As scientists issue proclamations of doom and gloom about global warming, the incidence of severe weather events does seem to be increasing in the UK and this is not just confined to the winter months either. Tropical storms in recent years have caused severe flooding issues in different parts of the country and so the weather is an important consideration in any wedding plans.

Whilst it is lovely to have photographs taken in the sunshine, there should always be a planned alternative in case the day is gloomy and grey or the weather hostile. Every aspect of the wedding should be looked at with a meteorologists’ hat on…how are you going to get from the car to the wedding reception if it is pouring with rain? That Tudor barn looks ideal for a wedding reception and we can use the field outside with a marquee for the evening guests, but what happens if it rains for two days beforehand and gets really muddy? Sometimes weather becomes even more of an inconvenience and can actually seriously disrupt your plans so is this one of the heads of cover under a wedding insurance policy and if so, how does it work?

Virtually all wedding insurance providers offer bad weather coverage but to see what this actually means, you will need to read the small print and discuss it with the insurer before you buy. If you are getting married overseas then different rules may apply depending on the destination and the time of year. If the wedding venue is flooded because of a storm or suffers damage or power loss due to high winds and the wedding cannot go ahead, this will usually be covered under the postponement clause. It is important to establish this with your insurer as it could also be covered under the policy provisions for bad weather but one will attract a higher financial value than the other so you should be clear about the likely value of any pay out should this happen. Sometimes bad weather can disrupt the wedding in a different way, for example, extensive snow could prevent guests reaching the venue although the actual location could be still functioning as normal. It is always worth considering this if you are getting married in a beautiful and remote location during the colder months. Policies usually trigger when around half the guests are prevented from attending but again, you should discuss this with your insurer so you are completely clear about the weather related circumstances which may allow you to claim. Always arrange your cover well ahead of the date; it will be too late to insure the week before if blizzards are forecast for the big day and you are looking for protection other than of the Wellington boot variety.