(Closed) To insure or not to insure?

posted 5 years ago in Logistics
Post # 3
Member
7753 posts
Bumble Beekeeper
  • Wedding: November 1999

The rule I once heard: “Don’t insure if you can afford to cover it yourself”.

Post # 4
Member
259 posts
Helper bee
  • Wedding: June 2013

@JplusJ:  If you look into wedsure or check with your current renter’s/homeowner’s policies, it can be as low as $150-$250 to insure. If you are concerned about issues coming up, the cost to insure may be worth it.

Post # 5
Member
1048 posts
Bumble bee
  • Wedding: May 2013

My venue required it so I had it done months ago.  It’s a relief honestly.  Imagine someone (God forbid) leaves your wedding drunk and causes and accident where someone gets really hurt or killed.  You and your new husband would be held liable.  That’s how our venue explained it to us.

 

Post # 6
Member
2440 posts
Buzzing bee
  • Wedding: March 2012

We bought insurance and I’m so glad we did.  We won limo service in an auction for ridiculously low cost and like two weeks before our wedding when I called to confirm, they cancelled and told us “we won’t work for peanuts” even though it was for charity.  But anyway, we contacted our insurance company becuase the limo guys wouldn’t even return our money because they said we could have service a different day or airport transfers for that price but not for a wedding, and the insurance company had us hire another company, pay them, and then sent us a check for the amount plus a refund of our original limo amount so we ended up getting our limo completely free, minus how much we paid for the insurance originally, which was like 100-200.

So yes, I definitely recommend it.

Post # 7
Member
2269 posts
Buzzing bee

@janetsnakehole:  Seriously?

If a guest leaves your wedding drunk and causes an accident where someone gets hurt/killed you’re able to be held liable!!

That’s insane.

Post # 8
Member
137 posts
Blushing bee
  • Wedding: May 2014

@janetsnakehole:  I agree, and they say it’s cheap through your homeowner’s insurance. We don’t own a home yet but my parents are able to do it through theirs.

Post # 9
Member
1048 posts
Bumble bee
  • Wedding: May 2013

@Mischka:  Yes, just like a bartender/bar/restaurant would be held liable if they knowingly allow someone to leave and drive drunk and cause an accident.  Same if you have a house party of any other type of event where someone does the same.  The insurance I got is for either half a million or a million in liability coverage and cost $180 bucks.  I used wedsafe.com and it was quick and easy and they even emailed the contract and proof of payment to the venue for me.  Adding on cancellation insurance is more expensive but we didn’t need to do that.

Post # 12
Member
7753 posts
Bumble Beekeeper
  • Wedding: November 1999

@janetsnakehole:  “Yes, just like a bartender/bar/restaurant would be held liable if they knowingly  allow someone to leave and drive drunk and cause an accident.”

Yeah that’s insane too. What are they meant to do, chain them to stop them walking out the door?

Still, if that’s the law where you live, what can you do?

Post # 13
Member
2440 posts
Buzzing bee
  • Wedding: March 2012

@JplusJ:  it was through Wedsafe.  I just looked our policy was $180.

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