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Admittedly http://www.teammlbcubsshop.com/authenti … bs-jersey/ , wedding insurance is the last first thing you on your mind when the love of your life asks you to do him the honour, but this guarantee shouldnt be forgotten on your big day.

Him (down on one knee): Will you do me the honour of becoming my wife.

You: Yes.

Now you picture yourself wearing an Alberta Ferretti dress, in a capacious country manor party as you proudly exhibit a sparkling Lucie Campbell platinum ring. Public liability, Actual Cash Value or how you are going to get the best Wedding Insurance providers for the job, however, are not at the forefront of your mind.
So why would you insure your wedding day?

Insuring your wedding day is effectively accepting that something could go wrong, and although major wedding disasters happen everyday, wedding insurance is often not on the list.

Although the number of couples getting hitched has fallen by 39 over the last 40 years, according to the Alliance Trust research centre*1, the average wedding price tag has shot up. Working out how much it costs to get hitched can be really tricky as there is always something you forget. However, smart insurance companies provide wedding budget planners so that the margin for error is smaller.

The most expensive wedding recorded to date was for a Shiek s son. It was held in a purpose built stadium in Dubai and cost more than 22 million. It was estimated http://www.teammlbcubsshop.com/authenti … bs-jersey/ , in March 2007, that the cost of a modern wedding in the UK is approximately 17,000*2; a huge investment and risk considering wedding insurance policies start at just 30.

The top ten Claims are:

1)Damage to wedding attire
This is useful if drunken Uncle Nick is his usual tipsy self and spills red wine over the grooms bespoke Gresham Blake charcoal worsted suit!

2)Re taking the wedding photos
It takes a while to find a photographer with a like minded artistic vision and the average cost of getting the right snaps is 400*3. Dont loose out if your photographer forgets to load the film!

3)Cancellation of the whole wedding due to illness or bereavement of the immediate family
With a 17,000 price tag, an illness doesnt have to mean starting from scratch. In the worse case scenario, insurance should cover you and make it possible to postpone, not cancel, your big day.

4)If the caterers dont show up
Too many people have been swindled out of money when caterers dont show up and no one wants hungry guests and no cake. Ensure that unreliable suppliers are covered in your policy.

5)Loss of wedding rings
Losing your ring is not uncommon; messy stag and hen nights often end in ring disaster, but a comprehensive policy wont just cover you, but everyone in your wedding party including your grooms irresponsible best man. Sadly insurance cant cover the damage caused by his speech.

6)Failure of wedding transport
Whether an elusive horse and carriage, or a vintage car that runs out of petrol http://www.teammlbcubsshop.com/authenti … bs-jersey/ , remember that policies should cover no shows as well as the cost of rearrangements!

7)Cancelation of the venue due to a double booking
Admittedly, youre going to want to murder the person responsible for a double booking, well him or the other bride, but things could be worse. Take a deep breath and remember that your wedding isnt being cancelled, you still have a groom and your dress is definitely nicer than hers. Then call up your insurers and get a better venue too!

8)Public liability property damage
Public what? Ah yes, this is important. If your gorgeous grooms granny falls and bruises her ankle, or the maid of honours teenage son ( aka the devil child) decides to kick a ball through the sash windows of your beautiful venue you wont be shelling out thousands!

9)Wedding presents being lost or stolen
Finnish brides traditionally went door to door collecting gifts in a pillowcase, accompanied by an older married man who represented a sustained marriage. The presents are one of the best bits about getting married so its important that they are safe.

10)Financial failure of suppliers
In the credit crunch it is more likely that small businesses fail to deliver, so dont let their liquidation spoil your big day and instead ensure that the failure of all your suppliers is covered in your policy.

Unfortunately insurance doesnt cover every disaster. In this country it is not unheard of to have rain during summer in the UK and brokers are yet to come up with a way of insuring against cold feet on the day, both literally and metaphorically. Good wedding insurance can, however http://www.teammlbcubsshop.com/authenti … bs-jersey/ , offer great peace of mind at a very affordable cost. Negotiate good cover with a reputable company and then enjoy the day, even when the unexpected occurs!

*1 Alliance Trust research centre
*2 Costs are exclusive of honeymoon costs, You and Your Wedding Magazine research, June 2008.
*3) Wedding Guide UK
Author's Resource Box

To view the wedding budget planner click http:www.ecclesiasticalourproductsinsuranceweddinginsuranceexpertweddinginsurancebudgetplannerindex.aspx here Jo-Rosie is a digital copywriter from Brighton. Currently writing on behalf of many clients at Leapfrogg Digital Marketing Agency, she has a degree in Applied Psychology and has completed her NCTJ.

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