Reduce Stress with Wedding Cancellation Insurance

Wedding cancellation insurance really is a rather depressing prospect, but it really should be considered if you are arranging your wedding to happen in the next year or so. I got married last year and didn’t take out insurance, as it turned out I didn’t need to they day went perfectly but thinking back it could have been a very different story.

When we started planning it didn’t occur to either of us that we should take out any wedding insurance - to be honest neither of us even knew that you could get insurance for weddings. As the big day grew closer and closer thoughts started ticking through my mind; what if so and so doesn’t turn up, what if this doesn’t happen what if that doesn’t happen. There was a lot of things coming together at all of the same time and if just one of them went wrong the whole day could have been ruined.

By most peoples standard we had a small wedding, there were just twenty people for a sit down meal and fifty or so for some music in the evening, we didn’t want a massive pompous affair we’re down to earth people so if a few things went wrong we’d have worked around it, but there were some things that could have been real show stoppers. I came up with a list of all the things that could have throw a spanner in the works and arranged them in order of seriousness. The top is the most serious.

1. Wedding Venue
   Out of all the things that were likely to go wrong I knew that the venue that the actual wedding was going to take place at was the least likely, we were getting married in a church and as far as I’m aware in the UK churches don’t go bust.
2. Reception Venue
   At the time we were getting married (the beginning of the global recession) hotels and leisure venues were beginning to feel the pinch, and it was a possibility that our venue could be in jeopardy. A potential venue we were looking at did actual go bust before a wedding – did they warn us – of course not. Not more than a month after our wedding the venue that we did actually choose did go in to receivership. Like I said at the beginning we were lucky.
3. Photographer
   The photographs were one of the most important aspects of the day for us, it was the photographer that was going to give us the lasting memories of a wedding day. We are both creative people and have a real eye for detail so choosing a photographer was one of the most difficult things for us. If our photographer hadn’t of turned up we would have both been very upset.
4. Flowers
   There would have been one seriously upset bride of the wrong flowers turned up or didn’t turn up at all!
5. Music for the wedding venue
   The day would have been rather quite without music at the wedding venue and to have arranged some musicians that could play the music we wanted at short notice would have been difficult.
6. Caterers
   If the caterers didn’t turn up we would have had some unhappy guests, it could have been worked around though. You can always get food at short notice and in my experience no one ver remembers the food from a wedding.
7. Music for the reception venue
   A disco would have been relatively easy to have replaced for the evening, there are quite a few around. The thing about ‘mobile’ disco’s is that generally they are run as a secondary business to earn a bit of cash on the side – this makes them somewhat of an unknown quantity.
8. Transport for the bride to get to the church
   Like the musicians we could have easily found a car, but would it have been the car we wanted at the price we’d arranged – very unlikely.
   

You’ll notice that the bride or groom getting cold feet is not included on this list, and for good reason – I don’t think you’ll find any insurance policy that will cover this!

Of course wedding insurance can’t stop things going wrong, but what is does do is give you the peace of mind that if something does go wrong and you need to get a replacement in a hurry – the cost will be covered by the insurances. Let me tell you and you may have already figured this out - when you put ‘wedding’ in front of meal, disco or venue the price suddenly doubles and further to this if you put ‘short notice’ and ‘wedding’ in front of anything the price will quadruple. I’m being slightly facetious here but in all seriousness people do charge a premium for weddings and for turning up at short notice.

I’m not writing this article as a scaremongering exercise – I’m a positive thinking, glass half-full type of person but as a started off writing there are a lot of unknown entities that all need to come together at the same time and it was this that made me feel uncomfortable. As well as the nerves of actually getting married there are a lot of other things to get worried about and if I had taken out wedding cancellation insurance I think that a few worries could have been taken off my mind.