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Wedding insurance: what it does and doesn’t cover

Wedding insurance: what it does and doesn’t cover
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With so much money and emotion involved in planning the big day, wedding insurance is something that couples might want to consider putting into their budget. It can help provide comfort and security against any financial losses should your plans go awry. But before buying wedding insurance in the UK, it is important to understand what it does and doesn’t cover.

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To help you make sense of wedding insurance, we have prepared this useful guide.

What is wedding insurance?

You probably already have car insurance, home insurance and life insurance. You know that this insurance is meant to help you through tough times. Wedding insurance performs more or less the same job.

The insurance protects you from financial losses due to cancellations or unforeseen mishaps in the build up to your big day, or on your wedding day itself. For example, if someone falls on the dance floor and breaks a leg during your celebrations, or if the caterer forgets to turn off the hob and causes a fire, wedding insurance can help cover the majority of such costs.

What does wedding insurance cover?

Wedding insurance coverage in the UK generally includes two parts. The first part covers the postponement or cancellation of the wedding. The second covers reimbursement for lost deposits or the replacement of damaged, stolen or lost items.

In a nutshell, wedding insurance should cover you for:

  • The venue cancelling or closing due to fire, floods or financial problems.
  • Cancellation due to key people (best man, maid of honour, close family members) being unable to attend due to serious reasons such as injury or death.
  • Cancellation due to extreme weather – if a significant number of your guests can’t attend due to extreme weather conditions.
  • Lost, stolen and damaged items, including wedding attire such as dresses and suits, rings, gifts and the cake.
  • Wedding photographs and videos faults – if your photographer fails to show or the filming equipment suffers damage.
  • Failure of suppliers – if the supplier fails to deliver promised goods or provides damaged items such as dead flowers.
  • Personal liability – if someone suffers an injury at your wedding (through no fault of their own).
  • Legal expenses – if you find yourself in a legal dispute due to an event that happened during the wedding. 
  • Marquee and ceremonial swords cover – for any losses and damage related to these specific items.

One thing worth noting is that in addition to wedding insurance, your credit card also offers you some protection. Under section 75 of the Consumer Credit Act. If you purchase something for your wedding costing between £100 and £30,000 with your card, you can claim your money back if something goes wrong.

What is not covered?

Wedding insurance in the UK does not cover cancellation resulting from the bride or groom changing their mind about getting married or refusing to go through with the wedding. You will also not be covered if you cannot afford to go ahead with the wedding due to financial difficulties.

Other elements that might be excluded from your wedding insurance coverage include death and injury resulting from a pre-known condition and theft of items left unattended.

In addition to the general exclusions, all aspects of your wedding insurance coverage might have individual exclusions as well as coverage limits. It is therefore useful to go through the fine print of the policy carefully to establish these exclusions and limits.

How much does wedding insurance cost?

The cost of a wedding insurance depends on the amount you will be spending on your wedding. It might also depend on the type of cover you want. A basic wedding insurance policy in the UK can cost as little as £20 while a comprehensive policy for a big wedding can cost up to £300, depending on the insurer.

You will pay the insurance as a one-off payment, and coverage will officially end when your wedding is over. It’s worth knowing that you can buy wedding insurance as early as two years before your wedding. By getting insurance well in advance of the big day, you can relax knowing that should anything happen in the build up, you are covered.  

Final word

While you cannot ensure sunshine on your wedding day, you can get insurance to protect you from unexpected disasters. With just a small investment, wedding insurance can provide peace of mind as you look forward to exchanging wedding vows.

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