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It is usually put down to Murphy’s Law when your chief bridesmaid suffers food poisoning from pre-wedding celebrations, or if the groom undergoes an emergency appendix removal the week before your wedding. The same goes if your cake decorator loses your order or your photographer has double-booked. Maybe the worst is when you ring your reception centre and the message says, “Unfortunately we have closed down”. These are all things you don’t want to happen on or before your wedding day. If only you had a crystal ball!
Realistically any number of these things could happen and do, but they are the things we call the “unthinkables”. Managing Director of Mojomo Insurance Brokers, Merlin McCloy, specializes in wedding insurance to help cope with these “unthinkables”. In speaking to brides around Australia, Merlin has found that young brides in particular find it difficult to imagine things going wrong, which in many cases leaves parents responsible for the additional costs incurred. Brides over twenty five, who often contribute to their own wedding, have a more realistic vision of events and many choose to take out wedding insurance.
The wedding preparations begin about 12 months before the big day. In the first six months booking deposits are paid on the venue, bridal dress, photographer and entertainment. Insurance covers those deposits, giving the bride and groom as well as mums and dads peace of mind.
It’s an exciting time when you bring your family and friends together to share your special day but who is liable for things that might happen to them? What if you arrange rose petals and bows for decorations at the church and someone trips or slips? A personal touch is nice so you provide your own wedding cake or bomboniere at the reception and one of your guests has a severe allergy to nuts or what if you decide on a garden wedding but one of your chairs collapse and a friend hurts their back? |