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 😉

Wedding Favours – With a Humbling Twist

Planning your wedding is a massive task and so when it comes to providing the obligatory wedding favours for your reception it can be a quick decision without much thought – if it is a quick thought it is usually some form of chocolate in a box!  But when you think about it, there are a few hundred people at the reception and the favours will typically cost £1-£2.  So lets say you have 300 people at the reception and the favours cost £1.50 – that’s £450!!  Now, that’s not a lot of money when compared to the cost of the whole reception (which can be 10s of 1000s!) but when you think about it, for something most people kind of look at, make a quick comment about and then never think about ever again – that’s a lot of money!  So if you don’t have a unique, quality favour it is worth spending the money in a useful way – anyone can munch some chocolates whenever they want and when you have a full on 3 course Indian meal with wedding cake, most people don’t even eat the chocolates – in fact for most guys they just end up in your pocket and the dry cleaner gets annoyed when you forget to take them out!I went to a wedding reception recently, which had such a great idea for a favour.  When I sat at the table there was smart looking envelope in front of me.  I opened it and inside was small card saying something along the lines of “In lieu of the traditional favours a donation has been made on your behalf to Cancer Research UK to celebrate today’s wedding”.  I thought this was amazing!We all spend a lot of money on our weddings and that is a testament to hard work and sensible saving plans!  But the thing is – in the grand scheme of the world we are amazingly fortunate to have events like this – where we can easily spend a few hundred pounds on favours without much thought.  We were sitting there eating and drinking in a lavish venue and I thought this was a lovely favour and the charitable nature just made the whole event more humbling – a thought had gone out to other people, who may be struggling in life.   This was a favour I have not forgotten, like I have done for many others.Now you might be thinking – what favours did I have at my wedding….well yes – they were chocolates in a box!  In retrospect I wish had a favour with a charitable nature but the thought just did not cross my mind in the manic of planning a wedding – so I just wanted to throw this idea out there, so unlike me – it does enter your mind so you can at least consider it if you haven’t found a brilliant favour you really want or are about to select one for the sake of it!

Visit the Cancer Research Wedding Favours page for more information: Cancer Research Wedding Favours

 

The Wedding Cake

Without a doubt the wedding cake is one of the stars at the reception.  SO the question is, do you choose cake or fake?  Some of you may be scratching your head right now wondering what I am on about.  There are three major issues when it comes to cakes at the reception:

Cost – To be fair this is a major issue for everything involved in a wedding

Cake Pieces – Someone needs to cut the large wedding cake into 200+ pieces and then dish them out.

Timing – By the time the cake is being served at the reception, most guests are more interested in dancing, partying and drinking than having cake.  In most receptions 50% of desserts normally go to waste and then if you have cakes on top of this, there is only going to be more wastage!Indian Wedding Cake Wedding Planning

SO here are two potential solutions:

  1. Get a fake cake – Many wedding cake companies will give you an option of having some tiers of real cake i.e. the bit that you cut into at your reception and the rest made of foam that is decorated to look like a cake – and normally it’s impossible to tell the difference!! This is a great option for those on a budget who want to lower the cost of their wedding cake but still want that 5-10 tiers for a dramatics and elegant look!
  1. Tiered Cupcakes – Consider having cupcakes on a tiered tray! This is what I had for my wedding.  No cutting was required, there was no mess or wastage, and people could easily take it home, it looked awesome (something different to the norm!) and it was cheaper than a conventional cake!
  1. Cupcakes to go – My sister had cupcake favours instead of a wedding cake. Dessert was included with dinner so a wedding cake would have been too much for the guests.  Guests were able to take the cake home to enjoy with their afternoon tea the next day! – lots of great feedback on this one!

The other thing to remember is that everyone has specific dietary requirements and a big one in the Indian community is ‘no eggs’!!  Consider eggless cakes at your wedding to cater for these people, who are often forgotten.  Maybe you can even do some eggless cupcakes and some not but in all honesty when I went to our cake tasting I thought the eggless ones tasted better!!  So make sure you do a tasting too…and gym after of course!