Sections at a glance:

• Do I need wedding insurance – the big question
• What to look for in a policy – our top tips
• Comparison table – everything laid bare
• UK wedding insurers – a rundown of the companies
• Faqs

Do I Need Wedding Insurance?

No. You are not legally required to insure you wedding in the same way that you legally need car insurance to drive your car. However, not having insurance for your wedding could see you forking out considerable costs should something go wrong (suppliers cancel, go bankrupt, problems with the venue etc).

There are some instanced in which you may already have some level of cover that you’re not aware of. Please be aware that this coverage typically isn’t as comprehensive as a typical wedding insurance policy. However, if you think you may already have some level of cover, it’s worth contacting the relevant insurer to see how they compare against the cover available from a standard wedding insurance policy.

For example:

1. Your credit card company will cover you

   If a wedding supplier provides goods or a service which is not up to the standard agreed in your contract, you may be able to claim the money back through section 75 of the consumer credit act. This applies to goods or services priced between £100 and £30,000. You will need to go through a formal claims process with your credit card company to reclaim this money. Even if you do decide to take out wedding insurance, it’s still good practice to purchase items using a credit card rather than a debit card or cash to increase your level of protection.

   Please note, your credit card company will not be able to cover you for purchases you have not made yourself such as wedding gifts. It will also not be able to offer cover for personal accident or public liability.

2. You’re already covered by your home insurance policy

   According to Which?, some home insurance companies increase the level of cover within your home insurance policy in the month before and month after your wedding day. This is to provide cover for the increase value of contents within your home (wedding gifts and items bought for the wedding), which can increase by several thousand pounds during this time and won’t be registered with your contents insurer.

3. We’re doing this on a budget, there’s not much to insure

   While the average cost of a UK wedding is close to £20,000, many get married for much less. Even if you’re getting married on a budget, there will be costs – however cheap they may be – that will pop up. In fact, most people getting married on a budget are doing so because they cannot afford any more than their set budget, and so definitely couldn’t afford to pay out if something went wrong.

   Thankfully there are a few budget insurance policies which are suited to those getting married on the cheap. Wedding Plan Insurance’s ‘Essentials’ cover is an example of this. More can be seen by looking through the companies individually.

What to look for when buying

Getting married – and the wedding day itself – is no small undertaking. These days the cost of the average UK wedding is enough to buy a new car or put down a deposit on a house.

When you’re putting this much money into anything, be it a wedding or a house, you want to make sure that you’re covered should anything go wrong. And unfortunately, things do go wrong. Suppliers go bust, venues cancel – not all the time, but enough to get even the average bride (and groom) stressed out.

We’ve made things easy for you by putting together a list of features to look for in a policy. We’ve then gone and put all of the suppliers that offer this into a comparison table with ticks and crosses next to each company making it easy to see who offers what. And if that’s not enough we’ve put together an overview of each company and have asked the Compareaholic community to give their reviews and feedback of each supplier. It doesn’t get much easier than that.

Without insurance, you’re unfortunately left without any cover should the venue cancel, a supplier go bust or the wedding gifts go missing. However, the policies we’ve listed can cover you against all of these possibilities – it’s just knowing what to look for. Thankfully we’ve made that easy with our top policy features list below and our comparison table of policies below that again.

Top things to look for in your policy:

