Let it rain - we're covered

Insurance policies for weddings now provide cover for everything - except your betrothed standing you up on the day.

With spring in the air, wedding bells are beginning to chime with greater frequency. There are, on average, 300,000 weddings in Britain in each year. One unromantic thought is that the average bill for a wedding is now likely to reach pounds 9,000.

Wedding arrangements are becoming big business. Virgin, Branson's multi- million pound company, is expecting to launch a comprehensive wedding service to enable couples to buy everything from invitations to honeymoons at one go. The launch is expected later in the year.

Tour operators, such as Thomson, offer wedding supplements on a range of their holidays including those in the Caribbean and Mexico.

The scope for more unusual and, therefore, potentially more expensive weddings has increased since legislation was introduced more than a year ago which allowed a range of premises to be used for civil marriages, in addition to register offices.

The rising cost has increased the importance of considering the need to take out wedding insurance to cover problems such as the Rolls-Royce failing to turn up, the cake getting ruined or the venue catching fire!

Jackson Emms, insurance brokers, arranges cover, underwritten by Cornhill Insurance. The cover includes expenses incurred when the wedding or reception must be cancelled for reasons beyond the couple's control. These include the venue being unable to hold the ceremony, the death, injury or unemployment of the bride, bridegroom or any relative. Cover also extends to items such as damaged bridal clothing, subject to a limit of pounds 1,000.

The policy does not, however, cover items such as a change of mind by either party or sums recoverable from any other source. Importantly, cover is only available for weddings in the UK. The company also offers a legal helpline. The standard package sells at pounds 46.12 inclusive of insurance tax. Marquee cover is available at an additional cost.

Other policies are also available from companies such as Eagle Star Insurance, Ecclesiastical Direct and Leisure Insurance, the last of which is underwritten by Norwich Union.

The policies differ in cost and detail and couples should consider each carefully to ensure that it addresses their particular concern. The premiums vary from between pounds 25 to pounds 50.

A ruined wedding day is not an emotional loss that is easy to express in purely financial terms. The band that fails to appear or the photographer who ruins the film is unlikely fully to make amends.

The law does not normally provide for the award of damages purely for injury to feelings, annoyance or any social embarrassment caused by a breach of contract. Damages are usually only awarded for identifiable financial loss. The Court of Appeal, however, has allowed an exception to this principle. Damages will be awarded for disappointment caused by the failure, in breach of contract, to provide certain forms of entertainment or enjoyment. One case involved the failure of a photographer to attend a wedding. Many of the other cases in this area involve claims brought by disappointed holiday-makers.

One such case involved some holiday-makers who had booked a holiday in an apartment complex in Portugal. The complex was said to boast a very large pool, a bar and other facilities. On arrival, the holiday-makers were told that owing to a dispute they would not be allowed the use of any of these facilities. They had no alternative but to travel by hired car to local beaches to swim. The court awarded these aggrieved travellers pounds 1,000 in damages for inconvenience and disappointment.

Last year, an award of more than pounds 8,000 was made to two families after a disastrous holiday in Tenerife. The families booked three-star accommodation which was to be arranged on arrival. Instead, they ended up in self-catering accommodation infested with cockroaches. There were wild dogs in the complex and one of the children was cut by broken glass at the swimming pool. It is hardly the sort of holiday you would want for a honeymoon.

Start your day with The Independent, sign up for daily news emails
Suggested Topics
News
newsAnother week, another dress controversy on the internet
Life and Style
Scientist have developed a test which predicts whether you'll live for another ten years
health
Life and Style
Marie had fake ID, in the name of Johanna Koch, after she evaded capture by the Nazis in wartime Berlin
historyOne woman's secret life as a Jew in wartime Berlin
News
news... and what your reaction to the creatures above says about you
Have you tried new the Independent Digital Edition apps?
News
Jihadi John
newsMonikers like 'Jihadi John' make the grim sound glamorous
Arts and Entertainment
As depicted in Disney's Robin Hood, King John was cowardly, cruel, avaricious and incompetent
film
News
Bill Gates, founder of Microsoft and co-chair of the Bill and Melinda Gates Foundation
businessUber, Snapchat and Facebook founders among those on the 2015 Forbes Billionaire List
News
Homer’s equation, in an episode in 1998, comes close to the truth, as revealed 14 years later
science
News
news
News
people
Finacial products from our partners
Property search
This phoenix rose from the stage at the London Olympics. The insurer grew out of zombie life insurance funds

Phoenix Life: Chance of a refund for overcharged policyholders has risen

A retired adviser got his money back from the insurer after claiming he had been overcharged. Thousands of others may have a strong case
Expect a new wave of fishing expeditions by fraudsters now we can invest our life savings

Cold callers and your pension: watch out for dangerous boiler room scams

Sean O'Grady received a cold call last week that was much more sinister than normal. Yes, someone wants to get their hands on his pension...

Fuel poverty could claim 100,000 lives over next 15 years, warns energy charity

The NHS is currently bearing a yearly burden of approximately £1.5bn treating cold-related illnesses every winter

MPs call for Equitable Life policyholders to be paid £2.8bn owed by government

Hundreds of thousands of people's policies were hit when the mutual insurer almost collapsed at the turn of the century

The elderly woman's family discovered the mistake

DWP criticised after it left a pensioner £26,000 worse off

The Department for Work and Pensions has been slammed after a series of cock-ups left an elderly pensioner £26,000 worse off.

