Compare Wedding Insurance

Frequently Asked Questions

1. QUESTION:
   Wedding Insurance – Which one is the best?
   There doesn’t seem to be any wedding insurance comparing sites out there.
   So i’d thought i’d ask the advice of all you brides to be

   x
   Wedding insurance is insurance you take out on your wedding incase the worst happens. So you get your money back.

   Weddings are expensive things you know..
   It doesnt mean incase your fiance backs out! Its incase the comapny goes bust that you have bookings with.
   For example, if your florist goes bust and you have paid sh*t loads of money for flowers that they cant pay you back.

   You can claim on your insurance.

   Serious answers only please. If you cant give a serious answer why even bother?

   • ANSWER:
     Wedding insurance is one of the most important expenses of a wedding, are you people serious!?! Especially in this economic climate, with thousands of businesses going bust everyday. My wedding insurance is through weddingplan and it was £27.50 for my £10,000 budget wedding. And it has already been useful. We had arranged suit hire through a company called ‘Greenwoods’ which has been put into administration and so have claimed back the £400 i had paid out for suits which would have other wise been lost, had i not took the common sense step of buying wedding insurance. I highly recommend Weddingplan.

     God, why do people bother answering if they have no idea what you are talking about!!

2. QUESTION:
   How much was your engagement and wedding ring overall?
   He’s in college and is paying for that himself and we’re trying to save for a house. (Don’t even start yelling about age. He has 1.5 years left, and we may not even get engaged until after he graduates. Definitely won’t marry until we have enough for a wedding and a house. But he has enough saved for engagement, if we wanted to now) So I wanted to choose a ring that wouldn’t burden him with the cost. Even if he had enough to buy me a k ring, I wouldn’t want to buy a pricy one. That’s just how I am. I would feel guilty. I noticed that most people have solitaires, and the cost of those are really expensive. But, I really don’t like them and I hate being like everyone else
   So I was looking at less expensive rings. But really couldn’t find any I liked, until I came across this ring:

   http://www.kay.com/webapp/wcs/stores/servlet/product1|10101|10001|-1|990544708|15051|15051.15057.15108

   And I just fell in love with it. Everywhere we have been, I cannot find any ring to top this one. Not even the REALLY expensive rings. Well it’s 0 at Kay’s, as you can see. But we went to Jared’s and they have the same exact ring for 0. I would have posted a link, but Jared’s doesn’t have princess cut posted.
   And I like something like this for a band:

   http://www.kay.com/webapp/wcs/stores/servlet/product1|10101|10001|-1|80164724|15051|15051.15058.15111

   At first, I thought it might “too flashy” paired with the ring. But when I tried them on together it was just beautiful.
   So that is 580 and 280. That’s 0 for both rings. Does that seem like a lot? After tax and insurance, it will cost over ,000. That seems like A LOT of money. And I don’t want to be a spoiled b*tch and make him get this ring since it’s the only one I really love. So if that is too much for the typical costs, I will keep searching for a smaller ring. But honestly, I feel like it is pretty decent compared to most people. I mean, a 1/2 carat solitaire would cost double the price.

   So what do you think? Is ,000 too much for an engagement ring and wedding ring, after tax and insurance?
   And we’re not interested in buying smaller now and “upgrading” in a couple years for a more flashy ring. My boyfriend is very bent on the fact that THAT is the ring we will be married with. So if we take that away and buy another one, even adding bigger stones or put the old stones in other jewelry, it just wouldn’t be right. I feel the same way.
   Oh, and he said just let him know which ring I like, and not to worry so much about the price. So the price scare is all from me, not him. Lol.
   But my thinking is, why spend a few thousand on a ring, when you can save some of that towards a better house or car, you know? Same will go with the wedding. I’m going to find every way possible to save money so that’s more towards a house!

   Thanks for the answers so far.

   • ANSWER:
     I personally think that not only are those rings beautiful, but that you are a very intelligent person and that you two will do fine. I applaud you for understanding that marriage is about love and not getting the biggest ring around. The price that you are going to spend on your ring can only be decided by you and your boo, but I think that you are fine with what you have chosen. Good Luck!

3. QUESTION:
   Two years ago, I lost my engagement ring in my house. I called my insurance company to report it…?
   I told them I would wait until after we moved in case I found it somewhere in the house. Well, I waited until we moved (about six months) and then followed through on the claim and had my ring replaced.

