Wedding insurance can often be viewed as being the way a pessimist approaches the planning of a wedding. Many brides have a rosy image in their heads of their dream wedding, but too often dreams can become nightmares, and the reality is that wedding insurance is not a pessimistic way of planning a wedding at all - but a realistic way.
After all, having wedding insurance in place isn't going to make the occurrence of some major calamity any more likely - it just means that should the unforeseen happen, then you needn't leap into the role of a barnyard fowl minus its top storey.
One of the current concerns many people have is of an infection or illness such as Swine Flu. With the Department for Health recently estimating as many as 181,000 new cases last week alone, the statistics weigh heavily in favour of a proportion of weddings becoming affected in the coming weeks and months.
None of us can be certain of our health, and especially not when a wedding may be planned months in advance. From swine flu to food poisoning, wedding insurance is essential in order to make sure that if the worst does happen and either the bride, the groom, or one of the principal guests contracts a serious or infectious illness, then you'll be covered.
Losing several days to sitting in a bathroom feeling wretched is bad enough - losing thousands of pounds due to a postponed or canceled wedding is likely to make anyone feel ill.
Of course, it's not just the wedding party's health which could scupper your best laid plans. If any of your suppliers falls ill, will they be able to provide the same service for which you have paid? What would you do if your wedding photographer contracted Swine Flu, or the florist was unable to deliver any arrangements because she had food poisoning?
Although it may feel uncomfortable, it's essential to consider just how fragile a wedding can be. With thousands of pounds, and often much more than a dozen different suppliers of goods or services, and with infections such as Swine Flu now reaching epidemic proportions, taking out adequate wedding insurance has never been more important.
Although one hopes that it will only be other people's weddings that will be affected by outbreaks of illness, and only other people who have to cancel a wedding, the hard fact of the matter is that whilst you can be certain that a number of weddings will definitely be affected, yours is every bit as likely to be one of them.
It's not something you can do much about, and certainly not something you should sit up late at night worrying about for months. As long as you have appropriate wedding insurance you can relax knowing that if Swine Flu or any other form of illness does affect your plans, you'll be protected - at least from financial loss. Sadly there are few policies able to protect you from the illness itself!
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