Do you buy a wedding-insurance today?
Sunday
Do you buy a wedding-insurance today?
今天，你的婚礼上“保险”了吗
In modern society, insurance is everywhere and all around us. Especially, some of the well-known stars purchase various insurance. On March of 2015, the performance team of Tayler Swift covered an insurance for her two legs with a large sum of 40 million dollars. While, Jennifer Lopez once insured for her prominent hip with a total 27 million dollars who has the most beautiful hip. Oh my god, how expensive her matching trousers will be!!! In that way, if there is wedding-insurance, do many prospective grooms and bribes tend to rush to follow the trend?!
当今社会，保险无处不在。特别某些明星，保险各种买！2015年3月霉霉的演出团队为她的双腿投下一笔巨额为4000万美元的保险；而传言拥有“最美臀部”的詹妮弗·洛佩兹就曾为自己的翘臀投保2700万美元，那她穿的裤子得有多贵才够搭！！！那么，如果有婚礼保险，会不会有很多准新郎准新娘趋之若鹜？！
JUST as each wedding creates potential business for divorce lawyers, so each engagement gives insurers a chance to drum up business. Future spouses, says Alan Tuvin of Travelers, an insurer, may wish to protect themselves against something going wrong on the wedding day.
正如每一场婚礼会为离婚律师创造潜在的业务一样，每一场订婚也会给保险行业拓展业务的机会。保险公司旅行者的承保人艾伦·图瓦表示，未来的夫妻可能更希望在婚礼上保护自己的利益，以免婚礼上可能出现的糟心事儿。
It is unlikely that your betrothed will scarper on horseback, as Julia Roberts did in “Runaway Bride”, and most insurers wouldn't cover that anyway. But you never know what might happen. We are not predictor. Mr. Tuvin launched the firm's wedding-insurance business; moreover, he and his wife were its first clients.
尽管，你的未婚妻不太可能像《落跑新娘》中的茱莉亚·罗伯茨一样，骑马跑掉--溜婚。而且，大多数保险公司不会提供这项业务。但是，你从未知道未来会发生什么。因为我们都不是预言者，不会未仆先知。图瓦先生拓展了这家公司的婚礼保险业务，而且，图瓦先生和他的太太是这项婚礼保险业务的第一个业务。
A typical American wedding costs 25,000 or so. This has fallen a bit over the past quarter-century but still seems lavish given how tight American belts are these days. Weddings are pricey because the rich are more likely to marry than the poor, and the average age of newlyweds has gone up, so couples are more prosperous when they eventually tie the knot.
一个传统的典型的美式婚礼大概花费在25000美元左右。在过去的25年间，婚礼花费这笔费用略有下降。但是鉴于美国近年财务紧张来勒紧的裤腰带，这项花费已经很奢华了。婚礼是昂贵的、奢侈的，而且因为富人比穷人更倾向于结婚。而且，现在新婚夫妻的平均年龄正在增大。因此，在他们最终结婚的时候，他们的经济状况对比而言还是非常宽裕的。
High prices, and the fact that many venues require couples to take out liability insurance, feed great demand for wedding insurance. A fifth of couples buy it, says the Wedding Report, a trade publication. “If some fat lady slips on a canapé and breaks her hip, she doesn’t give a rat’s ass that this is her boyfriend’s cousin’s wedding,” hypotheses Robert Nuccio of Wedsure, an insurer. “She just wants get paid.”
婚礼价格不菲，而且许多婚礼承办场地要求夫妻承担责任险的现实使得大众对婚礼保险的需求越来越大。一个贸易刊物婚礼报导公司称有五分之一的夫妻投保夫妻保险。来自于一家名叫Wedsure的保险公司，罗伯特·努西奥提出假设说：“如果一位胖胖的女士参加男朋友表哥的婚礼，然后从沙发上掉下去并摔疼了屁股，她不关心这是谁的婚礼，她所想要的就只是要得到赔偿。”
Wedding insurance began in Britain: Corn hill, an insurer, wrote its first policy in 1988. But there were few takers. The idea only took off once transplanted to America. In the early days, says Mr. Nuccio, there were incidents of couples faking engagements to collect a payout.
婚礼保险业务起源于在1988年最早提出这项业务的英国一家保险公司康·希尔。
但是，那个时候少有人倾向于这项业务，直到这项业务流传到了美国，这个才开始得以落实。Wedsure保险公司努西奥先生说，其实在这个业务拓展的早期，有一些假情侣事件：通过假订婚来收取保险赔偿费用。
Since then, most policies have a clause that excludes “change of heart”. Wedsure does insure against cold feet, but its policy will pay out only if the wedding is cancelled more than 12 months before it is due to take place, thereby guarding against fiancés or their patents phoning the broker once the relationship is already on the rocks.
所以从那时候开始，大部分保险条款就不包括“变心”这一条了。Wedsure保险公司政策包含婚礼前临阵退缩这一条，但是只有在原定婚礼举行日期12个月前取消婚礼才有效才会有赔偿。因此，这是为了防止未婚夫妻或他们的父母临时起意打电话给保险经纪人一旦未婚夫妻的关系已经如履薄冰濒于破裂。
This does not mean policies are useless. Common causes of payouts include the venue vendors going bust after having taken a big deposit. Extreme weather, a spouse being deployed by the armed forces and an absent priest can all trigger payouts. Most policies will pay to re-stage the photos if the snapper fails to turn up or disappears with the pictures.
但是，这并不意味着这些保险业务就是一无用处的。保险赔偿的常见理由中包括场地供应商在拿到了一笔巨额押金预付款后宣告破产。极端的天气，一方新人被部队征召或牧师的缺席都会致使保险公司支付赔偿。其中大部分保险政策是关于赔偿支付由于摄影师不能展示照片甚至摄影师连带照片一块儿消失的！
Having heard so many introductions, are you being impressed most? Maybe, next time, you can go to the insurance companies in advance to see whether you can buy the wedding insurance or not?! Or one day in the near future, the wedding insurance will cover the policy that the groom or the bribe runs away suddenly!
听了这么多动心没，要不下次您结婚的时候，提前去保险公司了解有没有婚礼保险买没？！或许不久后的某一天，婚礼保险还包括新郎或新娘临阵脱逃的！
知识点
lavish
美 ['lævɪʃ] 英 ['lævɪʃ]
v. 浪费；挥霍；滥花；慷慨地给与
adj.大量的；给人印象深刻的；耗资巨大的；慷慨的
例句：
She was lavish in spending money.
她在花钱方面慷慨大方。
The entertainment was always pleasant, private and discreet, but never lavish.
招待会总是在私下里很愉快、很谨慎的进行着，但是从来不浪费铺张！
scarper
美 ['skɑrpər] 英 ['skɑː(r)pə(r)]
v.逃跑；溜号；跑走
to run away; to leave
例句：
Scarper! The cops are coming!
快跑！警察来了！
For better for worse, for richer, for poorer, in sickness and in health, to love, honor, and cherish, till death do us part.
无论是好是坏，富贵或是贫穷，健康或是疾病，我都会爱你，尊敬你，并且珍惜你，直至死亡将我们分离。
点击公众号菜单栏“每月读原著”立即加入有书英语共读
★
★ 作者：陈珺洁，感性与理性的融合，渴望汲取世间最美的精华，跨越世界去进行无止尽的修行！我在英语共读等你！