insurance wedding - protect your big day

Find out why insurancewedding might be a good idea.
how does it work
Check out my tips onhow to prepare and plan your wedding

With the 1.8 billion singles planning on proposing to their loved ones each year there's a lot of money being saved for future weddings. At an average of £18,000 per celebration - a huge sum of money to splash around - make sure you protect your wedding funds properly. In comparison to the spiralling costs of the ceremony itself insurance can be fairly cheap, so it could be worth spending that little bit extra for peace of mind.

Do you need it?Insurance may not be the first thing that springs to mind when planning your wedding but things can go wrong on your special day. It is a good idea to get some protection. Here are the top five reasons why couples claim on insurance wedding from leading wedding insurers.

Damage to clothing including wedding dress and jewellery
Cancellation of the wedding
Problems with the venue
Problems with suppliers e.g. caterers
Loss of, or damage to, photographs

Insurance wedding ensures that if any mishaps or unforeseen circumstances occur (except for the bridge or groom getting cold feet and running out on the day - God forbid!) you won’t have to lose money and see the whole wedding go down the drain.

How does it work?

As with most insurance policies, there are various levels of cover which increase in price depending on how much protection you want. All levels of cover tend to protect the same things i.e. cancellation and rearrangement fees, wedding attire, cake, gifts, photography/video, flowers and suppliers deposits.
It's a good idea to sit down and work out exactly what you would like your insurance to cover then shop around to see what suits your needs. Here is a list of some of the major insurance providers and their cover policies:

Marks & Spencer
Four tiers of cover.

Prices: £59 to £189.
Unavoidable cancellation: They will pay up to £5,000 for the lowest tier and £17,500 for the highest tier.
Rearrangement: They pay up to 75% of the cost of the original service.

Debenhams
Four tiers of cover (Gold, Platinum, Diamond and Diamond Plus).
Prices: £55 to £330.
Unavoidable cancellation: They pay up to £9,000 for the lowest tier and up to £70,000 for the highest tier.
Rearrangement: They pay up to 75% of the original cost of the service.

Ecclesiastical
Four tiers of cover.
Prices: £48 to £160.
Unavoidable cancellation: They pay up to £5,000 for the lowest tier and up to £24,000 for the highest tier.
Rearrangement: They pay up to 50% of the cost of the original service.

Greenbee (John Lewis Partnership)
Twelve tiers of cover
Prices: £46.34 to £355.22
Unavoidable cancellation: They pay up to £5,000 for the lowest tier and up to £50,000 for the highest tier.
Rearrangement: They pay up to 75% on the lowest tier and 60% on the others.

DON'T FORGET that formost claims, e.g. for damaged/stolen wedding gifts, flowers and photographs, you will have to pay an excess which means that you'll have to pay a certain amount of money towards any claim. For example at Debenhams the Gold and Platinum tiers do not cover the first £25 and both Diamond tiers do not cover the first £50. Also do check the policy thoroughly for any other exclusions.

Get the best deal

Obviously the bigger and more expensive your wedding is, the higher the level of cover you will need. The pricier cover levels will pay out more money if something goes wrong so it's not worth buying an expensive policy that pays out more than you need it to. At the same time it may be better to spend a little extra on a higher cover level so that if anything unfortunate happens the insurance policy actually makes a difference when it comes to paying for any damage.

Best for basic cover:

Unlike most insurers Marks & Spencer DO NOT expect you to pay an excess so you will not have to put any money towards any claims. This is really fantastic, if for example your wedding gifts are lost or damaged, because with other policies you would have to pay towards each claim. They will pay for these presents for up to seven days prior to the wedding and 24 hours after the reception.

Best for weddings abroad:

Both Debenhams and Greenbee provide their insurance for a wedding abroad. However Marks & Spencer and Ecclesiastical only cover weddings in Great Britain, including the Channel Islands and Isle of Man.

Best for extensive cover:

Debenhams' Diamond Platinum cover certainly isn't cheap at £330 but it does pay up to £20,000 more for cancellation than Greenbee's highest cover (level 12) which actually costs more at £355.22. However don't forget that this isn't good for a small, cheaper wedding.

Best for choice:

Greenbee have a massive 12 levels of cover compared to the measly four options from the other insurers we looked at. This may make it easier for you to find a level of cover to suit your budget and give you the protection you want.

Discounts and offers:

Make sure you check regularly for discounts and special offers. Debenhams currently have a 10% online discount. Also, if you create your wedding list with them, they will provide you with cover for those gifts for three months (one month before the wedding and two months after

Other options

As long as you can afford to pay it off, use your credit card to pay your suppliers and ask your guests to buy their gifts on credit card, too. This will mean that as long as you've spent over £100 you will be able to claim back money from the credit card company.
Get protection for your wedding with your home insurance. Direct Line automatically increase their home insurance contents for special occasions so that any items for the big day, like your wedding dress, jewellery and gifts before and after the wedding, are protected in your house. Direct Line will automatically increase your contents insurance by either £5,000 or 10% of the contents sum insured (whichever is greatest), for four weeks either side of the wedding.
There are other home insurance providers who have similar policies to cover special occasions, like Christmas and weddings, so for more information see our article on home contents insurance and check our home insurance comparison table.

Getting Married in Ohio - Ideas for Planning a Wedding in Ohio

If you are planning a wedding or special event in Ohio, you have made a good choice and there are many Ohio wedding sites and event venues or locations to choose from. If you are getting married in Ohio you can also plan your shower or rehearsal dinner in one of the many nicely appointed conference rooms. What's more you can plan your wedding in the heart of the city without hustle and bustle complicating your dream day. Read on and check out our ideas and tips to make your wedding both spectacular and fantastic.

