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Buying Wedding Insurance
If a parent of the bride or groom were to pass away the day before the wedding, for example, this might not count on many policies, so be sure to get specifics as to what counts as "beyond your control". You should check, though, about the kind of tragedies that would count. You could get insurance in case something prevents the wedding from happening, even if it's strange and trivial, so long as it's beyond your control, such as a limousine that gets lost for four hours. So, for instance, you can't get any insurance for cold feet. Note that wedding insurance would only apply to things that are beyond the control of the bride and groom and only to those things that would outright prevent the wedding, or for some aspect that goes wrong. If something goes seriously wrong, then all the money that one would spend on the day would be lost and would not be covered by any standard insurance plan. Wedding insurance is something of a loophole in most insurance plans; there is simply nothing that covers it. If, for example, the groom were to be in a serious car accident or there were to be some sort of fire that would require the cancellation of the wedding, you would normally be on the hook for all expenses. If you are having an expensive wedding, it is often a good idea to consider buying wedding insurance.
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