Honeymoon Insurance And When To Take It Out

Couples planning to get married these days are tending to make their own arrangements rather than have relatives like their mothers for example do it for them. There has been a trend towards professional wedding planners, but this can sometimes be too expensive for many young couples who are on a tight budget, so they do it themselves. One of the areas that concern modern wedding plans is the subject of insurance. I have written at length about wedding insurance, but we now need to turn our attention to what happens after the wedding, i.e. the honeymoon.

As we have already discussed, a modern traditional wedding will set you back about £20000 especially when you add together all the trimmings that are also included. That is why we recommend wedding insurance, but what about the honeymoon?

Young newlyweds are taking their honeymoons seriously these days. A typical honeymoon will set you back about £2-3000 depending upon where you go and what you intend to do when you get there. The days of a weekend in Blackpool are long gone, as are the excursions to Benidorm or Majorca! Newlyweds today want more adventure on their honeymoon and they are willing to travel further afield to get it.

This means that traditional travel insurance may not cover your activities or even the places you are planning to go to. You really should be making your honeymoon plans when you plan your wedding and you should therefore sort out your honeymoon insurance at the same time.

If you are planning to travel outside of the Eurozone, you will need to make this clear to the travel agent as many standard travel policies will only cover Europe. You will also need to ensure that your activities are covered. For example, you will find that most policies will exclude things like skydiving, bungee jumping, scuba diving, horse riding and the list goes on. It is important that you get this sorted out well before you go as you do not want to be worrying about it at the airport!

Another aspect to try and get sorted out when you are planning all of this is the actual costs involved. Honeymooners notoriously underestimate the costs involved in their honeymoon and therefore the sums insured are not adequate to cover loos or damage should it arise, so make sure that you are aware of the costs involved.

One final piece of advice is to maybe not over emphasise that you are going on your honeymoon to the travel agent, as they are noted for bumping up prices if they think that you are willing to pay more just because it is your honeymoon!

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Honeymoon Insurance - Get It Right First Time

Couples that are planning their wedding are traditionally coy about their honeymoon plans. In fact in the old days, the bride often did not know where she was going after the wedding. These days, they are involved in the planning from the outset. It is probably because of this that there has been the advent of honeymoon insurance which has been tailored to suit the needs of couple going on their honeymoon.

The time to make your travel arrangements is when you are in the planning stage of your wedding, not when you arrive at the airport terminal and try to take out one of those `fits all` type of a policy. There are a number of reasons behind this, but probably the most obvious is that in the heat of the moment, when you are probably under some stress after the trauma of your wedding, you will not be fully availed of what you need to cover.

So, having decided that it is best to arrange your wedding and honeymoon insurance well in advance, what should you be looking for in a policy?

You will need to sit down and work out exactly what it is going to cost and then the cost of replacing each aspect of the cover with realistic values. It is more difficult than it sounds, but it is a darn site easier than if you try and do it in the departure lounge at the airport.

You should know what you have spent on the holiday, but you also need to take into account what you might be taking with you. For instance, you may well be taking some of the wedding gifts with you, so you will need to make sure that they are adequately insured with a sensible sum insured on each item, especially if there are any valuables. Typical things that newlyweds overlook are the wedding rings. These alone can run into hundreds of pounds.

You may be taking expensive equipment with you, especially if you are going on some kind of adventure type of a trip. Typical items are skis for example. They can be very expensive and it would be devastating if they were to be lost or damaged whilst you are away.

For those of you lucky enough to actually get married abroad, there are some further questions you must ask yourself about the need of insurance. If you are getting married abroad, you will have all the attire in which you got married, and one of the most expensive will be the wedding dress. Some modern dresses can range up to £5000 a go, so make sure that you have adequate cover for it. You will almost certainly have to hawk the wedding gifts around with you, so make sure that you have adequate theft and loss or damage cover for these as well.

For those of you who are venturing further afield than Europe and especially what is known as the Eurozone, you will need to make sure that you have an adequate travel or honeymoon insurance that reflects this. Most companies will have a world wide type of policy available, but make sure that the country you are travelling to is actually one of those they will accept. If you are travelling to a country that has particular hazards attached to it, either weather wise, or near a war zone, you will need to check any exclusions to make sure that you have the right cover before you go.

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