What Does Wedding Insurance Cover?

Wedding insurance generally provides a number of different sections of cover. Whilst all policies are different (and you should find one that suits your particular individual needs) the following are generally found in most wedding insurance policies.

You may also find our wedding insurance comparison table useful. It summarises the policies and premiums of leading UK wedding insurance providers allowing you to easily find the policy that suits your needs and budget.

Cancellation and Expenses

This covers you should you need to cancel the wedding due to unexpected death, illness (such as swine flu), extreme weather or unemployment. As with most insurance policies, circumstances which are known to you when you take the policy out are excluded.

Supplier Deposits

Covers you for the loss of non-refundable deposits for example if a supplier goes bankrupt or fails to appear.

Wedding Cars and Transport

Provides for the additional cost of alternative transport should your booked supplier fail to meet their contractual obligations.

Wedding Attire

Covers you for wedding attire that is lost or damaged beyond repair.

Wedding Photographs and Video/DVD

Covers all expenses incurred in the retaking of the official wedding photographs or video/DVD should the booked professional not appear or use faulty materials.

Presents/Gifts

Covers you for the loss or damage to wedding gifts usually for a short period before and after the wedding. Gifts of money, cheques and vouchers etc are usually excluded.

Wedding Rings

Provides cover for loss or damage to the wedding rings, again for a short period before and after the wedding.

Wedding Cake and Flowers

Covers you for the loss or damage to wedding cake and flowers.

Personal Accident

The Bride and Bridegroom are covered should they have an accidental bodily injury during the period of insurance that results in death or permanent disablement.