   Well, here we are two years later and my rings were stolen/lost. (both engagement ring and wedding band) I took them off in a restaurant and when I went back for them they were gone. (Yes, I know it was really dumb to take them off)

   I am SO very upset but know that I am totally responsible for this happening. I can’t fathom filing another claim with my insurance company. The ring is worth about 6K.

   My husband is saying I must file a claim. He compared it to having a car accident. He says if you were in an accident and then two years later were in another accident, you wouldn’t think twice about having your insurance cover the repairs.

   What should I do here???

   • ANSWER:
     Comparing a car accident to rings getting stolen is a pretty poor comparison. Most people need their vehicles to get to work and to carry out their daily routine, plus many car accidents involve bodily injury. The same can’t be said for a piece of jewellery!
     As for whether to place a claim or not, two claims involving the same expensive item that close together in time can result in one of three things: a) reduction of coverage from All Risks to Named Perils with Theft coverage being reduced to Burglary (i.e. must be signs of forced entry); b) Increased premium along with increased deductible; c) Non-renewal by your insurer, which will result in difficulty in getting insurance elsewhere or a dramatic increase in premium if you do. Which scenario will play out depends on your insurer and what mood the underwriter is in when your policy comes up for renewal. Talk to your broker about this and ask them to present the above case as a hypothetical to the underwriter to gauge their reaction. At that point you can better decide whether to place a claim or not.

4. QUESTION:
   How am I supposed to choose between my fiance and my mother?
   My fiance and I have been engaged for a little over 2 years now. Last year, we decided to move in with my mother to save money. We need to pay off my fiance’s credit card debt, and save money for our wedding. Everyone told us this was a bad situation to be in, and that fiance’s and mother’s just aren’t supposed to live together, but we did it anyhow.

   My mother and I are best friends. Some compare us to the Gilmore Girls on TV. Ever since my dad and her divorced, I have been her confidant, her friend, pretty much her partner in life for everything. I am the only daughter she has, and I am the baby of the family.

   Recently, I keep finding myself stuck in the middle, because (whether they realize it or not) both my mom and my fiance have very similar personalities and they seem to butt heads on various levels. Example: my fiance woke up grumpy the other day, and mom wouldn’t leave me alone about it. Then she started a discussion with me about the fact that he (my fiance) doesn’t have car insurance, and how irresponsible he is with money, and how he pretty much won’t make a fit husband for me. This is probably the 4th or 5th “argument” we’ve had on this topic since moving in together last year. I know that she’s just worried about me, and it comes from a loving place, but it’s wearing me and my fiance a bit thin. This particular argument was ridiculous, because he actually does have car insurance, and he is sorting out his credit card issues this year like he said he would.

   Our lease is up in April, and we have to decide if we should renew it for another year, or go our separate ways. It makes a lot of sense to move out, mom on her own, and my fiance and I on ours, but then she guilts me into thinking that its a bad idea, because she’s going to have to move into her mother’s house to save money for MY wedding. I just feel so awful because she’s done a lot for us, but I’m not sure I can take another year of living with both of them, because I don’t want them to end up hating each other and not having a good relationship for the length of my entire marriage/life! Plus there’s the fact that she wants us to wait another whole year to get married. Because she says we arent that financially ready to be an adult married couple. We got engaged in 2007, and have been pushing back the wedding for multiple reasons, and we are tired of waiting!

   So far, my fiance has been pretty decent with our living situation. He does get grumpy occasionally, and he says that he’s biting his tongue for the most part on many issues. He keeps saying, “I want a life with you. Not your mom.” Which I can appreciate, but if it wasn’t for his crappy finances, we wouldn’t be in this living situation. I’m about to graduate college this summer, and hopefully get a full-time job so that I can help with finances more, but until then, I feel stuck. Especially because I’m in the middle. I love both of them. So how do I choose? (Thanks for reading this insanely long question)

   • ANSWER:
     This may be a bit out there, but are you sure your mom doesn’t rely on you too much? It’s great when people are close to their moms, but the way you described it almost sounds like you’re her sole support system. Does she get together with close friends and have activities to keep her busy? Could she be resisting “letting go”, including having you move out and even get married, because she has nothing to replace you with?

     If there’s any possibility of this sort of thing, you honestly need to shift gears quickly or you’re putting your relationship in serious jeopardy. Once you became engaged, your prorities changed, and your first loyalty needs to be with your fiance and any plans the 2 of you decide on together. If you’re both tired of waiting for wedding planning, and you’re both feeling you need your own place, then this should be what guides your actions. Plenty of people appreciate what their moms have done for them, but still move on to start their adult lives when the time is right.

