Among the happiest times of your life is as you get engaged, he bends down on one knee and asks in the old fashioned style, perhaps he puts the engagement ring in your desert or perhaps he has “will you marry me” shown on the sports board at the football game.

Then the business starts, organizing a wedding is really work. You must organize heaps of different things and do it all inside your budget that you and your fiancee set. Although you are leafing through the piles of marriage magazines and leaflets that vendors send you it is possible to think of nothing but positive things.

It is however a heartbreaking fact of life that from time to time things do go awry. Everyone has car insurance, we all have home insurance, certainly we hope we don’t ever have to use them but we still have them anyway. Everyone is aware of the massive prices of cars and homes and when you need to buy a new one of them it is probably going to hurt you, or possibly even wipe you out, financially.

Take a minute to count up all the money you are spending on your wedding. How much are you paying for flowers for your big day? What about the Rolls Royce you are renting for the event, and even the priest isn’t free.

It possibly can feel that everyone who comes near you in the run up to your marriage ceremony requests money. You pay every vendor a deposit and then they ask for the balance before the wedding day and then you trust that the vendors will turn up and do a first-class job.

What if your food vendor gives all your visitors food poisoning, what if the band leader drops his microphone stand on your mother in law from the stage? No one likes to think of how they could maybe deal with the ensuing court case but the fact of life is if any of these things happen you will dream that you had wedding liability insurance.

Buying outfits for large bridesmaids is another thing that can take time so be prepared.

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