Mine covers stuff booked before the insurance (luckily - I'd already booked most of the big things!) so definitely read the T&C. I used http://www.compareweddinginsurance.org.uk/ because I wasn't really sure what I was doing, so it helped seeing all the options in one place.
I used debenhams and am pretty sure that they covered the deposits that we had already paid. If I were you I would give them a ring in the morning to check, just to put your mind at ease.
I used E and L and they cover deposits made before you take out the insurance. I think most do tbh.
I went with InsureForWeddings in the end - can't totally remember the reasons why, but it seemed like a good option!
Do E & L definitely cover payments made before the insurance was taken out?I just took a policy out with them a week or so ago and read in the Terms that they DONT cover payments made previously..
Now that I know there are companies out there offering this I'm going to try and cancel my E&L and take out a different one as we had already paid our venue deposit and my dress deposit!
We took out E&L but ours DOES NOT cover deposits prior to the insurance policy. I took out the policy online and then once they emailed over the confirmation (within 30mins) I then went and paid the deposit on the venue the next day.
MrsW2b13 you will obviously pay more for a policy that covers deposits already paid, and check the cancellation policy for E&L as you may not get much back.
Luckily, we've managed to cancel our E&L without losing any money as we did it within 14 days!
We'd rather pay an extra £20-30 and know the chunk of money we've already spent is covered, thanks for letting me know there are those policies out there!
I booked with Ecclesiastical after lots of research into it and recommendations.
They cover deposits already paid.