Weddings are not cheap. Weddings in Singapore, in particular, can cost as much as a small house in another country. With all the money that you’re spending on your venue, photoshoots, outfits, and catering, the last thing you’d want is for an *touch wood* incident to derail your wedding plans and flush all that money down the drain.

Few brides realise wedding insurance exist in Singapore. These policies might offer you a payout in the event your wedding is cancelled, or compensation for screw-ups like the best man dropping the rings into a toilet bowl.

Here are three red flags that indicate wedding insurance might be a good idea.

1. There are health issues in the family


If your family is superstitious, there are many situations where it would be unlucky to go ahead with your wedding. For instance, if a member of your immediate family should become very ill or pass away, you might have to postpone your wedding, often at a great cost.

For instance, in ethnic Chinese families, if one parent passes away, the bride or groom is required to either hold their wedding within 100 days, or to postpone it for another 1,000 days—that’s a whopping three years. If your family is the very superstitious sort, any illnesses in the immediate family should be taken seriously, as you might have to reshuffle your wedding dates to accommodate should something happen.

Having insurance also means that if the bride or groom is hit by a bout of food poisoning, he or she won’t be forced to march down the aisle with a green face.

2. Your wedding is super expensive


The more you spend on your wedding, the more you stand to lose should something happen. If you’re throwing a budget $2,000 wedding in a no-frills space, then you don’t have that much to lose if something rains on your parade.

But if you’re throwing one of those $50,000 weddings, you stand to lose a lot of money.

This is especially so if you’re engaging a wedding services agency or bridal studio to handle the event. There have been cases of agencies just disappearing, as in the case of For You Wedding Services, which recently vanished with at least 6 clients’ money (in deposits/installments), totalling up to over $100,000. Ouch.

3. Your wedding is very elaborate


The more components and the more vendors you’re working with, the higher the likelihood of something going wrong. If you’re renting a white horse to take you down the aisle on horseback and engaging Jay Chou himself to sing at your wedding, it would be wise to get some insurance in case one of these service providers makes a mistake or shuts down, like this bridal shop did.

Some wedding insurance policies will cover mishaps such as your wedding photos and videos being corrupted, damaged wedding outfits and delays. Make sure you read the details of the policies you’re considering to identify the ones that are most useful to you.

So… where can you buy wedding insurance?

Bad news: there aren’t that many insurers that provide wedding insurance (but if you do know of one, let us know!).

Online, Pacific Insurance Brokers seems to be the only insurance company with a wedding insurance policy that protects you from damage or loss of wedding attire, rings and documents as well as the deposits you have placed for external vendors, like photographers or videographers.

Wedding insurance cannot help you in the event of a breakup hor

What happens if there’s a breakup? Unfortunately. wedding insurance usually does not cover wedding cancellations borne of a change of heart. Read the policy closely to see if there’s a “change of heart” clause.

Text: Joanne Poh
The post 3 Reasons You Might Want To Consider Getting Wedding Insurance first appeared on the is Singapore’s leading personal finance portal that helps you to maximise your money. 


Lowkey stressing out over wedding planning? We’ve gotchu sis! 

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