Paul Fisher Insurance Services LLC

I was never a scout, but I do agree that you should be prepared whatever it is that you intend to undertake, but especially so if it is a major expense like a wedding. You would therefore need to have some form of wedding insurance.

In days or yore, when people honoured agreements and promises, the matter of cancelling a wedding was out of the question. People simply did not cancel wedding plans. This probably had something to do with the fact that they were controlled by parents. However, modern weddings, and by that I mean in the last 20 years, are usually planned and controlled by the bride and groom in association with the parents. In fact, the parents are often merely the providers of some or all of the necessary finance, although more and more couples are financing their own weddings.

Because weddings these days are typically costing £20,000 and more, it is not just a simple decision to cancel a wedding and re-arrange it. For most people, their wedding costs come only third in their list of most expensive items to their home and their car.

So, we are going to be looking, in the next series of five articles about wedding insurance, at the most common reasons to have to make a claim under your wedding insurance policy.

The number one reason why most people have to claim under their wedding insurance is cancellation. To make things clear, we are talking about unforeseen events causing cancellation, and not just somebody changing their mind!

One of the more poignant reasons why a wedding may have to be cancelled and thereby trigger a valid claim is bereavement close to the wedding date. This could be a close family member who would otherwise have been involved, or even the bride or groom. Unfortunately, it does happen, and when you have spent a large amount of cash making arrangements, you do not want to have to proceed with things whilst still suffering from the loss of someone close.

Another old chestnut is the venue. Amazingly, one of the most common reasons for cancellation of the wedding involving the venue, is that it has been double booked. Whether you would have any sort of legal claim against the venue owners is beyond the scope of this article, but you would almost certainly have a valid wedding insurance claim.

Cancelling a wedding these days is not some cursory decision made on a whim, because the financial implications are too severe. So, if you are involved, either as a bride or groom, or you are the parents of a couple who are planning a wedding, please make sure that the first port of call is to arrange wedding insurance before you put pen to paper arranging anything else. Be sure to evaluate every item of expense and add it together and add a little on top to come to a figure. You will be surprised at the total and you must be sure to cover your total expenditure before you complete the insurance documents and put them away.

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