Professional photography, video, graphic, print, and web design services, plus unique wedding photography and video packages are all available to those planning their special day in Ohio. Professional photos aren't cheap because you really do need a top photographer to work the magic which will bring you truly memorable images of you day. It pays to invest though,the money that you spend on these photographs will strengthen family bonds, enhance happy memories, and capture the fleeting moments of childhood in you youngest guests.

Ohio has some great shops specializing in traditional, personalized, and unique wedding favors, flower girl baskets, unity candles, etc.

Order beautiful flower arrangements for your wedding which show off the latest floral trends. Beautiful flower arrangements from the top florists in the area are renowned for showing off the latest floral trends.

Some Ohio wedding function providers will offer free honeymoon giveaways, and much more. One hotel that is highly rated for its wedding functions provides a free pre-reception questionnaire allowing you to define very clearly exactly what you seek in your wedding. Once the organisers receive this they then are able to come back to you with their ideas to match your needs very closely. This, and a detailed phone consultation, allows you to customize your reception or event music choices well ahead of the day.


Take care to select your reception entertainment carefully. Your DJ for example can work wonders toward making your wedding fun and keeping everyone on the dance floor. Choose a DJ for his ability to adapt to the likes of the guests, and they will thank you again, and again, for making the wedding day so good.

A truly creative wedding coordinator will also be a great investment and help you every step of the way. A professional wedding arranger can make your wedding day an experience to remember

One DJ we know works the event with a clever selection of novelty music and old dance standards to bring the Disco through the evening to a climax when all are drawn in. The guests gather around as the couple dance to "their" song, and old and young couples then gain the opportunity to fill the floor for some final romantic ballads before the bride and groom are dramatically whisked away in their limousine to start their honeymoon. A good master of ceremonies or band leader will be really good at asking your parents, your fiance's parents and the rest of the wedding party to join in. For the evening to go well it is always best if as many people as possible will be staying overnight in the hotel. To entice them to stay, the quality of the guest accommodation is very important. Let all your guests know where you have rooms blocked, and tell them well in advance, before they have made other arrangements for that day.

Bar timings are important too and the DJ will need to understand your alcohol policy.


Prices from your entertainer or DJ may vary slightly from his or her quote because of equipment costs, music library, lighting equipment and what the hotel is willing to provide. In Ohio it has been reported that the average price range for a DJ is $700.00 up to $1,400.00 for a 4 hr set.

Some hoteliers are very keen to attract your wedding event, and one was recently offering an exclusive Photo-Video CD-DVD provided for you to view your wedding photographs while still relaxing on your honeymoon. A search for the Cleveland wedding photography website at would allow you to view their offer. They say that they have an unpretentious documentary style. It might be just right for you.



One wedding host which is bang up to date provides a video booth during the reception, where guests may record their anecdotes about the bride and groom. Ask your wedding party ahead of time if anyone would like to speak, or record their piece like this. Since it's a casual event, the more reticent who would be too timid to speak, can still share some fun stories about the bride and groom without all the pressure of speaking at the wedding.

One wedding host which is bang up to date provides a video booth during the reception, where guests may record their anecdotes about the bride and groom. Ask your wedding party ahead of time if anyone would like to speak, or record their piece like this. Since it's a casual event, the more reticent who would be too timid to speak, can still share some fun stories about the bride and groom without all the pressure of speaking at the wedding.

A well known service is provided by Ohio Wedding Chapels. Their services are perfect to give you a memorable event to cherish forever. Ohio Wedding Chapels promise that they won't fail to cast their magical charm on the two of you as you stand on your new threshold of life. If this wedding will be the second or third time around it is likely that a church wedding is not for you, and a chapel alternative may then be the perfect option.

A well known service is provided by Ohio Wedding Chapels. Their services are perfect to give you a memorable event to cherish forever. Ohio Wedding Chapels promise that they won't fail to cast their magical charm on the two of you as you stand on your new threshold of life. If this wedding will be the second or third time around it is likely that a church wedding is not for you, and a chapel alternative may then be the perfect option.


Choose a good tasting cake and it makes a statement about your skill as a hostess. The wedding cake demonstrates that you honor tradition.
Our friends the Bayles were married just six months and one day after they met. For their wedding, they decided to decorate their own cake in a manner that would have the most meaning for them. Now, while it is true that the result was far from professional looking, it was a good idea and every one of the guests did make a point of admiring it in a way they would never have done for a more accomplished professional cake.

Whatever happens when you choose an Ohio wedding choosing the venue the menu, seating layouts, photographer, videographer, and DJ should always be a pleasant experience. Remember, the entertainment you choose will make the reception memorable, and your photos and video are memories of your wedding day that will outlast everything else when your day is over.

Flowers to women

Flowers are known for its beauty and fragrance. It's very popular among women. They usually appreciate it as a gift for them. Flowers are a compliment to a lady, the way of saying that a man finds her feminine. It has importance in any love story even in a wedding we need flowers. So if you are willing to gift flowers to you love ten you should keep in mind some points.

It is not important to gift huge bouquets in the shape of a heart or delicate tulips to show your attention. All you need is to touch your sweetheart' heart and you can do it by giving her even a single rose.

If you are not interested to give your girl a flower and your date really longs for it. You should recognize the sign of their willing. A woman can act much more delicately than to ask straightforward. For example, when you pass by a flower shop, halt for a while and after going some way away from it; say that you think the most beautiful flowers are (name).

If she is telling you that how much she loves flowers. You don't need to suddenly rush for the flowers to show how much you love her or how much you care, you can just do it after your office is over or you are planning for date on weekend. Date will be best time to gift her some roses or the flowers of her choice.

If she doesn't like flowers completely, send her a lovely card, or a box of sweets. It will really show her your love and care and these sweet memories will warm her heart for a long while

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