Wedding Insurance Articles

Brexit Uncertainty Sees a 25% Drop in Overseas Weddings

Beach wedding

Post-referendum economic and travel uncertainty has meant fewer couples are booking overseas weddings, according to Leeds based firm CompareWeddingInsurance.org.uk.

New research published by the insurance comparison site today shows a 25% fall in the number of British couples choosing to get married abroad after the referendum compared to those with wedding dates before.

“A beach wedding, guaranteed weather and often lower costs are all great reasons for couples to consider booking an overseas wedding.”, said Managing Director, Adam Leyton.

“However, with uncertainty over whether we’ll be leaving the EU and the impact that may have on both the economy and travel, it appears that fewer couples are now looking to travel abroad.”

A weakened Pound and therefore poorer exchange rates could make an overseas wedding considerably more expensive than it is now. If the UK does vote to leave, there could be visa issues to consider too.

At the present time, a marriage held in a different EU country is guaranteed to be recognised in all 28 EU member states. Should the UK vote out, that may no longer be the case, potentially adding a further administrative headache for those getting married elsewhere in Europe.

“Sun and sand or a tranquil remote villa both make idyllic wedding settings.”, said Mr Leyton.

“It’s clear though that there are just too many unknowns at the moment and many couples are choosing to play it safe and get married at home instead.”

Notes:

For weddings held prior to 23/6/16, 6% of couples were travelling overseas for their wedding. For weddings to be held after the referendum, the percentage being held outside of the UK falls to just 4.5%.

Data from a sample of 1670 wedding insurance sales was used, 835 from policies purchased by couples whose weddings were before the referendum and the same number whose weddings will be held after.

Wedding Insurance – The Small Print

Woman carefully reading documentGiven the huge costs, both financial and time, involved in weddings, it is prudent to protect yourself financially with wedding insurance.

From no show DJs to double-booked reception venues, storm damaged marquees to serious injury, wedding insurance provides peace of mind that if things do go wrong, you should at least not be left out of pocket.

However, it is very important that when you choose your insurance, you take a little time to read the small print. What is covered varies widely between insurers, and reading your policy documents carefully could save you a lot of time, money and stress.

Things you should to check

As well as bearing in mind the specific requirements for your wedding, for example purchasing marquee insurance if you are using a marquee, it is worth checking the insurance policy you have chosen for details such as:

  • If the wedding and reception are on different days, are you covered for both?
  • Is the entire policy valid if you are having a wedding abroad, or are there exclusions?
  • Do guests have personal liability insurance, in case they damage something or injure someone?
  • Does the insurance cover damage caused due to alcohol consumption?
  • Does the insurance cover deposits that were paid before the insurance was taken out?
  • What is the excess? This is what you will be required to pay if there is a claim made. Check if it varies depending on the claim.

Time restrictions

Some policies may place time restrictions on some of its claims. For example:

  • Redundancy may not be covered if the insurance is not taken out 8 weeks prior to the redundancy being announced;
  • Weather related claims may not be covered if insurance is taken out less than 2 weeks prior to the event.

Note that an insurance policy does not usually start until you have paid for it in full.

What you will not be covered for

There are some instances in which you are unlikely to be covered at all, for example:

  • Cold feet – unfortunately the policy will not pay out if the bride or groom decide not to go ahead on the day. However, some policies will cover the cost of counselling;
  • If you cancel the wedding as you cannot afford to continue with wedding plans;
  • Theft of gifts, wedding attire etc due to lack of care and attention. For example, items left on view in a locked car, or left in an unlocked hotel room;
  • Any travel or accommodation costs for weddings abroad, as well as your honeymoon will require travel insurance;
  • Wedding cancellation due to undisclosed pre-existing medical conditions (note that your insurer may also add specific exclusions to your policy for disclosed pre-existing medical conditions);
  • Money and vouchers as gifts (although these may be covered if they are secured in a safe);
  • Under-insurance – always check that the total amount you are insured for will actually cover the cost of reorganising the wedding. You will only get paid the amount you have agreed to be insured for, leaving any extra costs to be covered yourselves.
  • Claims against a supplier where you have no written agreement or contract, or where you have made payments outside of their normal booking arrangements (i.e. paid the full amount earlier than required).

