The problem with wedding insurance is that it doesn’t seem very romantic. Weddings are a time for being optimistic and hopeful – the future is looking bright and cheerful. The problem is that reality doesn’t always see the future as brightly as you do, and being hopelessly wrapped up with the cute romanticism that surrounds decisions pertaining to whether pink flowers or mauve would look best, doesn’t help the future become any safer or more predictable.
I wouldn’t want to bring a damp spirit over anyone’s wedding, so let me be brief and take just two minutes of your time out of planning your wedding to raise the issue of insurance. The problem is that no matter how well organised you think you are, you’re not. Regardless of how detailed and thorough your plans, they will almost certainly be of no value. Perhaps if fate smiles upon you, then you’ll be amongst the lucky ones whose weddings pass with no problem at all, and you both live happily ever after. Meanwhile back in the real world someone, somewhere will be experiencing awful problems, from the caterer not turning up to the photographer dropping his camera and losing all your wedding pictures.
Sadly, no matter how detailed your plan, there is one thing you can’t plan for, and that’s the unforeseen accident, the virtually unheard of calamity and the simply unbelievable accident. Every year thousands of couples tie the knot, but similarly hundreds find that their plans have to either be delayed, or significantly altered at the last minute at very substantial cost.
Your wedding will probably have absorbed a very considerable proportion of your available finance, and whilst making decisions regarding whether to have four tiers or five for your wedding cake, you may start to consider that £30 either way could make a difference. But how would you feel if your caterer went bankrupt the week before your wedding? If you’ve spent every available penny you had on the wedding, then you may be looking at handing round fairy cakes instead – not quite what you’d had in mind.
Similarly, accidents do happen, and the number of photographers whose cameras are either broken, lost or stolen is quite remarkable. Sadly, in each case all of the wedding photographs may well go missing – and this really is a deeply distressing situation. No bride or groom will want to have their special occasion pass without formal, professional pictures, but how would you manage? The choice would be to cope with Aunt Edith’s rather blurred pictures in which the groom’s head is usually chopped off, or spending hundreds of pounds on a professional photographer to retake the pictures, with hundreds more pounds spent on getting everyone back together, hiring outfits, and possibly a venue.
Faced with this kind of disaster, you will almost certainly want for nothing less than the very best option available, but if money is tight or limited, then the best option may also be impossible, and you’re left with a very disappointing situation with which you will be stuck forever. However, there is good news, and for the sake of just £30 or thereabouts you can completely cover your wedding with a wedding insurance policy. Having your wedding insured means that should anything significant go wrong, such as in the examples given above, then the one thing you won’t have to worry about is finding the money.
If the caterer does go bankrupt, then you’ll still be able to access money to organise an alternative provider. If the limousine driver has had his license revoked, you’ll be able to find an alternative, and if the photographer drops his camera, or accidentally deletes all the digital files, then you’ll be able to claim the money needed to restage your wedding scenes, and have the pictures retaken. It’s only around £30, and when planning your wedding, that’s usually just a drop in the ocean, or a packet of balloons.
Wedding insurance does vary though, so it will be important to sit down for a few moments, put the romance and idealism to one side and consider the worst case scenario. Compare wedding insurance policies, and have a look at your home insurance policy too in case anything might be covered there too. Once you have organised your policy, you are then free to ignore the pessimistic side of insurance and enjoy the blissful optimism with which you will have been filled since the day you said ‘I will’.