How does it work?

It can cover the cost of your wedding if you need to cancel, or if something else goes wrong like one of your suppliers fails to fulfil their commitments.

It also protects against damage or theft to your wedding attire, gifts, cake, flowers and can cover the cost if you have to retake your photographs or if you have a problem with your wedding cars.

Wedding insurance can give you valuable protection, especially if your big day costs a lot of money. Here is how to work out if you need wedding insurance.

What does it cover?

Cancellation or rearrangement

Most insurers cover the cost of cancellation or rearrangement if:

  • Your venue has been damaged by fire, flood or another disaster

  • The bride, groom, civil partner or a close relative dies, is ill or injured

  • Any booked and paid for professional suppliers do not turn up

  • The wedding clothing is damaged and cannot be used

  • You are made redundant at least eight weeks after buying your policy

  • The officiating minister or registrar does not turn up

  • Bad weather means the wedding party and guests cannot reach the venue

Problems on the day

You will also be covered for individual things that go wrong leading up to your wedding, or on the day itself, including problems with:

  • Suppliers: This covers the cost of arranging alternative suppliers, and any deposits you have paid, if your supplier cannot provide their service on the day.

  • Wedding clothing: This covers the cost of replacing or repairing any wedding attire, like the bridge or groom's outfit and bridesmaid dresses, that has been lost or damaged while in your possession.

  • Photographs and videos: This covers the cost of retaking your photos or video if your photographer does not show up, or if they lose or damage the film.

  • Cars and transport: This covers the cost of arranging alternative transport and any deposits paid if your hired car cannot get you to the venue.

You can also claim if you lose or damage certain items, including:

  • Wedding gifts

  • Wedding rings

  • Flowers

  • Wedding cake

You also get third party liability cover. This covers any claims against you following an incident that results in an injury, or damage to someone else's property.

Check the terms and conditions of the policy to see if there is a time limit for you to make a claim. For example, you may not be able to claim more than 48 hours after your wedding day.

Here is everything you need to know about making a claim on your wedding insurance.

Specialist cover options

There are extra cover options you can add to your policy if you need them, like:

  • Ceremonial sword cover: If you use ceremonial swords as part of your wedding, you can protect them against loss or damage.

  • Marquee cover: If you hire a marquee for your wedding, you can add this to cover the cost of repair, and the cancellation of your wedding if the marquee is damaged.

  • Overseas cover: If your wedding is taking place abroad, you can include this cover to extend your policy to cover you in a foreign country.

What does it not cover?

There are some things wedding insurance will not protect you against that you should be aware of before you buy a policy:

Getting cold feet

If you or your fiancé decide you no longer want to get married, cancellation will not be covered by your insurance.

You also cannot claim if you decide that your wedding is too expensive and you cannot afford to pay for it.

Your honeymoon

Most wedding insurance policies do not offer cover for your honeymoon.

Some wedding insurers offer to add cover for your honeymoon, but you will probably get better protection by shopping around for a separate travel insurance policy.

Your hen or stag party

Any arrangements made for your hen or stag do will not be protected by your wedding insurance.

If you are going abroad for your party, make sure everyone going has travel insurance.

Poor goods or services

You cannot claim if any of the services you receive do not meet your expectations, for example, if you are unhappy with the photos, or the food is burnt.

If this happens, you should complain to whoever provided the service and ask for a refund. Here is how to complain about poor service.

Other exclusions

Every wedding insurance policy includes a set of circumstances where you cannot claim. These are called policy exclusions, and include:

  • A death, injury or illness that results from a condition you knew about

  • If any pre booked service goes out of business within 14 days of the policy starting

  • Any theft where items were left unattended

  • Any third party liability claims if your wedding is taking place in Canada or the USA

Every policy sets different exclusions, so check the documents carefully before you buy so you know what you can claim for.

When should you get wedding insurance?

Purchase a policy as soon as you start making any bookings or pay any deposits. For example:

  • Booking your venue

  • Buying a wedding dress

  • Ordering a cake

Most policies let you take out a policy up to two years before your wedding, so it is worth getting it sooner rather than later.

However, make sure you know how much your wedding is likely to cost so you get the right level of protection, otherwise your policy might not cover the costs.

How much will it cost?

It depends on how much you are spending on your wedding. The more you spend, the more expensive the policy you need will be.

Most wedding insurers offer a choice of cover levels, with a set claim limit for everything they cover.

For example, a basic policy could offer up to £5,000 for cancellation, but a premium policy could give you up to £100,000 of protection.

Work out how much you will spend (or have spent) for each area and make sure you choose a policy that can refund the cost if you need to claim.