Vendor’s Insurance versus Wedding Insurance

Bride with wedding plannerThink of all the suppliers and vendors of wedding services you may be involving in your wedding plans. For example, you may have:

  • Photographers
  • Venue
  • Florists
  • Wedding attire hire
  • Entertainment
  • Marquee hire

…to name but a few! We take a look at what insurance you should expect them to offer as part of your contract with them, and why, if they offer this cover, you need your own wedding insurance policy as well.

What you should expect wedding suppliers to insure?

Suppliers of wedding services do not, theoretically, have to provide any insurance at all. However, any reputable business will ensure that they are adequately insured for public liability at the very least, with other insurances offering peace of mind to their customers in the unfortunate event of anything going wrong on the big day.

You should expect your suppliers to supply some, if not all of the following insurances (indeed, they may even have other cover too!):

  • Public liability insurance – this covers the vendor’s liability for any damage they may accidentally cause another person or property whilst undertaking their work;
  • Professional Indemnity – this covers a vendor’s liability for failing to produce the agreed work or supplies to a professional standard. Claims can occur where a client or other person suffers financial loss as a result of alleged errors or omissions on the vendor’s part;
  • Insurance to cover a vendor’s equipment being stolen, damaged or lost – i.e. camera insurance for photographers, audio equipment insurance for DJs;
  • Car/van insurance – vendors should be insured for any vehicle that they drive or transport their goods in, and for the storage of their goods in it overnight if applicable;
  • Fire/electrical insurance – this covers any claims made against the vendor if their electrical items cause a fire;
  • Legal expenses cover.

So why do you need insurance too?

At a first glance, if you have chosen carefully, your vendors could easily offer a wide range of insurances covering a multitude of possible scenarios.

Perhaps the most important insurance that a bride and groom should consider is their own public liability insurance. Although vendors should have this, it only covers accidents and injury caused directly by their actions. Having your own liability insurance would cover you if, for example, you or your guests cause an injury to a member of staff, or damage a piece of property owned by the venue or a vendor. Many venues will require proof of your liability cover before you can book. You may need to pay an additional sum to cover your guests, and do check if the policy extends to damage caused under the influence of alcohol.

Other scenarios that your wedding insurance could cover, but a vendor’s insurance may not be able to assist:

  • Vendors going bust or into liquidation
  • Wedding being cancelled or postponed as a result of death or critical illness
  • Failure of suppliers to provide the contracted services
  • Loss or damage to items such as your wedding cake or flowers, once they have arrived at the venue.

For more in-depth information, please see our previous articles about how wedding insurance can cover difficulties experiences with marquees, florists, photographers, entertainment and wedding attire.

What wouldn’t be covered by your insurance?

Always read your insurance documents carefully, as there are some scenarios which would not be covered, for example:

  • Problems with suppliers with whom you have no written agreement or contract
  • Cover for any payments made to a supplier which are outside that supplier’s normal booking terms (i.e. if you are asked to pay the full fee up front earlier than stated in their terms and conditions)
  • Cancellation of the wedding due to ‘cold feet’ or a pre-existing medical issue.

Consumer Credit Act 1974

It is worth a mention that the Consumer Credit Act 1974 states that if anything goes wrong with a supplier where you paid with a credit card, you’re able to get your money back on purchases of between £100 and £30,000. However, this could prove a costly alternative to wedding insurance, as the suppliers responsible for the vast majority of your budget – usually the venue and caterer – often levy a card fee if you pay by plastic. This card fee is often a percentage of the total cost and would quickly become more expensive (and cover less eventualities) than simply paying with a debit card and taking out wedding insurance!

Finally

Remember to take sensible precautions when booking any suppliers for your wedding day. As well as checking what insurance they hold, you could consider checking if they are a member of any recognised trade associations, ask to see evidence of past work they have done and do some online research to check that they are a reputable business. In addition to this, ensuring that your own wedding insurance will cover your costs in the event of a problem at your wedding gives additional peace of mind on your important day.

