Everything you need to know about wedding insurance

By James Story
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Everything you need to know about wedding insurance, including what you can cover, how much it will cost.

The absolute last words you want to hear when it comes to your wedding are ‘cancellation’, ‘rearrangement’ or ‘lost’. If any of these are uttered in your direction, wedding insurance could save the day and prevent you from losing your money’s worth.

What is wedding insurance?

Wedding insurance is a type of insurance policy. You pay for the coverage, and if certain things do go wrong in the run-up to your big day, the policy will cover you. As to what you will and won’t be covered for, that depends on the policy you choose and how much you are willing to spend.

Is it worth it?

If everything runs smoothly, you won’t get anything back for your money, as you won’t need to put in a claim. However, many people see wedding insurance as essential for the peace of mind it gives. Were something to go wrong, it could save you hundreds or even thousands of pounds.

Do check with each vendor first, though. All will have some form of insurance policy, and some of them will have coverage that applies to you as the customer, too. There is no point in paying double to insure the same service or possibility twice. Ask for a copy of the policy they have and keep it on file.

What can wedding insurance cover?

You might think that wedding insurance covers the venue cancelling at last minute and nothing else, but that is far from the case. You can get a policy that will pay for a replacement car service if yours doesn’t turn up (even if the replacement is more expensive). You can get coverage if a guest steals all of your wedding gifts, if your seamstress drops your gown in a puddle the day before, or if a guest is injured and the date of the wedding needs to be moved.

You can also get coverage for extra wedding-related things, like your ring, rather than paying for separate wedding ring insurance. You may also wish to insure yourself again detrimental weather conditions, military duty and sickness.

How much does wedding insurance cost?

The cost of wedding insurance can range from tens to hundreds of pounds. You’ll need to get a quote tailored to you and what you feel you need to cover. However, as a ballpark figure, you can get a basic policy from around £17, while Debenhams and John Lewis wedding insurance start at the £60 mark.

Wedding insurance is usually a one-off payment, so bear this in mind when deciding which policy to pick.

What else do I need to know?

The above advice applies to UK-based weddings. Naturally, insurance advice for weddings abroad will be slightly different. Apply these basics, but do further research into policies in the country you’ll be getting married in.

You should also be aware that there is no insurance policy for cold feet. So, you can’t ditch your partner at the altar and expect to get all the money back. Hopefully, though, this won’t be happening.

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