The FCA has today issued a consultation paper on its plans to tighten up consumer credit rules to give consumers greater protection on guarantor loans and in other areas

Payday loan companies must publish their rates, says CMA

A 20-month investigation concluded that a lack of price competition between lenders has led to higher costs for borrowers

Vulnerable consumers are defined as those with poor literacy skills, those who have caring responsibilities, people with disabilities, dementia or the old

Financial companies are not meeting the needs of vulnerable consumers, says City Watchdog

The Financial Conduct Authority said the industry needs to start thinking about solutions to these challenges

The FTSE 100 is inching closer to its record high but can it maintain these levels?

In 1999 stock markets quickly tumbled, losing many a fortune in the process

Tax-free savings: Freedom dawns for the junior savers caught in low-income accounts

The parents of six million children stuck with low-interest saving accounts worth more than £5bn will be able to move the cash from this April. But what are their options? Samantha Downes reports

How much lower will mortgage rates go?

Another day, another cut. As lenders compete to offer the cheapest deals, Simon Read asks if borrowers should jump in now or wait for further falls

Are bills ruining your family life? Try the lover's guide to coping with debt...

If you're in the red and can't find a way out, it's time to get some help. Neasa MacErlean hears that relationships will suffer unless you are open with your partner, but there are organisations that will put you on the right track and get you talking

How to complain: From retailers to energy suppliers, it's easier than you think

When companies let us down, millions of us just take it on the chin. Simon Read shows how to make your voice heard
Latest stories from i100
Have you tried new the Independent Digital Edition apps?
Independent Dating
and  

By clicking 'Search' you
are agreeing to our
Terms of Use.

ES Rentals

    iJobs Job Widget
    iJobs Money & Business

    Ashdown Group: Junior Application Support Analyst - Fluent German Speaker

    £25000 - £30000 per annum + benefits: Ashdown Group: A global leader operating...

    Recruitment Genius: Customer Service Advisor

    £15000 - £16000 per annum: Recruitment Genius: A Customer Service Advisor is r...

    Ashdown Group: Trainee Consultant - Surrey / South West London

    £22000 per annum + pension,bonus,career progression: Ashdown Group: An establi...

    SThree: HR Benefits Manager

    £40000 - £50000 per annum + pro rata: SThree: SThree Group have been well esta...

    Day In a Page

    Syrian conflict is the world's first 'climate change war', say scientists, but it won't be the last one

    Climate change key in Syrian conflict

    And it will trigger more war in future
    How I outwitted the Gestapo

    How I outwitted the Gestapo

    My life as a Jew in wartime Berlin
    The nation's favourite animal revealed

    The nation's favourite animal revealed

    Women like cuddly creatures whilst men like creepy-crawlies
    Is this the way to get young people to vote?

    Getting young people to vote

    From #VOTESELFISH to Bite the Ballot
    Poldark star Heida Reed: 'I don't think a single bodice gets ripped'

    Poldark star Heida Reed

    'I don't think a single bodice gets ripped'
    The difference between America and Israel? There isn’t one

    The difference between America and Israel? There isn’t one

    Netanyahu knows he can get away with anything in America, says Robert Fisk
    Families clubbing together to build their own affordable accommodation

    Do It Yourself approach to securing a new house

    Community land trusts marking a new trend for taking the initiative away from developers
    Head of WWF UK: We didn’t send Cameron to the Arctic to see green ideas freeze

    David Nussbaum: We didn’t send Cameron to the Arctic to see green ideas freeze

    The head of WWF UK remains sanguine despite the Government’s failure to live up to its pledges on the environment
    Author Kazuo Ishiguro on being inspired by shoot-outs and samurai

    Author Kazuo Ishiguro on being inspired by shoot-outs and samurai

    Set in a mythologised 5th-century Britain, ‘The Buried Giant’ is a strange beast
    With money, corruption and drugs, this monk fears Buddhism in Thailand is a ‘poisoned fruit’

    Money, corruption and drugs

    The monk who fears Buddhism in Thailand is a ‘poisoned fruit’
    America's first slavery museum established at Django Unchained plantation - 150 years after slavery outlawed

    150 years after it was outlawed...

    ... America's first slavery museum is established in Louisiana
    Kelly Clarkson: How I snubbed Simon Cowell and become a Grammy-winning superstar

    Kelly Clarkson: How I snubbed Simon Cowell and become a Grammy-winning superstar

    The first 'American Idol' winner on how she manages to remain her own woman – Jane Austen fascination and all
    Tony Oursler on exploring our uneasy relationship with technology with his new show

    You won't believe your eyes

    Tony Oursler's new show explores our uneasy relationship with technology. He's one of a growing number of artists with that preoccupation
    Ian Herbert: Peter Moores must go. He should never have been brought back to fail again

    Moores must go. He should never have been brought back to fail again

    The England coach leaves players to find solutions - which makes you wonder where he adds value, says Ian Herbert
    War with Isis: Fears that the looming battle for Mosul will unleash 'a million refugees'

    The battle for Mosul will unleash 'a million refugees'

    Aid agencies prepare for vast exodus following planned Iraqi offensive against the Isis-held city, reports Patrick Cockburn