If you make any wedding payments between £100 and £30,000 by credit card, you can then use Section 75 to get your money back if something goes wrong.
Weddings come in all shapes and sizes, from small intimate affairs to big-budget international extravaganzas, but with the average UK wedding costing a little over £15,000, it’s important you have some backup in case things go wrong. That’s where wedding insurance comes in – it provides financial protection for what is often a considerable financial commitment.
Wedding insurance covers things that could potentially go wrong on the day. Depending on your policy, that could include problems like:
Suppliers not delivering
Venue or catering cancellations
Providers will often offer wedding insurance policies in package deals, although you can get tailored policies to suit your specific needs.
Some policies may impose limits on the amount of cover they provide, so it’s important you know exactly what you’re getting from your wedding insurance.
Every wedding is different, so it’s important to get a policy that covers what you need. As well as issues like cancellations or rearrangements, wedding insurance will usually cover you for physical items like:
Your wedding attire
Flowers, cakes and rings
Wedding cars and transport
Wedding insurance should also include public liability protection. This can provide compensation if someone is injured at your wedding or if a member of your wedding party damages the venue.
Once you’ve found the type of policy that works for you, compare wedding insurance policies to find the cheapest deal for your desired level of cover.
This depends on how much you intend to spend on your wedding. Work out what your wedding day will cost in its entirety and get a policy that covers that if you have a problem.
To calculate the costs, add together everything you’re likely to pay for, including:
Photographs and video
Cars and transport
You need to find a policy that offers the right level of cover for your total costs. If your wedding adds up to £20,000, find a policy that offers a cancellation cover limit that’s equal to that sum.
Prioritise cover over price. While a wedding insurance comparison may throw up cheap deals, it’s more important you have the level of cover you need.
To get an idea of how much a wedding could cost, our wedding decor guide delves into the added extras you might need to consider.
Enter the names and dates of birth of the happy couple, along with some information about your wedding.
You’ll then need to add the total cost of your wedding, plus whether you want any optional add-ons.
Once you’ve filled in a quick form, we’ll show you a range of quotes for you to choose from.
When looking for a policy that suits your needs, think about:
What you need it to protect – for example the venue, rings and catering
How much you plan to spend on your wedding
Whether you have any protection already – for example cover via your credit card
Once you know what you need, comparing wedding insurance quotes can help you find the best cover at the cheapest price. This is especially true with this type of insurance as smaller providers often have better deals that the major insurance companies.
Destination weddings have become popular in recent years. If you’re planning to get married abroad, it may be even more important to consider wedding insurance. The weather may be less likely to ruin the big day, but there’s still plenty that could go wrong.
Many insurance companies offer overseas wedding insurance, although such policies may cost a little more. Some policies may omit certain types of cover – like public liability – so check the policy carefully to ensure it covers everything you need.
No, if you cancel because you've split up, you cannot claim. Find out when you can claim here.
Wedding insurance costs anything between £20 and £300 for a policy, depending on the level of cover you choose and the insurer.
You should buy wedding insurance before you start spending money, for example before booking a venue. Most insurers let you take out cover two years before your wedding day.
You can only claim if the bad weather is extreme enough to mean your guests cannot reach the venue.
Yes, you can get cover for civil partnership ceremonies.
Yes, if you take cover out after making a booking, any bookings or orders you make before the start of the policy will be protected once the policy starts.
No, you can't pay for wedding insurance monthly. Instead, you pay in a single, up-front instalment because wedding insurance is designed to cover a one-off event.
You can get last minute wedding insurance but it is always advised to get wedding insurance as soon as you can. You will still be able to purchase it a week before the wedding if you need to.
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