Wedding Insurance for in Sickness and in Health

Hospital SignDid you know that wedding insurance can cover the costs of rearranging an entire wedding if a close relative is too ill to attend, or is unable to attend because they have been injured in an accident? We take a look at what sort of eventualities are covered by wedding insurance.

What would be covered?

Usually, policies will cover expenses incurred when the wedding ceremony or reception must be cancelled for most reasons beyond your control. If you need to cancel your wedding because of death or illness, the cost of rearranging your wedding will usually cover items such as ceremonial attire, bridal attire and wedding services that have been booked (but not used).

Note that there will often be a limit up to which you are insured, so check your policy wording to ensure that you have sufficient cover.

Examples of unexpected illnesses where insurance would pay for the cost of rearranging your wedding include, but are not restricted to:

  • Terminal illness diagnosis of a close relative prior to the event (but after taking out the policy);
  • Hospitalisation of a close relative due to illness or injury;
  • Illness of the bride or groom which means they cannot get to the wedding venue.

For more information about how wedding insurance can cover the cost of having to rearrange or cancel your wedding, please refer to our previous article.

Who would be covered?

Of course, you are unlikely to need to cancel your wedding because the second cousin twice removed from your work colleague has the flu. However, if a parent is taken into hospital with a serious illness, of course it would be appropriate to cancel the wedding so that the bride and groom can care for their ill relative. Policies usually define exactly what they mean by ‘close relatives’ in the policy wording, but usually include the death or illness of the bride, groom, civil partner, close family or key members of the wedding party – people without whom it would be inappropriate to go ahead with the wedding.

You may be required to make a medical declaration for every person that is ‘key’ to the wedding, as part of your insurance application.

Injury during the event

Many wedding insurance providers will not can not only cover rearrangement costs if a close relative is ill prior to the wedding, but usually will also offer public liability insurance. This means that if a guest or relative is injured at the wedding or reception, and the bride and groom are deemed liable, insurance will pay for your legal liability for accidental injury to any person or damage to their property.

What might not be covered?

Note that there are a few scenarios that are often not covered by standard wedding insurance – check your policy wording carefully if you are concerned. For example, you may not be covered for:

  • Any circumstances that you know of when you take out the policy, and which are likely to cause the wedding, ceremony or reception to be cut short. For example, ongoing medical conditions, or conditions that you have been treated for (including consultations), in the 12 months prior to the insurance policy commencing;
  • The Bride, Groom or partner deciding not to go ahead with the marriage/ceremony;
  • Some injuries during the event , for example, liability claims due to you (or anyone on your behalf) using a mechanically propelled vehicle, bouncy castles and other inflatables, firearms, fireworks or other pyrotechnic devices or effects;
  • Injuries due to extreme sports;
  • Cancellation of weddings booked abroad.

Remember that there is usually an excess that you will be required to pay in the event of a claim. This varies from policy to policy, so ensure you are happy with the amount prior to taking out insurance.

Wedding Insurance Cover For Officiants Not Attending

Minister with BibleOf all the essential parts of a wedding, the wedding officiant – whether it be a registrar, minister, rabbi or other celebrant – is the key part, without whom you simply could not get married. Wedding insurance will often cover you in the event of the officiant not being able to carry out your wedding ceremony on the planned day, saving the potentially huge costs involved in rearranging the event.

What could go wrong?

Imagine, you both arrive at the church, your guests are waiting in the church, and the flowers look great and even your cars showed up on time. Now all you have to do is to say your vows and then be whisked away to the reception and the wedding will be all that you ever dreamed it would be. However there is a problem, there is no vicar to marry you so the wedding has to be postponed.

From heavy snowfall experienced during many British winters to the hurricane force winds experienced recently this year, weather is among the top reasons that prevent your wedding officiant from being able to attend your wedding. It is, of course, also totally out of your control and can be fairly unpredictable.

However, there are other reasons that may mean that your officiant is unable to carry out your wedding, and it is always worth checking that your wedding insurance includes them.

