We have now lost £22,000 and now can’t afford to book a new date for the ceremony

Two days before my wedding last May, my 23-year-old brother was diagnosed with terminal brain cancer and underwent emergency surgery.

I had bought cancellation cover 18 months previously from The Insurance Emporium (TIE) and immediately submitted a claim as we cancelled the wedding.

The staff expressed no sympathy, then lost the claim forms, requiring me to resubmit. I had to chase for updates continually.

Two months later, my claim was denied because my brother had suffered daytime drowsiness prior to the commencement of the policy. Doctors had found no cause for concern and made no diagnosis. The insurers decided these were symptoms of a tumour.