Last updated: 13 August 2020
Planning a wedding is an emotional and stressful endeavour. And weddings aren’t cheap affairs either, with the average wedding in the UK, costing a little over £15,000. Given the considerable investment you may make for your big day, wedding insurance can give you peace of mind in knowing that you’re protected in the event things go wrong.
When you take out wedding insurance, UK providers will cover you for when things go wrong. That can include having to cancel the wedding due to a family illness or bad weather. It can include cover for costs if a supplier doesn’t deliver or for booking a different venue or caterer due to cancellation. When you buy wedding insurance, UK providers will often offer policies in package deals, although you can get tailored policies to suit your needs. Some policies may have limits to the amount of cover they provide, so it’s important you know exactly what you’re getting from your wedding insurance.
Weddings come in all forms. From small budget intimate affairs, to large-budget extravaganzas. Regardless of the size of the day, a wedding is a significant milestone in everyone’s lives. With the best wedding insurance, UK providers will help you make sure that if things go wrong, you’ve got the protection to salvage your big day. When looking for the best wedding insurance policy that suits your needs, think about:
What you need it to protect, e.g. venue, rings and catering
How much you plan to spend to decide the amount of cover you need
Whether you have any protection already, e.g. cover when using a credit card
When you know what policy is right for you, do a wedding insurance comparison to find the best cover at the cheapest price. While it can be tempting to just get a quote from a big provider like Axa, Aviva or Direct Line, wedding insurance can often be cheaper from smaller suppliers. Doing a wedding insurance comparison will make sure you get the best deal from across the market.
Every wedding is different, so it is important to get a policy that gives you the cover you need. Once you've purchased wedding insurance, UK providers will usually cover you for:
Cancellation or rearrangement
Your wedding attire
Flowers, cakes and rings
Wedding cars and transport
Failure of suppliers
Wedding insurance should also include public liability protection. This can cover compensation if someone is injured at your wedding, or if the venue is damaged by a member of your wedding party. Once you are sure you have found the type policy that works for you, a wedding insurance comparison will help you find the cheapest deal for your desired level of cover.
The amount of wedding cover you need will depend on how much you intend to spend on your wedding. Work out what your wedding day will cost and get a policy that could pay out if you have a problem. Think about what you will pay for:
Photographs and video
Wedding cars and transport
You need to find a policy that offers the right level of cover, e.g. if your wedding costs £20,000, find a policy that offers a cancellation cover limit of at least this amount. While a wedding insurance comparison may throw up some cheaper deals, it is always critical to have the level of cover you need.
It’s possible that you may already have some protection through other means or through other insurance policies you may have.
Your credit card: If you make any wedding payments between £100 and £30,000 by credit card, you can use Section 75 to get your money back if something goes wrong.
Your home insurance: If you have contents insurance, it could cover your wedding gifts and rings in your home before the wedding.
While these can give you some protection, they are not a substitute for wedding insurance, which provides tailored cover for your wedding.
Destination weddings are becoming increasingly popular in recent years. If you are abroad, it may be even more important to consider wedding insurance. UK weather may not ruin the big day, but there is still plenty that could go wrong! There are many insurance companies that offer wedding insurance abroad, though they may cost a little more. It’s also possible that some policies may not provide certain types of cover for overseas weddings. For example, public liability.
You could pay anything between £20 and £300 for a policy, depending on the level of cover you choose and the insurer.
Get cover before you start spending money, e.g. booking a venue. Most insurers let you take out cover two years before your wedding day.
Bad weather is not covered unless extreme conditions mean your guests are unable to reach your venue.
Yes, wedding insurance policies can cover civil partnership ceremonies.
Yes, any bookings or orders you make before the start of the policy will be protected once the policy starts.
No, you pay in one up-front payment because wedding insurance is to cover a one off event.