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.