Thank you for your helpful and considered reply. I have, however, decided that acquiring a husband is too risky a business and no insurance can guarantee that he will retain his initial worth. If I change my mind, I will of course be in touch.

Yours, resolutely,
Ms Pipsy Bell

Firstly, I would suggest that you opt for a young version as your husband as he is unlikely to be very grey though, of course, there is no guarantee that he will age well in this regard. To answer your direct questions a high value home insurance policy will

1 – settle a claim on a replacement as new basis, which is more commonly referred to as “new for old”. Thus, you should always insure for the full replacement cost. To ensure this you should have a professional valuation (perhaps a trusted friend with some experience do this for you), which you should keep up to date. High value contents insurers recommended that the valuation be not more than five years old

2 – there is some protection for the item not being what it deems to be. This is called “defective title” and most commonly applied to the purchase of a work of art where you inadvertedly buy a painting or antique that subsequently turns out to be stolen and returned to its rightful owner

3 – should you lose him within 30 days he is fully replaceable but I would suggest that the loss of such a valuable item in such a short time is carelessness. Take stock, learn from the experience and decide for your self if you really want the responsibilty of a replacement
What cannot be replaced is the sentimental value attached to an item but I would put forward that this will be of little significance in the scenario you describe

4 – you will only be responsible for any damage to third party property or injury to others if you are deemed negligent in a court of law. This is your Personal Liability cover found in all home insurance policies, a benefit that most policy holders take for granted. The standard amount is usually £2m million but the high value home insurers give at least £5m and sometimes £10m. I think that if you go through the process of due diligence in your initial selection you should live happily ever after, with the comfort of peace of mind should the unexpected happen.

To summarise, life is too short not to experience/own the good things that it can offer. Sometimes accidents happen and a good home insurance package should be some compensation for your loss.

I thank you for your post and hope that my advice may be of some help

Kind Regards

Geoff Moss
Dovetail Insurance Services Ltd

I found your blog very interesting, but feel it left out a vital part of the whole wedding process. Gifts are fine, you can replace or swap them for something more useful, but what about your husband? They are, after all, a very grey area. The bride quite often has no idea of his worth or even who he really is. A tricky situation, Is there a policy that can guarantee:
1 – that he will hold his worth
2 – that he really is who he says he is
3 – that if you lose him within 30 days of the big event itself, he will be fully replaceable
4 – that if he is damaged in any way, you will be in no way held responsible.

I look forward to hearing from you.

Yours, in anticipation,

Pipsy Bell