Why wedding insurance is a must

planning advice

Mar 9

This is not the time to leave anything to chance. Wedding insurance offers the reassurance that should something go wrong your time, money, hopes and dreams are protected….somewhat! Full disclosure: wedding insurance is not what it used to be and particularly for destination weddings full cover is harder to find!

Why do you need insurance?

If a supplier can’t attend at the last minute. Perhaps they’re sick and can’t find a replacement, you would need to find one and this could cost you more than your previously allocated spend
If a guest damages something - you are liable for your venue and suppliers equipment on the most part. If a guest or yourselves caused major damage this would fall to you to pay
If the wedding is cancelled due to illness

Which one to choose?

An obvious one, but firstly check whether the country you are coming from actually offers insurance in Italy, Covid did change a lot of policies so much so that many couples opt for no insurance, but for the sake of £100-200 we think it’s worth doing.

Wedsure
Wedinsure
Wedding plan
Dreamsaver
Money supermarket also offers a overseas wedding insurance search option

*the list above is a range of options recommended by other couples and are not endorsed by La Lista.

No insurance?

Many opt for no insurance and if this is the route you will take then check the following are water tight….

Venue contract (clauses on cancelling from either side)
Supplier contracts (their policy on replacement suppliers if they can’t attend, notice period on cancelling - for both sides, refund policy if cancelled, refund policy if clauses agreed contract isn’t fulfilled i.e. if the supplier doesn’t do what the contact says they’re going to do)
Travel insurance

Other insurance to consider

Travel insurance - covers the travel aspect for you, as well as travelling with cash
Gadget insurance - obvious but we’re taking laptops, iPads, phones everywhere these days. Make sure they’re covered for loss, damage or theft
Car insurance - you can get insurance that covers hire cars for 12 months so you don’t have that awkward moment at the car check out where they’re trying to get you to add on extras. What you’re searching for is ‘car hire excess insurance’; this means if you have an accident you’re not liable for the 1,000-2,000 euro as standard
Robust contracts - nothing can replace a contract that details the clauses of cancellation or extremities like your venue flooding and not being able to host your wedding. Contracts should state your refunds in these circumstances
Paying through a secure bank platform like PayPal or Wise. All transactions are tracked and covered and can be recalled. Wise is recommended by La Lista - use our referral code for a cheeky free first transfer up to £1,000 (or equivalent in your currency)
Venue and suppliers you use should all have liability insurance for themselves and their teams. To include any damage they may cause to people or property. This is an important aspect to check in all their contracts

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