Organising a wedding insurance policy seems to be a fairly simple task when considering the organisation of the wedding as a whole, yet it is remarkable how many people don’t bother with it because they see it as ‘just another thing to sort out’. Clearly it isn’t as exciting as choosing the wedding dress, designing the cake or choosing the wedding rings, but sometimes people’s faith in their impunity is quite remarkable. Sadly, as one enthusiastic couple found recently, this faith was just a little misguided.

It all began with their choice of venue, a charming little village chapel. A charming little chapel which just happened to be flooded, after which vandals removed half of the roof to sell the lead for scrap. Their choice of DJ wasn’t much better – he double booked and had to be replaced the day before the wedding.

They at least thought the transport would be all right – the beautiful horse and carriage looked simply gorgeous in the pictures, and the photographer had been primed to make sure he got as many pictures of the Bride arriving as possible. Two days before the wedding the horse died. It was at about this stage that the Groom suggested the Bridesmaids pulled the carriage – things were getting a little desperate and tempers were, as you can well imagine, just a little frayed round the edges.

Fortunately the remainder of the wedding seemed to go more or less as planned, and it was a few days later when the couple were excitedly anticipating seeing their wedding photographs that they received a call from the photographer. His assistant had inadvertently deleted the folder containing their wedding photographs.

The additional costs and expenses necessary in putting as many things right as possible in the shortest space of time possible was just another headache they could have done without, and certainly cut short their hopes of being able to put down a deposit on their first home. Sometimes, admitting that you’re not omnipotent and signing up for a wedding insurance policy isn’t such a bad idea.