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Get hitched without a hitch

Get hitched without a hitch

If you’re getting married soon, you know how much there is to think about. While you have venues, dresses, guests, flowers and food to worry about, it’s probably no surprise that many soon-to-be weds aren’t thinking about their home insurance policies.

To make sure you’re covered on (and after) your big day, we’ve collected together some key points for you to consider. Remember, if there are any changes to your circumstances that we’re not made aware of, you may not be covered if you need to make a claim.

Valuables

When it comes to contents cover, it’s really important to have a quick think about whether you now have any single items that are worth more than £2000 – whether it’s your ring, dress, a wedding present or something else. When it comes to valuable items that you haven’t specifically told us about, the most we will be able to pay is £2000 per single possession. You’ll need to contact us if you need to add a specific valuable item to your cover.

Another useful thing to remember is that, if you need to make a claim, we’ll need you to prove any loss. So, we recommend that you keep photographs of your valuables, instruction booklets and a full description of the items– this will make it easier to identify them. We also might ask you to show proof of purchase and evidence of value. If possible, it’s a good idea to keep all relevant documents together and in a safe place.

Hair and make up

It’s only natural that you’ll want to look your very best for the big day. But did you know that, if you have Bronze or Silver cover, you don’t have employer’s liability cover. This means that you aren’t covered for anything that happens to someone working in your home for you. This means it’s important to ensure that anyone helping you get ready for your big day – hairdressers, make-up artists, caterers and wait staff – should have their own insurance that will cover any damage or liability.

Honeymoon

For many couples, the honeymoon is the holiday of a lifetime. It’s a chance to make amazing memories together and decompress after the stress of wedding planning. But, don’t forget to check how many consecutive days your policy allows you leave your home unoccupied for. For Bronze and Silver, the length of time is usually 30 days in a row, while for Gold policy holders it’s 45.

We hope you found this useful – for more information, head to our Help Centre.