What to look for when comparing insurers -

• Cancellation: Sometimes things go wrong and you have to unexpectedly cancel the wedding. It’s not nice, and there are plenty of reasons this could happen – illness, venue problems, an accident are just some examples. Cancellation cover is there to cover the costs associated with cancellation should this happen to you.
• Re-arrangement: Like cancellation, re-arrangement can bring about a number of additional costs such as the cost of arranging a new venue or supplier. Please be aware: cancellation and re-arrangement aren’t always the same and may have different cover levels.
• Attire: Should anything happen to your wedding dress (and/or groom’s clothing for attire) this typically covers the costs of repair or replacement. Most policies cover you in the months coming up to the wedding and on the big day as well.
• Gifts: Typically covers the gifts against theft or damage on the wedding day.
• Photos: Typically covers costs associated with damaged or missing photos as well as photographers not showing.
• Rings: Typically covers the costs of replacing lost, stolen or damaged rings.
• Flowers: Typically covers the cost of replacing lost or spoiled flowers or the florist failure to supply.
• Cake: As with flowers typically covers the costs of replacing a lost or spoiled cake or the cake suppliers failure to supply.
• Stationery: Typically covers costs for lost or damaged stationery.
• Cars/Transport: Typically covers failure of transport, non-appearance of transport and costs associated with accident.
• Supplier Failure: If your supplier goes bankrupt or is unable to fulfil the order, breaching the contract.
• Public Liability: Legal liability to a third party who incurs damages or costs as a result of your wedding event.
• Wedding Documents: Loss or damage to the wedding documents

These are the main and most common parts of a wedding insurance policy. Please note, not all suppliers offer the same level of cover for each feature. Always read the small print and use the comparison table to carefully compare what each company offers. It’s also worth taking a look at the reviews section to see what other previous and current customers are saying.

The Comparison Table

Easily compare the best policies using our compareaholic’s comparison table -

Showing 16 of 33 available policies.

See the full COMPARISORT comparison table

Wedding Insurers – An Overview

A guide to the different providers -

Faqs

1. Am I covered simply for having a change of heart/cold feet?

   The policies mentioned are typically designed to cover you in case something unpredictable and uncontrollable happens (the bride or groom get ill/or have an accident, there’s a death in the immediate family etc). Cold feet or changing your mind isn’t usually covered.

2. Are the cover levels the same for weddings overseas as at home?

   In terms of cover for the event and the reception itself, the cover is the same. The only exception is E&L, which offer a policy specifically for overseas weddings which also includes cover for delayed travel.

3. Is Marquee hire covered?

   Marquee cover is nearly always an additional cost, and usually carries its own specific excess with it.

4. Can you recommend some policies for military personnel

   If you are in the military, there is always the possibility that you will need to cancel your big day due to a military calling. Dreamsaver offer specific cover for military personnel, so they would be the best company to contact initially.

5. Which policies are suitable for Asian weddings?

   While all policies are suitable for insuring wedding events, Dreamsaver now offer their own specific ‘Asian Wedding Insurance’ package.

6. Which wedding insurance quote is the cheapest?

   Several companies such as E&L, Weddingplan and Covermywedding offer cheap cover for low-budget weddings. These are suitable if you’re not spending a lot on the wedding itself, however don’t simply go for the cheapest as you will be under-insuring your wedding.

7. Which policy is the best?

   Best is a very relative term. If you are looking for the cheapest then E&L are probably the way to go. If you’re looking for the policy that offers the most cover (if you’re having a big wedding) then Debenhams offer up to £70,000 cancellation cover on their diamond plus policy.

   It’s also worth reading the reviews for each policy which are left by our readers and those that have taken out policies with each of these companies. This will give you an idea as to how good each company is and how straight forward the claims process is.

1. Do You need iPhone Insurance? – You may already be covered
2. What to look for in a policy – Know what to look for when researching
3. Comparison Table – All the UK policies in an easy-to-use table
4. iPhone Insurers – More info on each company & policy with customer reviews (where available)
5. FAQs – Answers to the most frequently asked questions

1. Do I need iPhone Insurance?

There may be some instances in which you don’t need cover:

1. Your home insurance policy may cover your mobile phone

   Your iPhone may already be covered by your home contents insurance policy. Some home contents policies include cover for electrical items and gadgets and your smart phone may fall under this category. If you already have contents insurance for your house, take a note of the coverage a typical iPhone insurance policy provides and ask your contents insurer if they offer the same level of cover.

   Remember:

   - A home contents policy may not provide the same level of cover as mobile phone specific policy (check to see if they offer cover for things like water damage, loss and international cover).
   - Claiming on your contents insurance could affect the cost of your premium the following year
   - The excess you will need to pay to claim on your home contents insurance may be more than the annual cost of iPhone cover.

