Wedding Insurance
Protect your special day with comprehensive wedding insurance. Cover for cancellation, postponement, supplier failure, photography, and personal liability.
Essential Protection: With average UK wedding costs exceeding £25,000, wedding insurance provides vital financial protection against unforeseen circumstances.
What's Covered
Cancellation & Postponement
Protection if you need to cancel or postpone your wedding due to circumstances beyond your control.
- Serious illness or injury
- Death in immediate family
- Venue closure or damage
- Extreme weather conditions
Supplier Failure
Coverage when key suppliers fail to deliver their services on your wedding day.
- Photographer/videographer absence
- Catering company failure
- Florist non-delivery
- Transport breakdown
Coverage Levels & Costs
| Coverage Level | Wedding Value | Annual Premium | Excess |
|---|---|---|---|
| Basic | Up to £5,000 | £25-40 | £100 |
| Standard | Up to £15,000 | £40-75 | £150 |
| Comprehensive | Up to £30,000 | £75-120 | £200 |
| Premium | Up to £50,000+ | £120-200 | £250 |
Additional Protection Options
Extended Coverage Options
Photography & Video
- • Lost or damaged photos
- • Memory card failure
- • Equipment malfunction
- • Replacement photographers
Venue & Property
- • Accidental damage
- • Public liability
- • Lost deposits
- • Alternative venue costs
Personal Items
- • Wedding dress & outfits
- • Rings and jewelry
- • Wedding gifts
- • Flowers and decorations
Common Claim Scenarios
Most Common Claims
Supplier Failure (32%)
Photographers, caterers, or other key suppliers failing to appear
Illness/Injury (28%)
Bride, groom, or immediate family unable to attend
Venue Issues (18%)
Venue closure, double-booking, or damage
Weather (12%)
Extreme weather making ceremony impossible
What's NOT Covered
Change of Heart
Calling off wedding due to relationship breakdown
Pre-existing Conditions
Known medical conditions or pregnancy at policy start
Cosmetic Issues
Minor weather that doesn't prevent the ceremony
Supplier Insolvency
May be excluded unless specifically covered
Making a Wedding Insurance Claim
Step-by-Step Claims Process
Immediate Action Required
- Contact your insurer immediately (within 24-48 hours)
- Do not make any payments or commitments to suppliers
- Preserve all receipts, contracts, and communications
- Take photos/videos if relevant (e.g., venue damage)
- Obtain medical certificates if illness-related
Documentation Needed
- • Original policy documents
- • All supplier contracts and receipts
- • Medical evidence (if applicable)
- • Police reports (for theft/criminal damage)
- • Photos of damage or evidence
- • Correspondence with suppliers
Money-Saving Tips
Ways to Save Money
Buy Early
Purchase 12+ months ahead for better rates
Choose Higher Excess
Accept higher excess to reduce premiums
Bundle with Other Insurance
Some insurers offer multi-policy discounts
Accurate Wedding Value
Don't over-insure - match coverage to actual costs
Cost Considerations
Overseas Weddings
International coverage typically costs 25-50% more
Peak Season Premiums
Summer weddings may have higher premiums
Additional Covers
Extra options like marquee hire increase costs
Late Purchases
Buying within 6 months may limit coverage options
Frequently Asked Questions
When should I buy wedding insurance?
Purchase wedding insurance as soon as you start booking suppliers and making deposits, ideally 12-18 months before your wedding. This ensures maximum protection for your investment.
Does wedding insurance cover if I change my mind?
No, wedding insurance doesn't cover change of heart or cold feet. It only covers unforeseen circumstances beyond your control, such as illness, venue closure, or supplier failure.
What happens if my photographer doesn't show up?
Good wedding insurance includes supplier failure cover, which would reimburse costs to find alternative photography and may compensate for the impact on your day.
Can I get married abroad with UK wedding insurance?
Many UK policies cover overseas weddings, but terms vary. European destinations are typically covered, while some insurers exclude certain countries or require additional premiums.
Does wedding insurance cover the honeymoon?
Some policies include basic honeymoon cover, but this is usually limited. For comprehensive travel protection, consider separate travel insurance for your honeymoon.
What if extreme weather affects my outdoor wedding?
Weather-related cancellation is typically covered if it makes the venue unusable or unsafe. However, light rain that doesn't prevent the ceremony usually isn't covered.
Protect Your Perfect Day
Get comprehensive wedding insurance quotes from leading UK providers. Compare coverage for cancellation, supplier failure, and photography protection.