Wedding Insurance Claims
It would be natural to assume that wedding insurance companies are seeing far fewer instances of things going wrong as a result of the increased use of technology to help organise a wedding, increasing efficiency and boosting accuracy.
In many cases, that is certainly true, but sometimes it is the very technology we rely on to help increase the level of organisation and efficiency that ends up letting us down. In the following three examples, technology was very much the culprit, with a wedding insurance claim necessary in every case.
In our first example we meet a blushing Bride on the morning of her wedding, anxiously awaiting a limousine to whisk her away to her fairy tale wedding. As the hour approaches for the limousine to arrive she becomes increasingly anxious. As the hour turns to minutes, and still there is no sign of a limousine she becomes mildly frantic.
She then received a telephone call from the driver who was finding it very difficult to find her house. He seemed to think that he was right outside it, or at least where it should be, and yet he wasn’t.
It seemed something of a mystery, until eventually it was realised that the limousine driver had relied completely upon his SatNav, which had sent him to entirely the wrong town. Coincidentally the town to which he had driven had a road with exactly the same name as the one in which the Bride lived.
But as the limousine and the Bride were now about 100 miles apart, there was very little chance of her arriving at her own wedding on time, or at least in the way in which she had planned. Eventually she had to arrive at the church in a friend’s car, which was hardly the arrival she expected, especially having paid so much for a limousine.
Another example, also quite genuine, involved the DJ. When the couple booked the DJ, he confidently entered the booking immediately into his computerised booking system. All seemed well, until the day of the wedding, where there was a distinct lack of DJ.
A frantic telephone call later, and one very surprised DJ later, it seems that he had inadvertently used his sophisticated computerised booking system to enter their booking on the wrong day. Since he was at that precise moment setting up a wedding some considerable distance away, he had to offer his apologies, and leave them with no DJ.
Our final example of where wedding insurance claims were necessary as a direct result of the use of technology involves the photographer. In the old days photographers would use film, a physical item that cannot be easily mislaid, and certainly can’t be completely deleted simply by pressing the wrong button.
In this particular case the photographer had used a digital camera, and had transferred the entire set of photographs across to the computer. Where they promptly disappeared.
The photographer couldn’t entirely explain how he had done it, but he had managed to delete the entire set of photographs from the whole day. The wedding insurance policy was necessary in order to pay for a complete restaging of the event, including hiring the location, outfits and everything else.
Technology is a wonderful thing. If you happen to work in the wedding insurance business, it’s perhaps not quite such a wonderful thing.
