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9 things that can go wrong on your wedding day and why you should buy wedding insurance

09 Oct 2018

Don’t lose out if things go awry on your wedding day; the experts at Emerald detail what could go wrong and how wedding insurance can protect you

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The average wedding now costs in excess of £32,000 and with that in mind, wedding insurance has never been a more essential consideration. Yet, with the overwhelming amount to do in the run up to your big day, wedding insurance can easily get overlooked.

There’s so much riding on your special day and the pressure is on to ensure everything runs perfectly but sadly, no matter how organised you are, disasters or mishaps can happen and without wedding insurance, your dream day could quickly turn in to a nightmare. To avoid the unwanted and unnecessary stress of any unforeseen circumstances, wedding insurance will allow you to plan your perfect day with the peace of mind knowing that you and your payments are protected.

Emerald is an award-winning, inclusive insurance provider that can cover you from as little as £49. Emerald welcomes all couples to use its comprehensive range of services and is proud be the only wedding insurer to offer cover if a wedding supplier refuses to work with you for discriminatory reasons. Here, the team of experts share just nine of the potential disasters that can send your wedding into a downward spiral, while simultaneously demonstrating the importance of wedding insurance.


1. The venue burns down

It may seem unlikely, but fires can break out at any time and anywhere. Cottesmore Golf and Country Club in West Sussex had to cancel all wedding bookings until further notice this year because of a huge fire which ripped through the venue.

2. One of you – or any of the main wedding party - falls ill

Illness can strike when you least expect it, so never take your health for granted. Emerald can cover your lost costs if you need to cancel or rearrange your wedding.

3. The weather is so bad that your guests can’t travel

This Devon couple had to cancel their wedding day when Storm Emma put a stop to their wedding plans in March 2018. And while snow in spring is typically unheard of, the British weather is becoming more and more unpredictable. That can mean lost deposits unless you are insured.

4. Suppliers go bankrupt

Suppliers can unfortunately go bankrupt at any given moment for a multitude of reasons and usually without any warning. Wedding insurance covers lost deposits paid to suppliers in this case.

5. Someone drops the wedding cake

Imagine if the worst were to happen while your wedding cake is in transit and you’re left without the creative masterpiece that you spent hours agonising over come the big day. Wedding insurance covers loss or damage to the cake.


6. Your dress or outfit gets damaged

The pièce de résistance of your wedding day should be given your undivided attention as soon as you have found that outfit. When it’s in your care, be it a dress or a new tailored suit, extra protection can go a long way should there be any damage to an outfit.

7. You lose the rings

Consider how much trust you put in your ring-bearer to deliver the rings safely during the ceremony. If your wedding rings mean that much to you, you should ensure they are suitably insured.

8. Wedding gifts go missing

Whether theft or misplacement, sentimental wedding gifts that go missing will put a dampener on the big day as well as your wedding memories. 

9. Photos or video footage are destroyed

When the wedding has been and gone and you thought all your hard copy memories were secure, think again. Human error and accidents can happen, even to professionals such as photographers and videographers, so don’t take a chance on anything that is out of your control. Emerald can cover the additional costs of taking or retaking wedding party photos.

There’s only one way to spare yourself the upset of these potential problems, whether big or small; say “I do” to wedding insurance today and rest assured that your wedding arrangements are in safe hands:

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