Wedding Insurance cover

Wedding insurance will usually cover the cost of cancelling or rearranging the wedding due to the wedding officiant not appearing as expected. Valid reasons for this could include:

  • Adverse weather conditions meaning that the officiant is unable to travel to the required venue in time;
  • Officiant being ill or injured, meaning that they are unable to attend;
  • Double booking – for example, your officiant discovering that they have booked to attend two weddings at the same time;
  • Officiant accidentally going to the wrong venue (as long as you have provided the correct address);
  • Officiant simply not turning up at all!

With wedding insurance, if any of the above scenarios befall you on your big day, you should usually be able to claim on it to cover the expenses so far and then plan again for another big day in the future. This is just one of the many aspects that the insurance may cover. Typically the policy covers such as vendors letting you down, your venue letting your down, the dresses and rings and numerous other wedding related events that may otherwise mean financial loss.

What may not be covered?

Some scenarios may not be covered – if you feel you may be at risk of any of the following then consult with your insurance provider. For example, cover may not be offered if your officiant is unable to conduct the wedding due to:

  • Bride or groom getting ‘cold feet‘;
  • Guests unable to attend due to unforeseen work commitments;
  • Cancellation of wedding due to strikes.

There may also be an excess payable for some or all claims – again you need to check the specific details of your wedding insurance for this as it will vary from policy to policy.

Wedding Insurance Cover For Entertainment Providers

After the excitement of your amazing wedding, you should be able to calm down and enjoy the reception. But what if the entertainment doesn’t turn up?

What could go wrong?

Bride and Groom DancingWhatever act you have booked for your wedding reception – from a solo jazz pianist to a full size swing band, from a magician pulling white rabbits out of hats to a professional DJ – you are probably relying on them to keep your guests entertained all night long. What would happen if, for whatever reason, they called the day before the wedding to let you know that they had double booked and were dropping your contract? Or, even worse, if they simply didn’t turn up to your event? Of course, nothing could change the panic caused by this, but making sure that your wedding insurance will cover the financial implications is one less thing to deal with.

What to look for in wedding insurance policies

Often, your entertainment supplier will be referred to as a ‘wedding service’ in your contract. Read through your policy to ensure that costs such as the following are covered:

  • irrecoverable expenses incurred, for example your deposit, if the band, dj or other entertainment provider cancels your event;
  • costs of rearranging your entertainment if your wedding is cancelled or rearranged. There are a few restrictions that apply here – see our previous article about cancelling and rearranging weddings for more information;
  • bankruptcy or liquidation of the entertainment supplier that you have contracted and paid for. Cover should include irrecoverable deposits and the additional cost of arranging alternative entertainment. (Note that you will still be expected to pay the amount you had originally agreed to pay your entertainer – if the only suitable replacement entertainment available is more expensive then insurance will only cover the additional expense.

What the band or DJ should be insured for

  • Usually, public liability on your wedding insurance does not automatically extend to cover paid for entertainment, such as bands or DJs. This is because, as a paid, professional service, they are expected to have their own liability cover.
  • You can extend your own public liability cover to cover the liability of your guests while at the event (as long as your guests are not performing as part of the band).
  • As well as public liability/third party insurance cover, your entertainment provider should have insurance to cover their own business equipment and transport.

What might not be covered

  • Public liability to cover guests whilst at your event may not be available for overseas weddings and, in fact, may not be available at all if your wedding is in the USA or Canada.
  • You will only be covered if you have a formal written contract with your entertainment provider.
  • Your own audio visual equipment used at your event will not be covered, unless it is specified in your insurance policy.
  • Costs for rearranging or cancelling entertainment if your wedding is cancelled due to ‘cold feet’ or pre existing medical conditions.
  • Your insurance policy will also set an excess, which you will need to cover in the event of a claim.

A few minutes taken to check your insurance cover could mean a lot less stress and financial loss if your wedding singer gets laryngitis or your magician disappears in a puff of smoke! Hopefully this information will help you to read and understand your wedding insurance policy with more confidence – remember to always check with your insurance provider if you are unsure as to the cover you are being offered.

Something Borrowed, Something (Very) Blue

Wedding insurance is fantastic for covering a wide range of unforeseeable circumstances, including a wide range of medical conditions. However, it is important to be aware that there is one medical condition for which you will find it impossible to obtain cover: cold feet.

