- 5 years ago
- Wedding: January 2014
The rule I once heard: “Don’t insure if you can afford to cover it yourself”.
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.
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.
@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.
I am not looking for liability, my venue covers that. I’m looking for protection against vendors. Honestly I’m mostly concerned(as insane as it sounds) since we are having a destination wedding and I had horrific experience with an airport and snow that got me stuck for about a week around the time of our wedding a few years back so if that type of thing happens I wasn’t to make sure I am covered
@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?
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