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You’ve dreamed about it all your life. You’ve met the man of your dreams. Your thoughts are on outfits, colour schemes and the dreaded seating plan. What could possibly go wrong? Well, the harsh reality of life is… a lot, even before the day itself.

But here’s an option; Emerald Life can offer you cover against many eventualities. We provide wedding insurance to support you on the road to the upcoming celebration. Given the time and money you have spent and will spend, shouldn’t you think about some sort of protection?

Here are some of the upsets that could happen and how we could help if they do…

Two months away from the big day one of the grooms is unexpectedly made redundant and is unable to pay the remaining balance on the chosen venue for the ceremony and reception.1422984492_samesexmarriages

 This is sad news, but unfortunately a common reason why many weddings are postponed. It might be a groom or a key family member who had generously agreed to help pay the cost of the event. Emerald’s wedding insurance provides cover for redundancy and will pay out depending on the level of cover, up to £100k in irrecoverable expenses.

A key family member falls ill a few days before the ceremony and it becomes inappropriate to go ahead as planned.

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Insurance is all about planning for the unknown, often for circumstances none of us want to really consider. Emerald’s wedding insurance will protect you, reducing your worries at this difficult time. All your irrecoverable expenses should be covered including flowers, the cake, the photographer. You could claim up to £100,000 depending on the level of cover taken.

The staff at the hotel have been amazing; you couldn’t have asked for more. But while they were preparing for the wedding breakfast they dropped your stunning wedding cake.

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Unfortunately, there’s nothing anybody can do about this now; there isn’t enough time to bake another cake and scooping it off the floor just won’t do. Under an Emerald Life wedding insurance policy, we will cover you for the loss of the now smushed cake. It won’t replace the cake, but hopefully the cash back will help for future expenses. We will also pay towards the cost of rearranging photographing the cake-cutting ceremony. What’s a wedding without a drama, eh?

Disaster strikes and that nice hotel you’ve booked for your wedding has caught fire. The venue is completely gutted. What do you do?

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You call your friendly Emerald claims centre and tell them what’s happened. Depending on the level of cover you took out, you may be covered up to £100,000 for all your irrecoverable expenses including for the venue. You may have to find an alternative location, but at least you won’t be out of pocket.

You and your new husband arrive at the reception venue with your wedding party, only to find the new general manager refusing to allow two grooms to have their reception as he doesn’t approve. Oh dear.

SAN FRANCISCO - JUNE 17: Same-sex couple Ariel Owens (R) and his spouse Joseph Barham walk arm in arm after they were married at San Francisco City Hall June 17, 2008 in San Francisco, California. Same-sex couples throughout California are rushing to get married as counties begin issuing marriage license after a State Supreme Court ruling to allow same-sex marriage. (Photo by Justin Sullivan/Getty Images)

The big one. This is the stuff of nightmares, but unfortunately, as seen in the news recently, ignorance still exists. Emerald’s wedding cover is the first in the UK to protect you from this ugly eventuality. If, on the grounds of homophobia, a supplier decides not to uphold their contractual obligations or even not to contract with you at all, we may reimburse your legal fees in bringing about a civil claim in the courts against that supplier. With Emerald, you’re covered!

Emerald Life is the UK’s first full service insurance provider for the LGBT community. Visit emeraldlife.co.uk to get your Home, Life, Pet and Wedding insurance or call 0330 131 9950 to speak with our specially trained call centre.

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