piggybank with gold wedding rings on top

Do I need wedding insurance?

Wedding insurance is as important to your day as your dress. Why? Because you can't put a price on a worry-free wedding day...

A wedding insurance policy reads like your worst nightmare. Typically, the policy will outline things you’ve never even thought of – from being made redundant to your venue going bust. While you don’t want to dwell on worst-case scenarios, insurance cover can help protect your financial and emotional investments.

Advertisement

As with home and contents insurance, wedding insurance prices vary depending on factors including the level of cover you choose. For a comprehensive policy from a household name, expect to spend between £60 and £300. Your own risk tolerance and financial situation will help you decide what level of cover right for you, but keep in mind that cover can turn unforeseen circumstances into an inconvenience rather than a catastrophe. So when you’re starting your wedding budget, don’t forget to include a portion for insurance.

No matter how organised you are, things can and do go wrong. Which is why it’s essential that you invest in some wedding insurance to cover every eventuality. Still not convinced? You will be….

Cancellation coverage will ensure that you’re reimbursed for non-refundable payments if the wedding can’t happen for any reason beyond your control

What could possibly go wrong?

Where do we begin? Just take a look at our round-up of typical wedding disasters. What if your wedding dress gets damaged, a supplier goes out of business or your wedding photographs don’t come out? Investing in wedding insurance will cover you from any wedding day disasters you may, or may not encounter. If anything goes wrong you’ll be secure in the knowledge that you’re covered; if nothing goes wrong, even better, but that small amount will have brought you peace of mind on your big day. And that’s priceless.

Will wedding insurance cover cancellation?

Cancellation coverage will ensure that you’re reimbursed for non-refundable payments if the wedding can’t happen for any reason beyond your control – unexpected illness, a death in the family, or adverse weather that prevents a sizable percentage of the wedding party from turning up. Note that “disinclination to marry” (better known as cold feet), along with pre-existing medical conditions, isn’t covered.

If it’s a small wedding is insurance still necessary?

Yes. A small wedding can still cost a matter of thousands. Many insurance plans offer several tiers of cover reflecting the different costs of weddings. So whether yours is simple and cost effective or extravagant and expensive, there’ll be cover for you.

You can buy cover as late as two weeks before the big day

What about getting married abroad?

Even if you’re planning an intimate beach wedding in the Bahamas it’s worth getting cover. Most wedding insurance companies also offer essential document indemnity cover for overseas weddings that can be couriered anywhere in the world should the originals be lost or stolen.

How much will it cost?

Wedding insurance varies considerably, depending on on where you get it from, and the plan you choose. As with any insurance policies, the more you spend, the more you’ll be covered.

Where do I get wedding insurance?

Companies including John Lewis, Debenhams, E&L, The Insurance Emporium and Dreamsaver offer wedding insurance.

When should I get it?

As soon as you start planning your wedding. Investing today will cover anything going wrong between now and your wedding day. However, in most cases, you can buy cover as late as two weeks before the big day and deposits you’ve made beforehand will, for the most part, be covered – provided you don’t already know of a reason that will cause you to make a claim. Still, the earlier you get it, the better protected you’ll be.

Typical claims…

  • Wedding attire damage
  • The re-taking of the wedding photos
  • Cancellation due to illness or bereavement of the immediate family
  • The caterers fail to turn up at the reception
  • The wedding rings are lost
  • The wedding transport fails to turn up
  • Cancellation due to the venue being double booked
  • Public liability property damage
  • Wedding presents are lost or stolen
  • Financial failure of suppliers
Advertisement

How do I get paid?

Contact your insurance company immediately if trouble arises, and have all invoices, receipts, and proofs of payment to hand. If it’s a case of stolen items, make sure they are reported to the police.