Wedding Insurance: It Certainly Takes The Cake!

Have you ever been to a restaurant where the waiters are so professional and expert at their jobs that they can rush around whizzing in and out of those swing doors without even looking what they are doing? It always amazes me that there are not any serious accidents with trays of hot meals going flying into the ether. When we enter restaurants or any other establishment where other people are preparing and serving meals, we simply expect them to know what they are doing and have a high degree of professionalism and expertise. However, even with the best of preparation accidents can and do happen, sometimes that defy belief, but still they do happen and you have to deal with the consequences. That is why when we are talking about weddings and receptions, we need to be talking also about wedding insurance.

When my oldest brother remarried, they decided that they did not want to spend what little budget they had on the service as they had both been married before anyway, so they decided to spend most of their budget on the reception and evening reception. Fortunately, I managed to talk my brother out of naming me as best man. I had already done it twice before and frankly, my nerves would not hold for yet another journey into the hell that is the after dinner speech! Having said that, I was still expected to make a contribution to helping out in the preparations, which were being done by volunteers and friends and family to keep down the costs.

We had already set out in the morning and sorted out all the tables and placing. All that really remained was for the staff at the hotel where the reception was being held to serve the meals and deal with the clean up afterwards. The wedding was not until 2pm that day, so we all decided that we would meet up in the local pub beforehand.

That plan soon came to grief when we heard news that there had been an accident at the hotel where the reception was to be held, that the cake had been accidentally knocked off the table and was in pieces all over the floor. It fell to guess who to try and get it sorted out. I contacted the caterers and told them what had happened. They actually seemed very calm about the whole thing, almost as if they dealt with it everyday.

The catering manager telephoned me to say that my brother had taken out wedding insurance, and that damage or loss to the cake was covered. They would come round later with a replacement. Obviously, not anything like the original, but not many people would know.

I have to admit I was a little taken aback that my brother would have had the presence of mind to take out wedding insurance as it was not something I had even heard about.