Wedding insurance NZ: How to protect your wedding

The average New Zealand wedding now reportedly costs around $35,000, so make sure you protect that investment.

Interestingly, it appears that New Zealand couples are increasingly looking for ways to reduce the cost of their weddings in light of soaring property process.  An overseas wedding, with a smaller guest list and lower catering and venue costs, could be in order. If you’re planning an overseas wedding though, make sure you protect it against financial loss.

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With wedding season officially here – October and November being very months for nuptials  – Claudio Saita, Deputy CEO and Executive Director in Australia for Tokio Marine, underwriters for award-winning World2Cover travel insurance, warns that some of the most precious items are often inadvertently left at risk when planning a wedding abroad.

“Twenty eight per cent of brides spend over $2,500 on the all-important wedding dress, but when travelling, most luggage is only covered up to the value of $1,000 per item – leaving a big shortfall should anything happen during the trip,” she said.

Not to mention your engagement and wedding rings!

Tips to protect your wedding $$$

For brides and grooms getting hitched overseas this spring or just starting to plan their destination wedding, the team at World2Cover have provided six top tips to ensure this dream day doesn’t turn into a disaster:

Your engagement and wedding ringsWedding Rings

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The good news is, the rings can be entrusted to the Maid of Honour or Best Man as they do not have to stay with the insurance policy holder to be protected. However, check your cover prior to departure as there could be exclusions if they are left in checked luggage or unattended in a vehicle.

The dress

If you don’t want to let it out of your sight you can transport it as carry-on luggage. However, being a larger item, you will likely be asked to store it in an overhead compartment during take-off and landing. Other options include shipping it beforehand or even buying the dress its own seat on the plane!

DestinationWedding Destination

If you’re planning to go to an exotic location, add a reminder in the ‘save the date’ for guests to check with their doctor about any required immunisations. How long you’re going for and the season you’re travelling can also affect which vaccinations you need, so the more detail you can provide the better.  Here’s a handy list of travel essentials for a tropical beach getaway.  Plus if you’re planning a cruise for your honeymoon, make sure you work out whether or not you’ll get seasick.

The food

Food-borne illness is a major cause of sickness overseas. While buffet service is popular at weddings, leaving food in the open for long periods can increase the chances of disease causing bacteria and viruses. Help evade any unwanted tummy bugs by avoiding seafood dishes and providing guests with hand sanitizer.

CancellationsWedding Cancellations

Flight cancellations can and do happen. This could impact on your venue, caterers, celebrant and more, if you can’t get to the altar in time. Check travel news sites before you book and prior to departure as well, as your dream destination could be flagged as a ‘do not travel zone’ at little to no notice. If you purchase travel insurance as soon as you have booked, this won’t be an issue as you are covered for cancellations and if the destination becomes an off-limits area*.

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Honeymoon plans

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Whether you’re planning to relax by the pool or fill your days with adventures like scuba-diving or cruising after saying ‘I do’, purchase an insurance policy that covers your entire trip – from the day you leave to the day you arrive home, including all the activities in between.

*Limits, conditions and exclusions apply. Please read the PDS and full policy to ensure the cover is right for your circumstances.

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