2. Your current account (bank) may include cover for your mobile phone

   Does your bank account include mobile phone insurance? It probably won’t if it’s just a basic level account but some of the premium accounts do. It’s worth a quick look to see if you’re already covered and to what level.

3. Your Apple warranty provides some cover for breakdown

   Your Apple warranty will cover certain types of repair during the warranty period. Water damage, theft, loss, unauthorised calls and all of the other typical features of a mobile phone insurance policy are not covered by the warranty.

2. What to Look for in a Policy

Knowing what to look for in an insurance policy is half the challenge, after that it’s just a case of seeing which companies meet the criteria.

• Theft: If your phone is stolen, the insurer will provide you with a replacement or cover the cost of a replacement
• Accidental Damage: Covers the cost of getting your mobile phone repaired or replaced
• Water Damage: Specific cover for water damage (dropping it in the toilet, spilling drinks over it, etc)
• Loss: Covers you if you lose your phone
• International Cover: Provides the same level of protection while you’re abroad for a set number of days per year
• Unauthorised Calls: Protects you against the costs of unauthorised calls made if your handset is stolen
• Premium: The cost of the policy (either per month or as an annual payment – depending on the insurance company)

3. All the information in a nice comparison table

I guess having a comparison table would make it easy to see which is the best deal?

Company	Theft	Damage	Loss	Water Damage	Worldwide	Est Cost p/m	More Info
			£1p/m		60 Days	£7.99	More Info
			£1p/m		30 Days	£4.99	More Info
					30 Days	£3.33	More Info
					90 Days	£4.99	More Info
					90 Days	£5.62	More Info

4. Insurance Companies: Reviews & More

Looking for more information about a particular company or product? Browse through the policy overviews or clickthrough to read reviews and feedback from the compareaholic community.

5. FAQs

1. I Need Cover for Backpacking/Travel Abroad

   JS Insurance (90 days), Insureandgo (90 Days) and Protectyourbubble (60 days) offer the longest periods of cover.
   If you are planning a long trip (or several short ones) then these are the best ones to look at. If you are taking out travel insurance however, check to see if mobile phones are covered within the policy – there’s no point in insuring yourself twice (unless the travel insurance policy doesn’t offer specific cover for things like water damage, which is quite likely).

2. I’m on a budget. Just show me the cheapest

   Currently Better Buy Insurance is the cheapest. Of course cheapest doesn’t always mean best. It’s important to compare the options carefully using the comparison table. If you need further re-assurance take a look at some of the reviews left by current and previous policy owners.

3. I need a policy that’s suitable for my iPhone 4

   All policies are suitable for the iPhone 4 (as well as iPhone 2, 3G 3GS).

4. I tend to lose things – and think it’s possible I will lose my phone

   Not all policies include cover for loss. If you feel it’s likely that you might lose your phone then take a look at the following policies: Protectyourbubble (additional £1 per month), Insurance2go (additional £1 per month), Better Buy Insurance & InsureandGo.

5. I’m under 18 which policies are suitable for me?

   Currently Protect Your Bubble is suitable for all ages while Insurance2go and JS Insurance are suitable for over 16s. Remember if you are planning to take out insurance you will most likely need a credit/debit card to make the payment online.

6. What about O2′s instore insurance?

   Some mobile phone networks such as O2 and Vodafone offer their own inhouse policies. While they do offer some basic level of coverage we’ve found that they can be as much as 4 times the price of some of the policies we’ve compared here and generally with less features (notably cover for loss and water damage). If you are interested in looking at any of these policies however you can see O2′s here and Vodafone’s here.

7. Which policies offer new for old replacement?

   Insureandgo state that they replace gadgets on a ‘new for old’ basis. We’re currently researching the others

Sections At A Glance

1. Bird is the Word – What a policy typically covers
2. Comparison Table – See which company offers the best deal
3. Reviews & Info – A little bit more about the companies you’re comparing
4. FAQs – Your parrot finance related questions

What to Look for in a Parrot Insurance Policy

When buying insurance for parrots, or any kind of pet for that matter, knowing what to look for in a policy is the first step. From there it’s easy to compare the various policies available and see which company is the right one for you.