     I know none of this is easy! But when people are in the middle between a spouse and a parent, it’s usually within their power to change the situation by realigning priorities. I really think you and your fiance are overdue to start your lives, and you can have a long heart-to-heart with mom where you try to get her to see that this isn’t a rejection of her – it’s just in the normal course of events.

5. QUESTION:
   Why would man men want to get married these days what is the benefit ?
   Hi here is the question Why Would a Single Strait sexually normal man/men want to get married at all?

   These days there are way more cost then benefits for men to get married?
   1)Jewelry is expensive A) engagements B) Wedding C) Holladay’s New Year, Christmas, Every Anniversary, Mothers day while child is still not smart enough to make a gift
   2)Wedding cost some over 100K and that’s want women want so they will remember the wedding for the rest of their life !
   3):Trips / Tourism After Wedding, and Probably at least once every year for the whole family, Counting Air fair, Sleeping in Motel / Hotels , Restaurants
   4)Once your married Your also responsible for your wife’s finance problems College Cost that has not been paid off, Credit Cards debt, and Your Credit Score is autumnally impacted by her credit score , as hers is impacted / effected by yours score BECAUSE YOUR MARRIED !!!
   5)Separations : These days it is very conman for people to separate temporarily instead of arguing or solving problems. Which is smart and dome at the same time! By the way during all the time your separated your partner could be cheating on you !!!
   6)Clothing Cost : I admit living as a woman is difficult and costly but once any guy gets married, his clothing cost will probably triple that is 3 times more then you spend when you were single. This does not count cost of any child dippers, and clothes that sizes and style will be changing every 6 months .
   7)Health Care insurance service , Co-pay is Sky rocketing !!! these days unless Obama solves the national healthcare problem!
   8)EXTRAS : this includes Make-up, Laundry, Auto, Auto Insurance, Additional services like SPA / Fitness, Restaurants, shopping in malls and online, Additional Cell phone lines, Text message, and other similar cost.
   9)AND EVENTUALLY there is the College cost for each student, whether a responsible parent puts 4% of each pay-check to a Saving account for each child’s long term education, or Barrows money form bank when the time comes, to give each child the opportunity to get Bachelors Degree or Masters
   10)Now if anyone thinks sex is the main reason to get into long term relationship, I think that is one expensive sex comparing what all the cost you have to go through, and masturbating can be each cheap way to solve the problem, and buying hookers would be even cheaper make life so much easier !
   11)There is no guarantee that wife will stay will you in long term, look over 50% USA population gets divorced at least once in the live time, and if child has divorced parents their probability of getting divorced is 7/10 ; so future generations will only have higher % of families getting divorced !
   12)Long term expectation: If people are likely going to get divorced, then you can not rely or expect 100% confidence that you Partner will stay and support you until, no matter even if you get sick until you die. Like said during marriage ceremony.

   NOW TELL ME THE BENEFITS, WHY exactly SHOULD any MEN MAN Be looking for long term series Relationship after reading all the above?

   • ANSWER:
     Love and happiness…. judging by your rant, I doubt marriage is something that you are going to have to deal with. The only difficult thing about marriage is finding the right woman. Luckily for me I found mine.

     ***

     Just the fact that you took the time to type all that out is kinda sad…

6. QUESTION:
   Divorce in NJ. Will it go easy?
   Recently married, but I’ve been through years of emotional abuse. Low self esteem, depression, and the occasional suicidal thoughts. I’ve been like this for many years, ever since I was about 8 years old. I never got help and my husband, boyfriend at the time, didn’t really care when I cut myself. He never saw it as a problem, and I should have ran right then and there. Sadly I was having issues with my mother, and was living with him. Technically the “nowhere to go to” a few years ago. My mom and I are now better.

   Small back story.

   I am trying to break free, and make life feel like a warm sunny day than a snow cloud. You know, personal changes. I realized that most of my problems were letting people walk over me, and enduring abuse when I shouldn’t have because I deserved it. Trying to find the silver lining. My husband likes to blame me for a lot of things, and makes me feel bad for something that I didn’t do. He has a short temper, and refuses therapy for it. Sometimes I don’t agree with him on a few things, and his comeback is always “You never agree with me! I am your husband; you have to agree with me!” He’s not real controlling, but his opinion matters more than mine.

