have a small budget, you can ask your baker to make two real layers of cake (the one you are going to cut into) and the rest can be fake.  This will save you can have your big beautiful tiered cake but for half the price.   For my wedding, I had cupcakes as wedding favours.  I noticed at weddings I had been to, that many guests didnt eat the dessert because they were on the dance floor and having drinks.  So giving everyone a cupcake already packaged to take away worked well – and I didn’t  have to buy wedding reception favours either 😉

Mehndi for Your Guests 

The Mehndi night is a great way to start the wedding weekend. It’s an event where everyone relaxes, socializes and has lots of fun. I have been to many of these parties and because I love having mehndi on my hands, I’m usually scouting for the nearest artist as soon as I arrive. However, a lack of planning can sometimes cause this to go down two paths:

  1. Relatively few Mehndi artists are hired for a large crowd of women and so I end up debating on whether to stand in a queue to get the Mehndi or to chat with friends and family. I have to say that waiting in queue at party is really not fun!!
  1. Sometimes it is difficult to locate the Mehndi artist and once I do, there is no one else there which makes me think maybe the artist isn’t that good! I would prefer not to take the risk of getting bad Mehndi since it will be on me for the next 2-3 weeks!

 

So what can you do to improve this process for your guests?

1 – After finding the Mehndi artists you like, ask them how long it will take to do one strip or full hand. Some artists do 3/4 of the hand which is extremely cost effective and can be done on close family members.

2 – Make a list of all women attending your Mehndi night and next to each name write down how much Mehndi you would like them to get. For my wedding only me and my mum had full hands of Mehndi. Close family members had 3/4 hands and everyone else had strips on the front of both hands.

3 – Once you have the above, calculate the time it will take to get everyone’s mehndi i.e. if two strips per person take 10 minutes then multiple 10 by the number of guests having the strips of mehndi on them. This will then help you understand how many artists you will need.

4 – Most Mehndi artists charge by the hour. One artist told me that a lot of time is wasted because there are large gaps between one guest having their Mehndi finished and starting on the next guest. Essentially the bride’s family are paying the artist for doing nothing during this time. Here is how you can tackle this issue to get the most of out of your Mehndi artist. Assign a person at your mehndi party to coordinate when each person gets their mehndi. Give that person your list of names and what each person will be getting done (you can even list the names in order of when you would like them to have mehndi). The coordinator will then let guests know when they are up next so they can sit back, relax and enjoy the party!

I used the 4 points above to plan my guest’s mehndi and it worked extremely well. I had three artists and managed to have all 80 women done in 3 hours. Not only did this approach save me money, but all the guests were enjoying the party and cocktails instead of waiting to have Mehndi put on. Most importantly all the women left the party with gorgeous mehndi for the upcoming wedding 🙂