This was discovered just recently by a young couple and their family who were getting married in Austria. In fact they did get married, the ceremony went well and everything seemed to be going perfectly. After the wedding there was a brief lull in proceedings before the reception, and it was during this lull that the proud Father of the Bride wandered into the kitchen and had the surprise of his life.

Don’t tell the Bride

As he entered the kitchen he discovered his new son-in-law enjoying a pretty intimate relationship. This might well have been bad enough had the woman in question been the Bride. But she was not. The only very recently married Groom was having a pretty intimate affair with one of the waitresses.

In a demonstration of extreme self control the father of the Bride simply sent all of the guests away without any explanation or fuss. He and the Bride then headed straight to the wedding Registry Office to demand a divorce. As is the case in the UK, this was refused and she was forced to remain married to her unfaithful husband for six months.

Unlike in the UK, whether unfortunately or not is for you to decide, under Austrian law the husband was forced to pay the Bride alimony once the divorce was permitted.

Although a pretty unpleasant experience, and a rather uncomfortable six months, in the end the Bride got both her freedom and a significant sum of money. The Groom also managed to get what he wanted as well. He is now married to the waitress.

Does wedding insurance cover cold feet (“change of heart”)?

But this situation is one in which wedding insurance would be of no help. Having a decent wedding insurance policy is essential, and does cover almost every aspect of the wedding, but in the UK there is not one single insurance policy that we’re aware of which will cover either party changing their mind and pulling out of the wedding. Unfortunately every year there are plenty of couples who do end up cancelling their wedding as a result of cold feet, or discovering that their future partner is less than faithful, and this can be extremely expensive decision.

Even in the US, where insurance and litigation rule the roost, there is only one wedding insurance company which offers to cover cold feet. Technically they call it a ‘disinclination to marry’, and there are some specific restrictions, such as the fact that the insurance cover can only be purchased by the person who is financing the wedding, and not by either the Bride or Groom. Under this ‘disinclination to marry’ a claim can only be made if the wedding is cancelled at least 180 days before the event.

But whilst cold feet, chilly toes or frostbitten ankles will not be covered by any policy, is important to appreciate that if it is not possible to even foresee your future husband or wife changing their mind about getting married, or at least about who they’re going to marry, it is clearly going to be much harder to foresee other problems far beyond the control of either the Bride or Groom.

From illness and food poisoning to being detained by the police, and from flooded venues to bankrupt caterers, unforeseen problems come with only one foreseeable consequence: a significant loss of money.

Since many wedding insurance policies start from around just £20, and the average wedding in the UK is only a shade under £15,000, whether or not you feel you can rely on your future partner to leave either the waitresses or the Best Man alone, at least you can rely on your policy to see you through.

Protect Your Wedding Gifts with Wedding Insurance

Wedding GiftsWedding gifts can amount to a startling total value, so it is important to take a little time and check that you have suitable insurance in place in case they are lost, damaged or stolen during the excitement and merriment of your wedding day.

Often overlooked when it comes to insurance, wedding gifts are given in love and best wishes for the happy couple’s future together. From an insurance point of view, they are incredibly valuable. If you do the sums, 75 guests giving a gift of an average £50 each would mean a staggering £3750 in total. So, it is important to consider taking a little time to check that your gifts are insured.

What could go wrong?

While this would not bring back the gifts and would have an impact on the wedding day at least the insurance would be there financially to support the replacement of them.

Particular items of interest to thieves are the wedding presents. How often have you seen them piled up in a corner at the end of the night, waiting for the parents or some other relative to collect them and take them to some safe storage until the newlyweds return home? There have been some remarkably brazen thefts of presents from wedding receptions, often recorded in the local papers.

Will my home insurance cover wedding gifts?

Often, the answer to this question is yes, it will. However, you do need to check a couple of things and remember that it’s only the wedding gifts that might be covered – your home insurance is no substitution for a comprehensive wedding insurance policy:

  • Your insurer will require a certain amount of notice in order to increase the amount you are insured for in order to cover the gifts;
  • What is the maximum value that your home insurance will cover? If you expect to receive a significant value of gifts you may not be able to increase your contents insurance cover accordingly. In this instance, you will need to take out additional insurance.

