** Please see our separate blog post for information on wedding insurance and coronavirus. **
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 many wedding insurance policies.
Cancellation and Expenses
This covers you should you need to cancel the wedding due to unexpected death or illness (including that of a close family member), extreme weather or redundancy. As with most insurance policies, circumstances which are known to you when you take the policy out are excluded.
This covers you for the loss of non-refundable deposits, for example, following the bankruptcy or liquidation of a supplier. You may also be covered for any additional costs incurred as a result of arranging alternatives.
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.
Wedding Cars and Transport
Provides for the additional cost of alternative transport should your booked supplier fail to meet their contractual obligations.
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Please see the full comparison table for all levels of cover available from these insurers.
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.
Provides cover for loss or damage to the wedding rings, again often 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.
You are insured for claims made against you by a third party. Public liability cover for the Bride and Groom is usually included and for an additional premium you can extend this to cover all guests.
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.
Covers the Bride or Bridegroom for the costs incurred for professional counselling should either party decide not to go ahead with the wedding.
Our wedding insurance comparison table lists policies from a number of leading UK wedding insurance providers. Also see our wedding insurance FAQs page where many of the key questions about wedding insurance are answered.