Getting Married Or Engaged
Insurance Before And After Your "Big Day"
Congratulations on your engagement!
It is a fabulous time for you at this moment in your life. We at Crosby Insurance Brokers hope that you cherish each and every moment.
Your Wedding Day should, as may expect be all about you and your fiance new life together. To help you understand and avoid those unnecessary pit falls that can spoil your day, I have put together my advise here on what to consider...
If you are thinking about having your wedding celebrations at a restaurant, banqueting hall or something similar, I would advise your to ask for a copy of their Public liability cover and make sure it is in force on the day of your wedding. You will have a lot of guests, family, friends and maybe some waiters and other support staff to make your day go like clock work. The smart thing to do is ensure that the venue carry an adequate level of liability cover of at least £1 million of Public Liability insurance.
If you decide to get married at your home, as an alternative, let your qualified Crosby Insurance Brokers representative check your Homeowners Insurance policy so that we can confirm if you have the right cover in place.
My advise is that you let one of my experts explain our Wedding Insurance Cover to you. Not only will it include your legal liabilities but the gifts and other extras you may have been given to you on the day.
With our Wedding Insurance Cover we can make sure that the most important day of your life goes smoothly knowing if the something unforseen happened we can step in and deal with your claim.
Motor Insurance For A Married Couple
Another benefit of being married is that many insurance companies regard married couple as being lower risk, but in the minds of your insurance company you're seen as new and improved people.
Why should that be?
Insurance companies when researching their claims the data shows married people tend to be more responsible (Although insurance companies are uncertain why statistically why). But it's enough to know that as far as Insurers are concerned you are now a lower motoring risk.
As a consequence, you will find to begin with that you will experience insurance discounts. Indeed, you could see discounts as high as 25% being applied to your Car Insurance premium calculation when insurers sit down and calculate your premium. The insurers system is automated of course, so don't forget to tell your insurers as quickly as possible that you are now married and claim your married person discount. You can also ask for the change to take effect on the day of the wedding as long as you rang up prior to the wedding day and told your insurers. I would recommend you contact them 2 weeks before the wedding with the change of your status being carried out on the wedding day.
You would need to inform your insurers of the change of name also, so that they can issue a new Certificate of Motor Insurance to you.
Another option to take into account is our Multi car policy, many of the insurers will discount the premium because you are now married but also if you add the vehicle onto one single policy to cover both vehicles. You can start with one car and add the spouses car when it due for renewal and claim the married couple discount as well as the Multi Car discounts.
Also rember that you will need to change the name on your drivers licence for your wife and also the address if you haven't already done so.
If you would like to know how good our multi car deal really is then contact Crosby Insurance Brokers. You will find that our motor insurance experts will help you find the right cover, claim the maximum discounts available but get you one of the best Motor car insurance cover, it's what we do to ensure you get the absolute great deal at the best possible value, for you and your spouse.
Homeowners Insurance for the Newly Married couple
Just like your car insurance lots of insurers offer great deals for married couples on their Home owners policy.
All of your possessions up to the policy limit (subject to an Excess)
- Your liability in case your actions cause injury to someone else or their property
- Building in which you live
- Contents of your home
- Accidental damage to all household contents available for an extra premium
- Personal possession you may take out of the home for an extra premium
A homeowners Insurance policy covers all of the above plus the homebuilding itself.
Valuables Cover For Personal Possessions Away From The Home
Whether you rent or are a homeowner, just got yourself married and no doubt received gifts!
You may have got some fine china, crystal or maybe some precious gems or other valuables? You could have been given an family airloom by your Great Aunt on your big day? Not to mention your engagement ring and wedding rings (The average wedding ring is £4,000)?
If you think about you may have been given quite a haul of valuable possessions, what you need to do get All Risks cover for your for all those special gifts and personal possessions. This will ensure that your protection is wide as possible and that these items will be covered anywhere away from your home the cover also includes them being taken on holiday abroad.
Your needs are fairly straight forward but like in all things insurance getting the right cover can be a little complicated, but that is why we are here, to give you free personal advise to get your cover right. So please Consult with one of my Household Insurance experts at Crosby Insurance Brokers and find out to protect those special possessions.
Indeed, Crosby Insurance Brokers knows how to provide a bespoke insurance cover as a homeowner and get the right cover for all aspects of your new married life. Let us help you find all the available discounts, like smoke detectors, burglar alarms, and good door & window locks and much more, let us find the right policy for you.
Your And Your Personal Liability
Just married or not, our society is more litigious than it has ever been and you can be held liable for many different things or a large settlement in a wide variety of unexpected situations. Unless you are a lawyer or solicitor by profession this type of claim will put you under pressure and not only phycological but also financially, it could put your marriage at risk before you even get started.
Thankfully our Home Owners insurance cover will provide you automatically with Liability insurance. We don't charge for this, but if you wanted to sue someone who had let you down, with poor or shoddy service or goods then for a small additional premium, less than £20.00 per annum we will appoint a lawyer to fight your case at no financial cost to you, as part of our Home Owners Legal Protection cover this adds an extra layer of protection over and above your homeowner's and motor policy.
You really need to discuss this with us at Crosby Insurance Brokers and we will explain how your liability cover works for you and explain how we can stand with you should a problem occur. Let us explain how we can help you avoid any legal liabilities against you.
Life Insurance & Pension & Cover For The Children
Researching your new Life Insurance needs with Crosby Insurance Brokers is exceptionally important at this point in your new married life. We will walk you through the various options (which there are many) and we will get you introduced to the leading insurance companies offering competitive premiums and great cover for you and your new family.
Six Factors - One Insurance Source
Insurance is very important to you and part of your new life. So, I know you want Crosby Insurance Brokers that's because I know we can provide you with the benefits you and your family need:
- Knowledge of all our insurance protection including life, home owners, motor, liability, business and more
- A consultative who will help you rather than a call centre hard sell approach
- We have a strong presence in our local community Stan Crosby market
- Our commitment will ensure that we will continue to educate you in being a better buyer of insurance services.
- Our pledge now and always is to ensure all our customers receive the very best advise and cover while always providing great value
Call 0191 565 7590 today and let us take care of your newly married insurance needs. We will help protect you for life!