Some providers of home insurance, Direct Line being one example, may increase cover automatically by a certain percentage for a short period of time before and after the big day.

What you should expect to be covered for:

Whether you use home insurance or a specific wedding insurance policy, you should expect the value of your wedding gifts to be covered for:

  • Loss or damage due to fire, theft, or accident whilst being stored by the policy holder or close family member;
  • Loss or damage to gifts in transit or on display at your wedding venue;
  • Cover for a short period or time – often for around a week before the wedding and 24 hours, or until a claim is made, whichever is sooner.

What you may not be covered for:

Remember that you will not be covered in all circumstances. For example:

  • Money and vouchers may not be covered at all, or only up to a specified amount;
  • Some policies will not cover damage caused by people under the influence of alcohol;
  • Check if gifts for attendants are covered, i.e. bridesmaid’s gifts, best man’s gift;
  • Any loss (other than damage) not reported to the police, usually within a 24 hour timeframe;
  • Loss or damage due to normal wear and tear or general use;
  • Theft from an unattended vehicle, unless the gifts are in a locked boot or glove compartment, and entry has been forced to the vehicle;
  • Theft from the home or wedding venue, unless entry has been forced;
  • Any costs arising from the failure of a wedding gifts supplier not contracted and pre-paid by the policy holder.

You will also be required to pay any excess agreed to in your insurance policy.

And finally…

  • You will need to provide your insurer with receipts for wedding gifts, money and vouchers if you make a claim.
  • Note if you use a gift list service, and get your gift insurance through the same provider, your insurance payment may be in the form of shop vouchers.

While insurance cannot make a difference to the disruption caused by the loss, damage or theft of precious wedding gifts it can, at least, help to relieve the financial strain for the bride and groom.

Wedding Insurance and Floristry Related Problems

Bride posing with her bouquetFlowers are a beautiful and often key part of any wedding day. They can range from simple – maybe a bridal bouquet and an arrangement – to a massive undertaking including bouquets for bride, attendants and guests, as well as decorating the wedding venue and reception.

Whatever your floral requirements, the overall cost of your wedding flowers may well be a significant percentage of your overall budget, which is one of the reasons why it is worth checking they are suitable covered under your wedding insurance.

What could go wrong?

Suppliers letting you down or delivering to the wrong venue, accidental damage to arrangements at the church, or delivery of funeral wreaths instead of bridal bouquets – all of these possible problems with flowers are just one thing you don’t want to have at your wedding! Having wedding insurance could be the difference between having no flowers at all at your wedding, and being able to go out and find a replacement florist if your booked supplier has let you down.

What to look for in insurance policies:

It is advisable to check that you are covered for a variety of florist related problems, such as:

  • Your florist or flower supplier letting you down at the last minute;
  • Your florist going bankrupt or into liquidation;
  • Accidental loss or damage to the flowers after they have been arranged at the venue.

Sometimes covered are:

  • Cover for up to 7 days prior to the wedding (but not if they are still at the florist’s premises);
  • Delivery to the wrong venue (though this may be covered by florist’s insurance);
  • Overseas weddings.

What is generally not covered:

  • Theft of flowers, unless force or violence is used to get in or out of the building (in other words, if they were left unsecured);
  • Contracts that are not pre-booked in writing;
  • Any wilful acts of vandalism that damage the flowers;
  • Cancelling your wedding due to ‘cold feet’;
  • Cancelling or rearranging your wedding date due to any pre existing medical conditions.

Also, remember that flowers will only be covered up to the amount stated in your insurance policy, and there may be an excess – check your policy wording carefully.

What insurance should the florist have?

Floral centrepieces on wedding tables.You are not expected to insure against all possible floral disasters that may befall your wedding day. Florists should provide their own insurance, including all or some of the following:

  • Public liability – covers the florist for any damage to people or third party property;
  • Business equipment cover – covers any damage to their own equipment sustained while setting up your floral displays;
  • Business vehicle cover;
  • Good in transit coverage – covers the florist’s costs if flowers and equipment is damaged whilst out of the shop;
  • Spoilage coverage – if stock is spoiled prior to the event then this will cover the cost of replacement flowers;
  • Damage or theft of stock whilst on the florist’s premises, as long as it was kept securely.