The most common forms of a parrot insurance policy are:

• Vet Bills – The amount of cover you get against veterinary bills
• Online Discount – whether you can save money by buying online
• Equipment Cover – The amount your parrot’s equipment (cage etc) is covered to, if at all
• Theft replacement – Whether or not your parrot will be replaced, in the event it is stolen

We also recommend looking at reviews and feedback of each of the policies as given by our community of helpful compareaholics.

Comparison Table: The Top Policies

Use the comparison table to compare and see which policy is right for you

	Vet Bills	Theft*	Death*	Equipment Cover	Online Discount	Est Cost p/m	Get Quote
	£3,500				10%	£14.16	More Info
	£2,500					-	More Info
	£2,500					£15.00	More Info

See the full COMPARISORT comparison table

* Typically covers the costs of replacement
(Quote based on a parrot named Peter valued at £1,000)

Company Reviews & Information

A little more info about the UK’s parrot insurers.

FAQs

1. Which policy provides the best cover for vet fees?

   Exotic Direct’s policy offers up to £5,000 worth of cover for vet fees at its most expensive level. E&L offer up to £3,500 worth of cover.

2. What treatments are not covered by bird insurance?

   Generally, cosmetic treatments are not covered by pet insurance policies. Preventative treatments may also not be covered, although this can vary depending on the situation.

3. Can I get a discount for insuring more than one bird?

   Yes. E&L offer a multi-bird/multi-pet discount of 10% for each subsequent pet you insure, up to a maximum of 20%.



4. Which policies offer cover for equipment?

   Both E&L and Golden Valley offer equipment cover which provides cover for cages, averies & bird equipment.

5. Are pre-existing conditions covered?

   Again this is usually done on a case-by-case basis, and you should contact the potential insurer first before taking out insurance. Some insurers may tailor your policy so that you are covered for future medical conditions, except those arising from a previous medical condition.

Sections at a Glance:

1. Do I Need insurance for my iPad? – Check to see if you need cover
2. What to look for in a policy – Ensure you get the best deal
3. Comparison table – An easy way to find the best policy
4. Reviews & Company Info – Our community of iPad owners give their feedback
5. FAQs – Nothing goes unanswered

Do I need iPad Insurance?

In some instances you may not need to purchase insurance for your iPad

Your home contents policy may cover you

Your iPad may already be covered by your home contents insurance policy (if you have one). Not all policies include cover for gadgets and often they do not provide the same level of cover as a specialist gadget insurance policy – it’s important to contact your contents insurer to see exactly what is covered.

Some coverage is offered by the Apple Warranty

While Apple won’t replace your iPad if it is lost or stolen (or certain types of damage including water damage), there are some types of damage which are covered by your Apple warranty. If you are uncertain refer to the warranty.

You may be a very careful person

It’s possible you will never lose or damage your iPad, insurance is simply a safeguard.

What to Look for in a Policy

Knowing what to look for is the first step in finding a great deal. Use this as a reference point when comparing the available policies.

• Theft - A replacement if your iPad is stolen
• Damage - A replacement/cover for repair costs if your iPad is damaged
• Water Damage – Specific cover for liquid/water damage
• International Cover – The same level of cover abroad as you have at home
• Breakdown cover – Typically an extension of your warranty

Comparison Table – Decisions Made Easy

Use the comparison table to see which deal is right for you

	Theft	Damage	Water Damage	International Cover	Est Cost p/m	Get Quote
				60 days	£4.99	More Info
				30 days	£4.72	More Info

Company Reviews

Need more help deciding?

FAQs

Answers to your most frequently asked questions

1. Which policy offers the best cover for taking an iPad abroad travelling?

   Protectyourbubble offers 60 days international cover during a 12 month period, whereas Insurance2go only offers 30 days. If you are planning a long holiday, or several short holidays within a 12 month period, Protectyourbubble is the better option.

2. Which of these is the best insurance for an iPad?

   Both policies have their strengths and benefits and it’s important to use the comparison table to compare which one offers the better deal for your needs.

