If you’re still wondering whether it’s worth taking out wedding insurance, then here are a couple of things to consider. People often cry at weddings, but usually they’re tears of sentiment and happiness. However, it is a sad fact that from time to time the tears shed at weddings are not ones of happiness, but of sadness, anger and frustration at the behaviour or actions of others.

This can include guests, staff or even passersby – with so many bodies shuffling about it’s impossible to keep an eye on everyone all the time, and this is why so many thefts occur at weddings.

Of course, it’s the perfect opportunity, with a whole table of wedding presents, many of which will be quite expensive, all of which will be brand new, and many still wrapped. For the would be thief, either planned or opportunist, picking one of these up unnoticed is simplicity itself, and who’s going to question someone at a wedding holding a present? It takes just seconds to hide, and as none of the guests will know all of the other guests, anonymity is almost guaranteed.

But it’s not even just theft which should be considered. The combination of too much alcohol, an overdose of emotion and a large number of people often results in damage being caused, either to clothing, the building, the furniture, the presents or to another person. Guests aren’t generally required to have their own insurance policy before attending your wedding, but legally you may well be responsible for any damage they cause.

If you’re happy to spend your wedding guarding anything potentially valuable rather than mingling with your guests or enjoying yourself, and if you’re happy to pay for any and all damage caused by any of your guests during the day, then good luck to you. However, if you have the slightest doubt at all, perhaps it might be worth re-considering that wedding insurance policy…