   We bought a house in June 2010. We are getting the ,000 tax credit for that. We have not filed taxes yet. Married in September 2010. He does not know I want this divorce, and I am not sure he’s willing to file. I am going to talk to my mother before I do anything. She divorced my father, so she knows something about divorces. (Living with my father is out of the question.)

   We have a joint account, and car insurance.

   I do not own a lot, and I am not highly in debt. I have ,000 in credit cards I owe money on. (Which isn’t bad compared to what I did have, and ,200 was for the wedding) He has some as well, not awful, but then there’s his student loan he’s paying now.

   Here’s where the questions come in:
   He can keep the house. Hopefully I can stay with my mother until I get a place on my own. I work two jobs, one full time one part time. I make decent money, and will be able to afford an apartment on my own once I get my own savings account. He works full time as well. If I am no longer living there, will I have to pay for half? And if I have to pay for half, can I still have access to the house?

   I’m hoping this won’t be so bad. There are no kids, we have our own cars, and the only thing I want is the stuff that is mine. I have a few autographs baseballs my father gave me, and there’s no way in hell he’s keeping them. I just want what I moved in with. I’ve heard you may have to do a six month seperation before a divorce. Does that still apply? Do I have to help pay for his student loan as well? (And if I have to do that then it’s going to be harder to get back on my feet) I want to do this cheaply as possible.
   Before I forget, the house is in both our names.

   • ANSWER:
     I don’t know how your state is, but if you and your husband can’t find common ground as far as what to do with the house, then you may have to sell it. Any thing that is considered community property (that is any thing accumulated during the marriage) will have to be divided between the two. Check with an attorney in your state to find out exactly what that en tales. Also, I think that by the two of you not a having kids, there is a 6 month separation period before you can file for a divorce, if kids were involved then it would be a year. I hope all goes well for you and be BLESSED

7. QUESTION:
   Should we go to Thailand with Air asia?
   I have booked tickets to go to Thailand in May for my daughters wedding with Air asia. Now I’m worried because I did a review search and there are many negative reviews on air asia. Can anyone advise me if they have travelled with Air asia and what your personal experience was like. The tickets cost me 00 aus for 2 adults and 1 child, compared to what they would cost if we went with another carrier, which would be around triple that price.
   I’m not trying to be scabby but I’m just not very rich although it is my daughters wedding. I am a single mum and still have to pay for accommodation yet. I do have travel insurance so I may be able to get my money back if I come up with a good excuse or even sell the tickets on ebay to some other poor unsuspecting victim if the airline is crappy. thanks anyone who may know about Airasia

   • ANSWER:
     hey i lived in thailand for 5 years and im from australia so i was constantly going back and forth over the holidays so i know all about bad airlines!!
     i originally used qantas which are absolutely wonderful, and then i later used thai airways which did not fail me once!
     air asia i used and they were good for their price. Although the other airlines i used were better, your definitely paying for it!

8. QUESTION:
   What am I to do with the actions of my boyfriend? Please Help! Any advice would be welcome for Morgan and Mike?
   We have been in a 3 yr relationship. We graduated together, became close friends, then finally “hooking” up. So this Jan. will be 3 yrs of us living together. My situation is that due to the words and actions from him I am left confused, stressed, and unhappy.
   I am currently a Pharmacy Technician, I have been so since 2007. But now, 3 years later, he has since left his 4yr job due to the fact that he couldn’t stand his bosses. Since then he has tried going to go to college to recieve his degree as a radioligical technician, we were pretty broke but we lived in my mom’s leased home and didn’t have to pay for any thing other than electricity. So I paid his tuition for his fall semester. Halfway through the semester he dropped his math class, shortly after he dropped Anatomy. The next thing I knew he decided he would not go to college.

   i wasn’t making enough money any more to pay the electric bill, the car payments (yes his too), food, gas, insurance, etc. so we moved into his parents basement, my father is an alcholic and we couldn’t stay there. He held no job that made money for more than 3 weeks during this time. He knew alot of people, and he just recently let me know that he didn’t have a job those 8 mo. b/c he knew people around there and he couldn’t be seen working a bull sh*t job, like grocery store, gas station, or restuarant. regardless of how much that pushed us back in getting our future’s wheels going again. I was unaware that he was turning the callbacks and jobs down. I worked at my pharmacy and at a petshop as well.

