Wedding Insurance is  –  an insurance policy that covers your wedding and financially protects you against  misfortune and mishap.

All have spent months planning your wedding day and probably spent thousands of dollars. Unfortunately, all of your careful planning cannot protect you from unforeseen disasters. Just like we have life insurance to protect our life, car insurance to safeguard our car and health insurance to secure our health, we have wedding insurance to ensure our wedding goes off smoothly. Insurance cover is offered for postponement or insurance cancelation of wedding, as they cover accidental death of a close relative or bride or bridegroom, burglary of jewellery, valuables of the insured gifts (wedding suits, sarees, silver articles, etc) and so on,  and damage to marriage halls by forces such as fire, lightning, domestic (in-house) explosion and terrorism attacks.

Different insurance companies have different types of wedding categories. Some of the most common ones include: personal accident, postponement/cancellation, damage to property, burglary, money and public danger. The period of insurance is 24 hours prior to the start of the customary functions or rituals or programmes of events mentioned in the printed invitations till the end of the function or five days from the beginning whichever occurs earlier.

Insurance covers:-

1. Expenses actually and already incurred or advances paid in connection with marriage hall, cooks, catering, purohits, priests, pundits, beauticians, decorators, accommodation reserved for the bride, bridegroom, guests, music parties, photos and videography and entertainment programs .

2. Loss on cancellation of travel tickets, forfeiture of caution or security or deposits. Liability is restricted only when such cancellation arises out of cancellation or postponement of marriage itself due to any of the causes mentioned above .

Insurance Cover doesnot cover:-

1. Dispute between marriage parties

2. Willful negligence

3. Criminal misconduct of the bride, bridegroom or their parents

The choice is really yours whether to get cheap wedding insurance or to get a comprehensive one. While more coverage entails more costs, it also entails more protection.

Motorbike insurance has become a sheer necessity due to considerable increase in the number of casualties. Are you worried about hefty cost of motorbike insurance? Saving money on auto insurance is no secret, but most of us don’t understand that it is equally applicable to motorbike insurance, as well. An inexpensive motorbike would mean low cost motorbike insurance, just like economy cars insurance costs lesser than luxury cars. Therefore, first thing to consider is to choose for a mid range bike, if you are a casual rider. Here, we are going to discuss some of the simplest things that you should always consider to find low cost motorbike insurance and enjoy safe ride.

Bundling more than one policy can save your ample money for example, you can go for home and auto insurance with the same company and enjoy amazing discounts. The best thing is it is applicable to motorbike insurance, as well. If you have ample sources then you should opt for higher deductibles, which is inversely proportion to lower premiums, irrespective to what you are insuring. This would significantly reduce the annual premium and you will feel less burdened.

You can store your bike in the garage, when idle and earn discounts on the motorbike insurance. Some other effective modes are joining a safe rider class or taking up a motorbike club for defensive driving. These are general behaviour and may not save much of your penny, but would definitely avoid any accident. This will reduce the chance of filing the claim. Never drive drunk, as maximum motorbike deaths comprise of a drunken rider. Make sure to update the bike, as well as the policy. For any sort of addition, make it a point to update your insurance agent. Always wear a helmet for safety and drive safe. For the most low cost motorbike insurance, search World Wide Web.

Certain models of motorbikes are more expensive than car, thus making it a target for thievery. Moreover, the risks of accident among bikers are quite high compare to drivers of four wheels which has made motorbike insurance costly. However, there are a lot of ways in which you could obtain cheap motorbike insurance.

Basically, all insurance companies offer three major types of motorbike insurance, which are the Liability, Collision and Comprehensive Insurance. Liability insurance does not cover you and your motorbike but covers the other people who are involved in the accident. Collision Insurance covers the damages incurred to you and your motorbike, while Comprehensive Insurance covers motorcyclist against fire, vandalism and stolen motorbike.

In looking for cheap motorbike insurance, motorcyclist should realise that insurance companies does underwriting of insurance application based on certain points. One of them is your model of the bike. Expensive motorbikes faces higher risk of being stolen, thus the price for insurance is normally higher. Another factor is your age; younger drivers are known to be inexperience and sometimes reckless driver, thus they will also be charged with a higher premium.

To qualify for cheap motorbike insurance, a good driving record is required. Being involved in pass accidents or traffic offences will tarnish your record and stop you from being offered cheap motorbike insurance. Staying in laces with high crime rates also means paying more for motorbike insurance. The risk of the motorbike getting stolen is higher compared to safer neighbourhood. Having a job that requires extensive travelling will not get you a cheap motorbike insurance due to the daily risk involved.

Other ways that an insurance company considers before giving you a cheap motorbike insurance is how well you put effort in keeping your bike safe. Some important tips to securing a cheap motorbike insurance is to fit an alarm to your motorbike, install a tracking device to enable police to recover stolen motorbike and fit an immobiliser to disable the motorbike whenever the ignition key is removed form the keyhole. Some insurance company offer online checks and applications to expedite your requirements to see if you are qualified for cheap motorbike insurance.

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