Weddings are always a grand affair for both the contractors who are employed and of course the bride and groom. Traveling to the destination where you are being married is just one of the pieces in the puzzle that is, the wedding day. Many grooms like to turn up in a blazing red super-car and the bride, typically a plush and luxurious car such as a Rolls Royce is used.
These cars are needed to work and run perfectly, even though they are only used sporadically and for short distances, many antique or classic cars can struggle to perform the task. This is where wedding car insurance comes into it. The policy will cover for cancellation charges or if the car is to breakdown, causing the wedding to be postponed or canceled if the place of marriage has many weddings that day.
Wedding cars are typically used on weekends and only for short journeys. The are relied upon to carry the bride and groom after they have been wed to the reception area or to the airport for their honeymoon. Many cars which are used are rare and used infrequently, which can be prone to breaking down at just the wrong times.
Purchasing wedding car insurance is not only upholding the reputation of your company but also it gives you a financial safety net in case the nearly newly-weds file a claim against you. As wedding cars do not travel far, their can be special allowances made for limited mileage cars and an agreed valuation of the car in case of theft or total loss. This can make the task easier for the insurance company to offer a great price and make the insurance policy more affordable for you.
If the wedding car is to be laid up for a certain length of time, say over the Christmas period, there is a risk of damage or theft if the car is kept off the street. This again is where the agreed valuation comes into play. As a wedding car company, you will be making money from hiring out the vehicle, whether it is a kit car, an American muscle car or a luxury Rolls Royce. Therefore, it is important to understand that the insurance company will have to take into consideration loss of earnings which can also affect the premium price. Being covered for your income being stripped away from you if the vehicle should be stolen is a vital part of this insurance policy and one which could save you from financial ruin.
As ever with most car insurances, the policy will normally cover such instances as :
• Comprehensive coverage
• Windscreen coverage
• An agreed valuation of the vehicle
• Limited mileage discounts
• Excess starting from £150
• Introductory deals
• Discounts for a fleet of cars
• Replacement for a total loss
Weddings are not only a hectic time for the bride and groom, but make sure you have the correct policy for the vehicle.