The Top Ten Chart Of Wedding Insurance Claims!
by Adam Leyton
Without wishing to trivialise in any way the consequences of
wedding disasters, we are going to run through the top ten claims on
wedding insurance policies to show you why you really need it.
- Number one is damage or loss to wedding attire. In some ways
I am not really surprised about this because in my career as an
insurance underwriter I found that the blindingly obvious was
often the cause of most claims, whatever type of policy it was.
Spilled wine ripped wedding dresses and stolen items comprise
this particular aspect of weddings. They are simply the most
vulnerable, but it is only when you return these items that you
are faced with the surcharge by the owners.
- The next one surprised me a little. Retaking of the wedding
photographs is very common these days. You would think that with
modern equipment this would not happen, but there are a myriad
of other things that can cause the photographs to require a
- Cancellation due to bereavement we have covered in an
earlier article. This speaks for itself, but again, I was
surprised at how often this does happen.
- I personally cannot imagine how this could happen, but
evidently the caterers not turning up on the day is number four
on the list. More often than not, this is due to a
misunderstanding about dates and times rather than the actual
items they supply.
- How often in films do we see the old "best man lost the
rings" scene. Unfortunately it is quite a common event. I have
been a best man twice, and I must admit that I spent every few
minutes checking that they were still in my pocket! However, it
is not only the best man who can lose them. Evidently, brides or
grooms often leave them in the WC when they are washing their
hands and they are stolen.
- I have personally experienced this one. The wedding vehicles
do not turn up. Again, this is usually due to a misunderstanding
about dates and times, but sometimes they are about breakdowns
and accidents. It still causes great consternation all round
when it does happen.
- Double booking of the venue is fortunately going down the
list. This is a particularly nasty thing to happen, but more
often than not, it is caused by a misunderstanding when the
original booking is made.
- I was surprised to see that Public Liability claims were
even on here until I realised that there is an advertisement
every few seconds on television these days about making a claim
for an accident.
- In at number nine is the loss or damage to wedding presents.
This was high up on the list a few years ago, but thankfully,
people seem to be taking more care of their gifts than they used
- Last but certainly not the least is the financial failure of
the suppliers. This is becoming more topical as we speak because
of the financial situation in the country at the moment.
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