Wedding Insurance for the Wedding from Hell

What happens when you start vomiting on your wedding day?

How do you overcome a situation where all the hard work and planning you have spent years on, suddenly starts to go up in smoke – or down the toilet? This is not an imaginative scenario, or a stretch of reality - in any situation where large numbers of people get together, illnesses can (and will) spread.

A wedding is often one of the biggest days in a person’s life – up there with graduations or the birth of children. There is a great deal of expectation and emotion tied up in the occasion; emotion which has been spent planning the ceremony and reception. There are myriad things that can go wrong, and which could mean the happy couple (and their families) not only miss out on their celebration, but also lose a large amount of money.

Its Like Rain, or Vomit, on Your Wedding Day

In 1995 Alanis Morrissette released her album Jagged Little Pill and the song Ironic which has the infamous line “It's like rain on your wedding day, it’s a free ride when you've already paid.”

Rain on your wedding day, for many people, is just about the worst thing that could happen. In Hong Kong a Typhoon signal 8, or a Black/Red rainstorm warning have the ability to significantly disrupt your plans. If your wedding is being held at an outdoor venue, like the lawn of the Hong Kong Country Club, then a major storm rolling through is likely going to force you to postpone, abandon, or cancel your ceremony.

Guests who are in attendance from overseas may not be able to come back to a rescheduled wedding, and the vendors you have chosen may not be available for a new date. The rain, on your wedding day, has cause a catastrophic disruption to your plans and it is due to no fault of your own. But, outside of weather, there are a multitude of things that can go wrong on your big day.

Let’s say your brother is coming to your wedding with his big family. One of his infant children picks up norovirus traveling to be with you. That norovirus spreads through everyone, and a situation develops where the bride, groom, and wedding party are awake at 4am throwing up (and not because they drank too much at the rehearsal dinner). Unless you are willing to risk a veritable assembly line of vomit in the wedding procession, as ring bearer and flower girls alike keel over to be sick, the best course of action may be a postponement or cancelation.

Due to the amount of money involved in a wedding, many people are loathe to postpone or cancel the event – even if it is probably the wisest course of action.

With a comprehensive Wedding Insurance policy, you have the ability to make the right choice without risking the money you have already paid for your big day.

Protecting Your Wedding from Disruptions with Wedding Insurance

Wedding Insurance is a form of little-known Event Insurance that is specifically designed to protect you from financial losses on your big day due to circumstances beyond your control. Weather and Sickness are just two of the many risks you may encounter in the run up to your big day, but they don’t have to mean the end of your plans. With a comprehensive wedding insurance policy, you are covered for almost every eventuality possible.

Non-Appearance Wedding Insurance

In a situation where the bride or groom is being violently sick, then it is unlikely that they will be able to stand at the altar and proceed with a ceremony, never mind the reception. “Non-Appearance Insurance” is a benefit that can be included on many event insurance plans to cover against the non-appearance of an individual vital to the event.

It is important to understand that the reasons for the vital person failing to appear can be quite broad – if, for example, there has been a death in that individual’s immediate family they cannot be expected to proceed with an event and this would consequently be covered under this type of benefit. Under a non-appearance benefit on a wedding insurance plan, should a named individual fail to appear for any covered reason, then you would be reimbursed for any pre-paid deposits or due payments for the event.

Non-Appearance Coverage is normally an optional purchase, in addition to standard coverage provided by many wedding insurance plans. Choosing to include non-appearance insurance on your wedding insurance policy will normally mean an increase in the overall premium.

Weather Cancellation Wedding Insurance

Weather is just as concerning as a norovirus spreading through the wedding party – a T8 signal will shut down the city leaving you without vendors, officiants, or possibly even a venue.

If you are holding your wedding indoors, then you will be pleased to note that many wedding insurance options include weather cancellation protection as a standard benefit for events that are happening indoors. If you are holding your wedding outdoors then you will normally need to purchase a weather cancellation benefit as an addition to the standard policy.

Depending on the time of year you plan on getting married the weather in Hong Kong could be a very real concern for your special day. This is also true if you are choosing to hold your ceremony or reception at one of the many private clubs or hotels around the city that offer an outdoor space – the unpredictable nature of Hong Kong’s weather could impact you.

From Typhoons and Rainstorms, through to landslides and flooding, considering a weather cancellation benefit for your wedding insurance policy can be vital in a worst-case situation.

Wedding Dress and Gift Insurance

If there has been a sudden outbreak of vomiting at your wedding, then it is possible some of the throw up will get on the bride’s dress. Or, if you are taking pictures in a field, or in the jungle after the ceremony, it is possible that the bride’s dress may get snagged or torn on a branch.

With a comprehensive wedding insurance policy, it is possible to insure against accidental damage, loss, or destruction of the wedding dress. If the dress is being rented or loaned to the bride then the insurance will cover the costs of repairing the garment if it has been damaged or compensating the owner fully in the event of the dress being completely destroyed.

Similarly, anything that could happen to a wedding dress could potentially happen to wedding presents on the day – from weather damage due to a freak storm, through to incidents of theft, a Gift coverage benefit on a wedding insurance plan ensures that the couple can enjoy their reception secure in the knowledge that the gifts they have been given are protected under their policy.

Flexible Wedding Insurance Options

No matter what risks you are concerned about on your wedding day, insurance can offer you the support and protection that you need. From a freak rainstorm flooding your venue, to the negatives of the photographs you paid for getting destroyed in an accidental fire, CCW Global is able to offer you robust and comprehensive solutions to ensuring that your big occasion goes perfectly. 

For more information, please Contact Us to speak with an expert event insurance broker about your coverage requirements today. 

Ask CCW – Swift, Simple, Sorted.