Wedding insurance protects you while planning one of the most important days of your life. Find out about cover for bad weather, supplier failure and illness on your wedding day.
Wedding insurance is a type of event insurance that covers you for losses associated with problems and cancellations when you’re planning your wedding or civil partnership ceremony, like the venue cancelling or caterers failing to deliver.
No one wants to think about something going wrong with their big day. But as well as being one of the most important days of your life, your wedding day will likely be one of the most expensive - which means there’s a lot of money at risk.
Wedding insurance won’t be able to make up for the disappointment if something does go awry, it can protect you from losing out financially.
Assetsure provides insurance for your big day. Underwritten at Lloyd's of London, comprehensive cover is offered to protect your wedding plans, including cancellation, rearrangement, failure of suppliers and liabilities. Cover can start as soon as the premium is paid. Assetsure is open seven days a week to provide you with quotes and arrange insurance.
The Insurance Emporium is a one-stop-shop for insuring the things you love. With seven levels of wedding insurance cover available, they aim to help protect your big day and give you peace of mind with a simple one-off payment. Their diamond policy could cover cancellation costs of up to £50,000. Wedding rings, flowers and cake could also be covered up to £12,500, and much more.
£32,273 The cost of the average wedding
According to the Hitched 21st Century Bride Survey
Your wedding insurance policy will cover loss or damage due to unforeseen circumstances, like fire damage to the wedding dress or lost rings.
A wedding insurance policy should also cover you for:
Policies won’t cover you if you cancel due to cold feet, financial difficulty, a pre-existing medical condition for you, the groom or anyone else in the wedding party, or something minor going wrong.
If you’re using a wedding planner, they might offer you wedding insurance alongside their services, but it’s worth shopping around online to make sure you get the right cover for the best price.
There are some simple steps to follow when choosing and buying wedding insurance:
Try some of our wedding insurance specialists to find cover that suits you.
Some department stores also offer wedding cover, or you might be able to get it through your home insurance policy.
Wedding budgets come in all sizes, so it’s important to make sure you get the right level of cover.
Wedding insurers will usually have policies for several tiers of cover, so you can pick the right amount for what you’re spending.
Wedding costs can easily spiral, so make sure you’re not underinsured and contact your insurer to increase your level of cover if costs do go up higher than expected.
Most wedding insurance policies allow you to take out cover up to two years before you’re planning on getting married.
It’s a good idea to get cover as early as possible, so you’ll be covered from the early planning stages right through to your big day.
You can also buy wedding insurance days before the ceremony, even if you’ve already paid out for the venue and other expenses – but you can’t then claim for something that’s already gone wrong or that you knew was going to happen.
According to the Hitched 21st Century Bride Survey, the cost of the average wedding is £32,273.
The cost of your wedding insurance depends on factors like:
Reduce the size of your guest list, make your invitations and stock the bar yourself
Decreasing the amount of financial compensation you’d require for cancellation and failure of suppliers may result in a lower premium
Unless required, don’t add extras like increased public liability cover, marquee cover or ceremonial swords cover
Overseas wedding and reception cover will often incur extra charges
Compare insurance from a number of providers to find the right deal at the right price
If you don’t take out wedding insurance, you might still have some financial protection if things go wrong.
Your home insurance might cover some aspects of your wedding, like your rings and gifts, so check your policy.
If it’s not already covered under your wedding insurance, don’t forget to arrange your travel insurance for peace of mind over your honeymoon.
We do not offer a full comparison service on wedding insurance at Gocompare.com but instead have provided links to some companies that offer wedding insurance. These companies are not listed in an order that indicates that one is better than another but are instead ordered in line with our commercial arrangement with each one. Please remember, as different companies offer different policies, it is up to you to choose the one that best suits your needs
Gocompare.com introduces you to Assetsure, E&L and The Insurance Emporium to provide learner driver insurance quotes. All providers are authorised and regulated by the Financial Conduct Authority. Gocompare.com's relationship with Assetsure, E&L and The Insurance Emporium is limited to that of a business partnership, no common ownership or control rights exist between us.