   So we decided that since my career paid decently in other states compared to NC that we would use our tax refund and I would apply all over the country and fly/drive out for interviews and meetings. I was hired in Panama City Florida.

   since i have been working here, I have rented my own apartment. and he has worked at a job for 3 weeks. we have on and off petty fights, he says failure to communicate. He yells and screams at me when we argue or get ina tiff, I try to logically think issues through and talk thim out in an understanding manner. He says he knows he says horrible hurtful things, but he says that I fuel them.

   he constantly spoke of how much he didn’t like the job, and that it didn’t pay well enough. So I said “okay you can leave this job, but you have to find another job within 30 days, b/c i’m not going to have enough money to support us much longer than that.”
   it has been 8 weeks since he left, and he still does not have a job. he says he has applied at all of these places, and yet after working all day and I ask him how his day went and any luck on the job hunt he immediatly becomes defensive, short with me, and angry that I even mentioned it to him.

   b/c we are invited to our friends’ wedding back in our hometown, we are returning there for a few days, he decided that he was going to go up early and look for jobs (via internet I suppose) in our hometown and down here in Fla. When I talk to him on the phone he sounds utterly depressed and really refuses to talk to me about anything. He doesn’t seem motivated to do anything, he says he doesn’t want to waste his time “flipping burgers” that he would rather start some where that pays more. currently he is in NC and I am still in Fla about to leave this week for wedding. I feel like I’m worthless, like i’m not worth trying to do every thing in the relationship to make it work. I feel like he just abandoned me, I hear excuse after excuse from him on why he doesn’t have a job and can’t get one, and why he doesn’t have any idea what his goals are, like what he is striving for. idk what to do. there is so much more to this story that I can not possibly go into detail. that is unless some one asks.

   PleasePlease help me! I’m at my wits ends, I’m so stressed about my work (which is a very stressful career anyway), bills that must be paid, the fact that this new job is supposed to be building for my future and goals. I don’t have many friends to hang out with here b/c I have only been here for a short time, and I work ALOT. so no one to really ask advice from. Please what would you do in this situation? would you give him chance after chance, knowing that from his words it seems like he wants to start at the top of the ladder and that no matter what I say or do or how I try to motivate him it just pushes him back, or would you tell him that its over, the fact that you 2 used to do every thing together, laugh at the same jokes, have been best friends, have the same hobbies, likes and dislikes….? what do i do

   • ANSWER:
     This is what we call being used. Because he didn’t pay for the college out of his pocket he has no respect for it, and no real knowledge of what it costs. The reason he stayed with you for three years? You were hooking up and he had to do nothing for it. He quit his job and you had no reaction like kicking him to the curb or making him get a job, so he knew he was a push over. Dump the bum, get over him and find someone worthy of your love and affection.

9. QUESTION:
   afraid I might loose my fiancee?
   OKay my fiancee and i have been toghther for 4 years. He has a daughter of five that i have been mom too.

   He paid for most of my schooling (15,000). and now that i am done we live in a 2bedroom apt and he pays for rent while i pay for car payment, insurance, phone and internet and groceries, cell bills etc. it works out that we pay about the same.

   but i am worried, i have 2 jobs in the industry i graduated from, but i haven’t had any hours since December. I have tried applying at so many jobs in all industries, and have gotten nothing.

   I feel bad since i have reverted to living off of disability (no not for an injury) and still pay my side of things, but i am not really helping saving for the wedding or future house. I also have quit smoking AND toking and have been feeling really depressed the past while. while my fiancee has been supportive telling me i will get hours which i haven’t i feel like he is reaching his patience peak. Im at home all day applying everywhere, and am cleaning the house and making sure dinner is on the table when he comes home and a massage when he gets home. or i am out applying at jobs, get grocery or picking up the baby girl.

   i feel like i am not doing enough and im not sure what to do? I really am trying but right now alot of places arent hiring. IM am getting frustrated and worried that my fiancee will leave me. He hasn’t said it, but in my past men have left me for less.

   Am i being overly paranoid? and i comparing him too much to my past bf/gfs?
   I dont want him to leave me or be unhappy with me… men how would you feel if you were in said situation?

   what can i do to make my burden less?

   • ANSWER:
     I think you are overly paranoid. You are contributing a lot into the relationship. From your own description, your fiance also seems to be very supportive. You have been together for 4 years, he paid for your education, you are a mom to his daughter, everything indicates a stable and long term relationship. Unless there is something you havent mentioned here (abuse, fighting etc) , you are worrying unnecessarily. You might be feeling depressed due to delay in getting job.

     dont suspect him for what your past bfs did. thats unfair.

     bf/gfs ?