3. Are there any insurance premiums offered directly by Apple

   Currently, the only protection Apple offers is in the form of its warranty. See ‘Do I need iPad Insurance’ for more info on this.

4. Do any of these insurance policies cover loss?

   No, currently there are no policies which include cover for loss. Sadly.

5. Are these policies suitable for the iPad 2?

   Yes, there are suitable for all generations of the iPad. Most policies will have a ‘max value’, so as long as your iPad isn’t worth more than that, then it can be insured.

6. 
   

   I have an iPhone and an iPad, can I get insurance for both?

   Protect Your Bubble offer a 10% multi-gadget discount if you insure more than one gadget with them.

7. Should I expect to pay an excess on my policy?

   Yes, there is an excess of £50 on policies from Protect Your Bubble. Insurance2go charge a 15% excess (min 25), so an iPad valued at £500 would have an excess of £75.

1. What to look for in a policy – All the financial terms explained
2. Comparison Table – A comparison of the available policies
3. Rabbit Insurers – More info & customer reviews
4. FAQs – Your bunny insurance questions, answered

What to Look for in a Policy

Choosing pet insurance for any pet is never easy, but knowing what to look for is half the battle. The following is a guide for the various features which are listed in the comparison table.

• Veterinary Fees – The most important bit, covers the cost of veterinary bills
• Advertising & Reward – If your bunny goes missing, this will cover the advertising & reward costs
• Emergency Boarding – Should you suddenly need to go to hospital, this ensures your bunny is put up in bunny-friendly accommodation.
• Complimentary Treatment – Unique to Petplan, this provides coverage for treatments such as acupuncture and homoeopathy.
• Max Age – The maximum age the insurer will cover your pet until
• Online Discount – Discounts available when purchased online

The amount of cover you get for veterinary bills is the biggest thing to look out for. After that it’s entirely based on your needs, but with both Petplan and Helpucover offering emergency boarding cover and cover for advertising and reward, the majority of our site’s users opt for a policy from these companies.

Bunnycover

The Comparison Table

Use the comparison table to see which policies offer the best value for money.

	Vet Bills	Emergency Boarding	Advertising & Reward	Max Age	Online Discount	Est Cost p/m	Get Quote
	£2,000	£250	£250	5 Years	10%	£9.76 p/m	More Info
	£2,000	£250	£250	5 Years	10%	£10.00 p/m	More Info
	£2,000	-	-	5 Years	-	£12.90 p/m	More Info

See the full COMPARISORT comparison table

(Quote based on a 1 year old rabbit named Thumper)

Insurance Providers – Reviews & Info

If you want a little more info about each company before making your final decision..

FAQs

1. Do I need rabbit insurance?

   As with all pet insurance, it’s not essential however veterinary bills can be expensive, and can put pet owners in difficult situations when faced with high bills. Pet insurance is a safeguard against this.

2. How long does the cover last for?

   Cover is typically for a year, although some companies will offer monthly or annual methods of paying.

3. Are dental treatments covered?

   Helpucover typically excludes dental treatments unless to relieve suffering for the rabbit. While Petplan doesn’t cover the costs of trimming rabbit’s teeth, it does provide cover for dental treatments. Since rabbits are insured under the covered for life policy this means your rabbit is covered even if it develops a lifelong disease or illness.

4. I have more than one rabbit/pet to insure, can I get a discount?

   Petplan offer a multi-pet discount, so if you have more than one bunny or other insurable pet in the house (rabbits, cats, dogs and horses) you will be entitled to this. Currently they offer £1 off per pet, per month on any additional pets insured.

5. Are bunnies covered?

   Petplan cover rabbits from 6 weeks until their 5th birdthay while Helpucover cover rabbits from 8 weeks until their 5th birthday.

6. Which company is the cheapest?

   The comparison table above should give you an idea of which insurer is cheapest. According to our analysis, Petplan was just cheaper than the other two quotes, but only by a few pennies. Remember price isn’t everything, so be sure to look at the features and benefits each company offers as well.