You’ve got Your Wedding Dress, Wedding Cake and Wedding Ring Sorted, but what about the Wedding Insurance?

The recent wedding announcement by Prince William and Kate Middleton will doubtlessly inspire thousands of young lovers throughout the UK to take their marriage vows. But should anything go wrong, those without wedding insurance could be in for a bad credit shock.

“With so many parts of a wedding to arrange before the big day, wedding insurance is going to be one of the last things on a brides mind, many might not even have considered it”, stated Andrew James, spokesperson for Bad Credit Loans 4 You, a UK finance specialist at sourcing wedding loans http://bad-credit-loans-4-you.co.uk/wedding-loans-for-people-with-bad-credit.html

“But if there is a hiccup, then it would save any financial panic or reduce the need of further bad credit wedding loans.”

Wedding insurance can provide a safeguard against any unexpected disasters such as a flooded church hall or the catering company going bust.

Brian Brown, of comparison site Defaqto, says: “With the cost of the average wedding reaching £20,000, and the recession causing an increasing number of suppliers to go bust leaving couples in the lurch, making sure all elements of the wedding celebrations are covered has never been more important.'

Wedding insurance is provided by specialist companies such as Wedding Plan Insurance (weddingplaninsurance.co.uk) and Ecclesiastical (ecclesiastical.com), as well as household names including Debenhams (finance.debenhams.com/wedding-insurance-overview) and John Lewis (johnlewis-insurance.com).

Lump sum premiums start at £15.49 with Wedding Plan Insurance to £275 for John Lewis’s level 6 wedding insurance which has £50,000 cancellation cover.

It’s important to consider how much the insurance cover will pay out should the wedding have to be cancelled so that you don’t need a wedding loan for bad credit to pay for services you can’t use.

American Express and Debenhams Diamond Plus wedding insurance offer the highest levels of cancellation cover at £75,000 and £70,000 respectively.

Weddings are often cancelled for many different reasons, any of which would mean losing any deposits or monies paid, so it’s worth checking to see if the policy pays out for:

If the wedding venue cannot be used
If guests cannot attend because of severe weather
The death of a member of the wedding party means it cannot go ahead

The wedding insurance policy should also cover your most expensive items, such as your wedding dress if it becomes lost or damaged.

To avoid the need of bad credit wedding loans in the future, check the small print to see what happens if your caterer or florist fails to deliver goods or if it goes bust.

68% of policies provide cover if your supplier goes under, but only 19% cover a supplier's 'failure to meet obligations', according to analysts Defaqto.

None of the wedding insurance policies cover disinclination to marry, so if the bride or groom changes their mind you may require a bad credit loan to pay for the expense by yourself.

Some policies do offer ‘professional counselling’ for couples who may have cold feet in the run up to the big day.

“Cancellation cover is offered for pregnancy and childbirth, depending on the date, but a new baby could end up being a requirement for further bad credit loans anyway”, said Mr James of Bad Credit Loans 4 You.

Don’t get sucked in by the jewellers hard sell of insurance for the engagement ring, simply add it to your home insurance policy for protection if it’s lost or stolen.

Bad Credit Loans 4 You helps out people who fear they have been blacklisted because of past poor credit history which could include CCJ’s and Defaults, Bankruptcy, IVA or CIFAS.

Bad Credit Loans 4 You holds a Consumer Credit Licence issued by the Office of Fair Trading. The company is also covered by the Financial Ombudsman.

Bad Credit Loans 4 You is also registered with the Information Commissioner’s Office for Data Protection.

For help, phone 0800 011 4503 or visit

/bad-credit-wedding-loans.html

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Loans 4 You of London Ltd
Innovation Centre
Monks Brook
PO30 5WB
United Kingdom
Tel: 0800 011 4503

Bad Credit Loans 4 You was formed in April 2010, bringing together a team of specialists that together offers over 50 years of expertise to help applicants gain the unsecured loans they need.

From its UK head office in Monks Brook, Loans 4 You operates across Britain, sourcing loans for people with bad credit, including wedding loans for people with bad credit, bad credit wedding loans as well as wedding loans for people with poor credit.

Bad Credit Loans 4 You holds a Consumer Credit Licence issued by the Office of Fair Trading. The company is also covered by the Financial Ombudsman.

Bad Credit Loans 4 You is also registered with the Information Commissioner’s Office for Data Protection.

Bad Credit Loans 4 You helps people source the personal loan they need. We provide an opportunity for those with bad credit history, poor credit history & also a good credit rating obtain bad credit loans & poor credit loans.

As a specialist in the UK finance market for those with bad credit history, Bad Credit Loans 4 You routinely provide details of affordable loans for various reasons such as; bad credit computer loans, bad credit car loans, bad credit wedding loans, dental credit, furniture loans & Xmas loans.

Bad Credit Loans 4 You has a senior management team with over 50yrs collective experience providing vital knowledge of the bad credit loans sector & helping those with CCJ’s, defaults, late credit card payments, mortgage arrears & other bad credit rating problems.

Our mission is to aid people who have been discriminated against because of their bad credit loans problems. We assess bad credit loans applications on your current budget and ability to repay bad credit loans, not just your bad credit rating.