In order to ensure that your flowers are a thing of beauty and wonder at your wedding, and not one of stress and financial loss, take a few moments to check that you are adequately covered by your wedding insurance policy.

Wedding Insurance and Venue Related Disasters

Wedding insurance can cover everything from the venue burning down or going bankrupt, to injuries to guests or damage to property. For financial peace of mind, it is essential!

What could go wrong?

Bride and Groom outside their wedding venue.You simply can’t predict if Uncle Jack is going to have so much to drink that he manages to set fire to the curtains, or if the seemingly perfect venue goes into liquidation at the last minute. For example:

  • As the event organisers, the bride and groom could be liable in the event of:
    • a guest suffering injury from an accident;
    • damage to a guest’s property;
    • damage to the venue itself.
  • Your venue could make an administrative error resulting in double booking and potentially the cancellation of your wedding booking;
  • If you have taken on temporary employees to help put on the event, you could also be liable for a claim if one of them is injured whilst working at the event;
  • Your property, or property that you have hired to use at the event could be damaged or stolen, as could the venue’s fixtures and fittings;
  • Your venue could go into liquidation or bankrupt, meaning a probable loss of deposit and leaving you little or no time to find an alternative venue.

Wedding insurance to cover problems with your venue

If you are arranging your wedding through a large venue that specialises in weddings, you may find that their insurance will be sufficient to cover damage or liability claims. It should never be considered a substitute for a more comprehensive wedding insurance policy though, covering things like death, serious illness and issues with other suppliers.

Check what insurance your venue may offer and ensure that your own wedding insurance policy will cover any shortfalls. Here are some other venue-related issues to look out for in the small print of your policy documents:

  • Personal liability – This covers the bride and groom if they are held liable for any damage to any person or third party property;
  • Public liability – This covers all members of the wedding party if they are held liable for any damage to any person or third party property. Check the wording of your policy carefully to find out who will be covered;
  • Alcohol related damages – This provides liability protection against bodily injury or property damage claims by parties injured as a result of an intoxicated guest who was served alcohol at your event. Note that most policies will only cover this if the alcohol is provided by a named party who is “in the business” of manufacturing, selling or distributing alcoholic beverages;
  • Cover if venue goes into liquidation or is made bankrupt;
  • Failure to supply the venue as detailed in your contract – due to anything from overrunning building work to the venue being destroyed by fire;
  • Rehearsal dinner – check when your cover starts and finishes. Some insurers will insure 24 hours prior and after the event to enable setting up/taking down of the event, as well as a 48 hour cover prior to the event to cover a rehearsal dinner.

Wedding tables at venue

What might not be covered

  • Note that vendors at your wedding (catering, DJ etc) should have their own liability insurance.
  • There may be a limit to the amount that can be paid out in the event of a claim – check beforehand that this limit is sufficient. Often, the higher the premiums, the more you will be able to claim back on your policy.
  • Similarly, there may be an excess that you will need to pay in the event of a claim. Check your policy wording as the amount may vary depending on the circumstances of the claim.

And finally…

Nothing can solve the problem of having to find an alternative venue at short notice, but a short time spent checking the small print of your wedding insurance could provide you – financially at least – with some peace of mind if your venue lets you down.


Compareweddinginsurance.org.uk is a trading name of Leyton Solutions Limited.

Registered in England and Wales, Company number 7022117. Registered address: 86-90 Paul Street, London, EC2A 4NE.

Leyton Solutions Limited is an Introducer Appointed Representative of UK General Insurance Limited, Insure For Travel Limited and Voyager Insurance Services Ltd who are all authorised and regulated by the Financial Conduct Authority. Leyton Solutions Limited is also an Introducer Appointed Representative of Blue Insurances Limited who is authorised by the Central Bank of Ireland and regulated by the Financial Conduct Authority for UK Business.

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