Wedding insurance is fantastic for covering a wide range of unforeseeable circumstances, including a wide range of medical conditions. However, it is important to be aware that there is one medical condition for which you will find it impossible to obtain cover: cold feet.
This was discovered just recently by a young couple and their family who were getting married in Austria. In fact they did get married, the ceremony went well and everything seemed to be going perfectly. After the wedding there was a brief lull in proceedings before the reception, and it was during this lull that the proud Father of the Bride wandered into the kitchen and had the surprise of his life.
Don’t tell the Bride
As he entered the kitchen he discovered his new son-in-law enjoying a pretty intimate relationship. This might well have been bad enough had the woman in question been the Bride. But she was not. The only very recently married Groom was having a pretty intimate affair with one of the waitresses.
In a demonstration of extreme self control the father of the Bride simply sent all of the guests away without any explanation or fuss. He and the Bride then headed straight to the wedding Registry Office to demand a divorce. As is the case in the UK, this was refused and she was forced to remain married to her unfaithful husband for six months.
Unlike in the UK, whether unfortunately or not is for you to decide, under Austrian law the husband was forced to pay the Bride alimony once the divorce was permitted.
Although a pretty unpleasant experience, and a rather uncomfortable six months, in the end the Bride got both her freedom and a significant sum of money. The Groom also managed to get what he wanted as well. He is now married to the waitress.
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Does wedding insurance cover cold feet (“change of heart”)?
But this situation is one in which wedding insurance would be of no help. Having a decent wedding insurance policy is essential, and does cover almost every aspect of the wedding, but in the UK there is not one single insurance policy that we’re aware of which will cover either party changing their mind and pulling out of the wedding. Unfortunately every year there are plenty of couples who do end up cancelling their wedding as a result of cold feet, or discovering that their future partner is less than faithful, and this can be extremely expensive decision.
Even in the US, where insurance and litigation rule the roost, there is only one wedding insurance company which offers to cover cold feet. Technically they call it a ‘disinclination to marry’, and there are some specific restrictions, such as the fact that the insurance cover can only be purchased by the person who is financing the wedding, and not by either the Bride or Groom. Under this ‘disinclination to marry’ a claim can only be made if the wedding is cancelled at least 180 days before the event.
But whilst cold feet, chilly toes or frostbitten ankles will not be covered by any policy, is important to appreciate that if it is not possible to even foresee your future husband or wife changing their mind about getting married, or at least about who they’re going to marry, it is clearly going to be much harder to foresee other problems far beyond the control of either the Bride or Groom.
From illness and food poisoning to being detained by the police, and from flooded venues to bankrupt caterers, unforeseen problems come with only one foreseeable consequence: a significant loss of money.
Since many wedding insurance policies start from around just £20, and the average wedding in the UK is only a shade under £15,000, whether or not you feel you can rely on your future partner to leave either the waitresses or the Best Man alone, at least you can rely on your policy to see you through.