We all take insurance out for many reason whether it is for a house, car or personal insurance. Wedding insurance is like any other form of insurance, and do not pay unless something goes wrong. Nobody wants things go wrong and maybe people consider this form of insurance as bad luck, but we do want to cover ourselves against unknown circumstances.
Insurance is there to cover us when the worse case scenario arise. For example if a vital member of the wedding is taken ill and the wedding is unable to continue the wedding insurance will cover for this. If your caterer does not turn up and you have paid your deposit the insurance will cover and pay you back. If the photographer drops his camera and the pictures are ruined then your wedding insurance will cover for getting the group back together again.
Nobody hope that you will ever have to use the insurance, but if the worse case does happen it is nice to know you are covered. But if you consider the cost of insurance compared to the emotional cost of a disaster in your wedding then the cost is not much.
If you and your future spouse take insurance you will have the peace of mind on your special day, you have done every thing to ensure your day goes smooth, and now you have some financial coverage in case anything happens. Your insurance can not guarantee you prefect weather but if the weather postpones your wedding you will be covered financially.
Insurance is a one off policy that expires after the wedding, and you can congratulate yourself for a smooth and faultless wedding, but if something does go wrong you will congratulate yourself for taking out wedding insurance.