One of the biggest fears that brides and grooms-to-be face is the thought of something going wrong on their special day. The wedding dress could get stained, the cake could fall over, or someone’s elderly grandparent could slip and take a nasty fall.
Whenever a large group of people get together for an event such as a wedding, it’s prudent to purchase special event insurance to make sure the couple is properly compensated if anything goes awry.
Should You Make a Claim?
If you’ve purchased wedding insurance and need to make a claim, the first thing to do is to contact your insurance provider, who will send you your policy documents which will outline the details of the claims procedure. This will clarify what you can and can’t claim in the event of a mishap.
It’s important to remember that you may need to register your claim within a certain number of days after the incident occurred. This can vary depending on the type of insurance plan you purchased, so always be sure to check with your insurance provider for details specific to your unique circumstance.
Failing to make a claim for several months after the incident may affect the claims procedure, or even your entitlement to compensation, so make sure to file your claim in a timely manner!
Registering Your Claim
When you register your claim you will need to provide a description of what took place, and provide a rough estimate of the costs involved. For example, if you get a stain on your wedding dress the day before the wedding, you will usually have to pay to fix the issue with your own money, then claim it afterward.
Similarly, if you have to spend money on repairs or replacements which are covered by your insurance, make sure you keep all the receipts. Without these you will not be entitled to a refund.
Once You’ve Registered Your Claim
If you’ve registered the claim with your insurance company during the allowable time following the event, and have submitted all the necessary paperwork and receipts, it can still take some time for your insurance company to review your claim.
This process can take some time; anywhere from a few weeks to a few months, depending on the claim. However, if you’ve submitted a claim and haven’t heard back from your insurance provider for over a month, be sure to take the initiative and contact them to see where they are in processing your claim.