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WEDDING INSURANCE

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Save on your wedding insurance

What is wedding insurance?

Wedding insurance gives you financial protection for one of the most costly and important days of your life. It covers you against the cost of cancelling or rescheduling your wedding, as well as common things that could go wrong.

That means you’ll be insured if your bridesmaids or best man fall ill, or if your venue or caterer can’t make their commitments. You might even be able to get insurance against the weather. Your insurance is there to ensure that while it's likely that your wedding day will go off without a hitch, in the unfortunate event that anything goes wrong, you won't get left out of pocket.

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Do I need wedding insurance?

Whether you need wedding insurance is up to you, it is a great way of protecting your big day. Weddings take a lot of planning, preparation and they aren't cheap. Wedding insurance covers you against the cost of cancelling or rescheduling your wedding.

If you’re looking forward to a quiet ceremony with a few friends and family, odds are you won’t be left out of pocket if you have to rearrange. But if your wedding planning includes pulling out all the stops for your special day, you may want to consider getting insurance.

What does wedding insurance cover?

Naturally, just as no two weddings are the same, all wedding insurance policies are slightly different depending on your personal needs and circumstances. However, most policies cover the following bases as the foundation of your policy:

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    Cancellation / rearrangement cover

    If an important participant can’t make your wedding due to accident, illness or death, you’ll be covered – but it doesn’t count if the bride or groom simply gets cold feet

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    Trouble with the venue

    If your venue or suppliers let you down, wedding insurance will help recoup the cost – so you can rearrange your wedding to a similar standard, and without breaking the bank

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    The weather

    You may need specialist insurance for weather cover as most providers won’t insure you against rain on your wedding day. Cover for weather-related issues can vary depending on your specific policy

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    Wedding rings

    It’s everyone’s worst nightmare – but if your wedding bands are lost, damaged or stolen before the big day, wedding insurance has you covered.

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    Your photos

    You’ll want a record of your special day – but if your photographer doesn’t show up, or an accident ruins the photos during development, insurance will pay out for reshoots

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    Personal and public liability

    Your wedding insurance can cover the costs if any damage occurs to your venue or an accident occurs to you or any of your guests that you may end up being liable for

Our expert says…

Think about the most expensive event in your life – for many of us that would be a wedding. Caterers, venue, bands, flowers; the list of costs can feel endless. But what if something went wrong that meant you needed to cancel your big day? If you have wedding insurance then you can relax, knowing you are covered if you need to rearrange. As for relaxing on the day itself – unfortunately, insurance can’t help you with that!

Sam Meadows Home Insurance Expert

How much does wedding insurance cost?

The cost of wedding insurance depends on what kind of wedding you’re planning – a low-key ceremony will be cheaper to insure than a big glitzy celebration. But in general, you can expect to pay less than £150 to cover a wedding costing £20,000 – a pretty cheap price for peace of mind.

However, even if you’re not booking an expensive venue or pulling out all the stops when it comes to catering, a big wedding can still be more expensive to insure. If you decide you want public liability cover with your wedding insurance, you’ll be asked how many guests you’re expecting. More guests means a higher risk – so if you’ll have lots of people celebrating with you, insurance might cost a little more.

Example quote when comparing wedding insurance

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WedCover

  • Annual Price

    £83.99

  • Personal liability

    £2m

  • Cancellation limit

    £20,000


Great for

  • If your wedding is cancelled
  • Photography and video cover
  • Wedding day transport cover
  • Flowers and cake cover

But be aware that

  • Wedding rearrangement not covered
  • Overseas cover not included
  • Marquee cover not included

This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. Quote taken on 15.02.2024.
Learn more about our full methodology here.

What policy add-ons are available?

Every wedding is unique, so when you’re looking for wedding insurance keep an eye out for these optional extras that could come in handy:

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    Marquees

    If you’re renting a marquee, consider getting an add-on to your insurance. That way, you won’t be left with a huge bill if it’s damaged during the event

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    Ceremonial swords

    Wearing a sword for your big day can be expensive, and there’s the risk of an accident, so it’s best to get protected

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    Public liability

    You’ll be protected if anyone invited to your wedding injures a third person or damages their property

Why compare wedding insurance with MoneySuperMarket

Getting a great quote for wedding insurance is simple with MoneySuperMarket. We compare deals from a range of leading UK providers to find you our best deals:

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    Your details

    Simply enter the names and dates of birth of the happy couple, along with some information about your wedding

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    Your level of cover

    We’ll need to know the total cost of your wedding, plus whether you want add-ons like marquee or public liability insurance

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    View your quote

    Once you’ve filled in a quick form, we’ll show you a range of quotes to choose from, so you can pick the one that suits your needs

Trusted Service Awards Winners

MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.

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Getting married abroad?

Overseas wedding insurance provides coverage for weddings abroad, giving you peace of mind. Cover is available for weddings in Europe and worldwide, but be sure to check your policy details for exclusions.

MoneySuperMarket compares prices from multiple providers, offering competitive deals and additional features like public liability, marquee insurance, and even cover for ceremonial swords that you may hire for your big day. Consider travel insurance with wedding-related extras for your trip, including coverage for attire and gifts while abroad.



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How to choose the best wedding insurance

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    Add up costs

    Start by adding up the cost of the big event and how much you would be out of pocket if you had to cancel or rearrange. This will give you an initial guide to how much cover you may need.



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    Shop around

    It’s then wise to shop around to compare quotes for cover. MoneySuperMarket lets you see a variety of quotes from many UK providers that all offer different levels of cover and add-ons

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    Pick your perfect policy

    Not all wedding policies offer the same level of cover and the cheapest may not always be the best wedding insurance for you. Make sure you are aware of your policy exclusions

Wedding insurance protects you if someone important can’t attend the wedding due to illness. However, providers might have different terms and conditions, so make sure you read your policy in full before you buy.

You should be covered for deposits you’ve already paid when you take out a wedding insurance policy. However, if there’s already been an incident that’s led to you losing your deposit or having to cancel a service, a new insurance policy won’t cover you.

If the cost of your wedding rises and you decide you might need extra protection, talk to your insurer – it should be easy to get extra cover. If you decide you don’t need wedding insurance, you can usually cancel your policy within 14 days.

Wedding insurance doesn’t cover your honeymoon – but we have a range of great deals on travel insurance to choose from to help make your big getaway stress-free.

It’s usually best to buy insurance as soon as you start spending money on your wedding. That way, you’ll be covered for every penny. It doesn’t cost any more to sort out your wedding insurance early, and you can usually get insured for a wedding up to two years ahead of time.

If there’s a problem and you need to claim on your wedding insurance, contact your insurer as soon as possible.

If you’re claiming on a lost or stolen item, you should take reasonable steps to get it back. If you’re claiming on damage to your wedding attire or decorations, don’t throw them away – your insurers will want to see the damage themselves. Your insurer will also want to see any relevant paperwork – whether that’s a receipt, a contract, or a bank statement.

Then, they’ll pay out so you can replace what’s been lost, recoup your deposit, or reschedule your wedding for a different date.

Some things are always unpredictable – that’s what wedding insurance is for. But there are steps you can take to increase the chance that your big day goes off without a hitch.

Make sure your wedding rings and any other important items are stored securely before your celebration. Use trusted suppliers to reduce the chance of being left in the lurch.