When planning your wedding, the last thing you want to think about is all the things that could go wrong on the big day. It hardly seems like a very romantic or optimistic train of thought in the run-up to a day full of celebration and love but, with the average wedding costing in excess of 瞿10,000, it would be imprudent not to seek some kind of safety net.
In current financial times, there is little job security and the investment required for a wedding can be a daunting undertaking. More and more businesses are suffering under economic pressures and whispers about downsizing or restructuring can cause incredible stress for those looking at investing thousands into their forthcoming wedding.
Like pre-nuptial agreements, wedding insurance can seem a little like looking at the glass half empty when it is close to overflowing, but a little time spent considering the potential catastrophes that could tarnish your day will quickly convince you that some kind of wedding insurance is a good idea.
Inevitably, there are many different wedding insurance policies available, and the majority cover the basics as well as the worst case scenario - having to cancel or postpone the whole event. While it is not possible to insure against a groom's absence on the big day or the bride running off with the best man, policies do offer cover for cancellations to due illness or bereavement in the immediate family.
One cost that is often overlooked when planning for a wedding is the prospect of having to pay legal fees as a result of a dispute with a supplier. For example, the catering company fails to arrive on the specified day or the florist sends black carnations instead of white lilies. While there is little that can be done on the day, afterwards there might a potentially expensive legal case against them for their failure to supply. Having wedding insurance will ensure you do not have to scrimp on your honeymoon in order to scratch together the finances to cover the legal proceedings.
As with any insurance policy, it is important to shop around and find the right wedding insurance policy for you. Some may be more suitable for couples marrying at an international location while others may just cover the basics. While it may be tempting to opt for the first or cheapest policy you see, make sure you read the fine print before committing to a policy to ensure you know exactly what is and is not covered. For example, some policies may cover wedding presents for the duration of the ceremony but then will not cover any loss or damage that occurs as the presents are being transported home.
The most comprehensive wedding insurance policies actually come with a stress counselling helpline that you can call when the burden of balancing work, home and wedding preparations all becomes too much. Research from a prominent insurance company indicates that planning a wedding is almost as stressful as buying a house, so this option may become more appealing as the process gets underway and the challenges become more apparent.
Wedding insurance is a great way to make certain that the money you have invested into your big day does not go to waste if fate decides to throw more than one hitch your way.
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