Provided by RS Risk Solutions Ltd
LIFE
The Value of Wedding Insurance
Your wedding day can be one of the most beautiful and monumental moments of your life. Yet wedding celebrations can also be significant financial investments; in fact, A wedding planning website reported that the average wedding costs more than £20,000. Lacking appropriate preparedness could derail your day and lead to expensive losses. Fortunately, wedding insurance can financially protect you in the event of circumstances beyond your control, allowing you to enjoy your special day with peace of mind.
Consider how the following insurance cover options may limit potential losses:
• Cancellation or delay cover – Planning a wedding often requires enlisting the assistance of several suppliers. Should unexpected circumstances mean that a supplier (eg your venue provider) can’t honour your booking, this cover type can help recoup lost deposits and pay for additional costs.
• Personal liability cover – If you damage the venue during your celebrations (eg cause damage to the venue’s furniture), this type of insurance could help offset any associated losses. Certain policy endorsements may extend this liability cover to the guests attending your wedding.
• Personal property cover – Your wedding may, involve valuable items, such as dresses, tuxedos, veils, jewellery, gifts and photographs. Personal property cover can play a key role in financially protecting you from incidents in which these prized possessions are lost, damaged or stolen.
Wedding insurance may prove to be a vital precaution in both the lead up toy our wedding day and on the big day itself, playing an essential role in providing financial security and peace of mind.
However, wedding insurance policies can differ; always review the conditions of your chose policy carefully and enlist the assistance of an insurance professional.
Contact us today to learn more about wedding insurance or to compare personalised quotes.
HOME
Using Fireworks Safely
The bright lights and crackling explosions of fireworks are commonplace during November as numerous firework displays take place in honour of Guy Fawkes Night. However, given that these explosives are readily available and often used at home by non-professionals, they also contribute to many injuries, fires and other accidents.
Without taking proper precautions, a fun evening of festivities and fireworks can quickly become dangerous and disastrous. Keep yourself, your family and your neighbourhood safe by following these safety tips:
• Use fireworks only while outside and in a large open area, and keep any guests and spectators at a safe distance.
• Avoid attempting to make your own fireworks or modifying store bought ones.
• Do not allow children to handle fireworks, and closely supervise if they play with sparklers.
• Immerse used and malfunctioning fireworks and any debris in water before disposal. Never attempt to reignite a defective firework.
• Keep water nearby while using fireworks in case you need to extinguish a fuse or put out a fire.
• Avoid placing lit fireworks in plastic or glass containers.
• Wear safety goggles when handling and lighting fireworks.
• Do not hold a firework that has already been lit in your hand or position your body directly over one.
• Read all manufacturers guidelines and adhere to any instructions.
• Follow all regulations regarding the use of fireworks, especially as they pertain to the time of the day that fireworks can be used and the category of the fireworks are permitted.
For additional home safety guidance, contact us today.
MOTOR
Understanding Dangerous Driving
Road safety week takes place from 17th-23rd November 2024. This annual event aims to raise awareness of the devastating effects of road traffic accidents. More than 1,700 people die on UK roads each year. Many of these accidents may have resulted from dangerous driving.
Its essential to understand what dangerous driving is and how to report it to keep yourself and others safe on the road. Dangerous driving occurs when a persons driving standard falls far below expected standards. Examples include:
• Speeding or driving aggressively
• Ignoring road signs and traffic lights
• Driving under the influence of drink or drugs
• Using a mobile phone behind the wheel
If you see dangerous driving and there is immediate danger, dial 999. Alternatively report a minor incident to the police non emergency number 101. Always make sure you’re parked before making a call.