Over the weekend, BBC News reported on the story of a couple who had to cancel their wedding as a result of heavy snow.

Despite having wedding insurance, their insurer initially wouldn’t pay the full claim as a third of the guests had managed to make it to the venue. However, AXA who underwrite the policy from Events Insurance have now agreed to pay the claim in full.

The Financial Ombudsman Service (FOS) is warning couples to check their policies carefully and read the small print to make sure they know exactly what is and isn’t covered.

We agree with this completely and if you’re in any doubt as to whether something is or isn’t covered, pick up the phone and ask your insurer.

Couples should also make sure they’re fully insured too. We carried out a study last year that showed that couples are, on average, under-insuring their weddings by as much as 30%! If a couple is not insured for their complete budget and they find themselves having to make a claim on their wedding insurance policy, they may end up getting a lot less than they expected.

InsurerUp down arrow Cancellation CoverUp down arrow PriceUp down arrow ExcessUp down arrow Link
Weddingplan
Diamond +
£17,000 £57.84 £25 Visit Insurer »
Weddingplan
Gold
£10,000 £36.79 £25 Visit Insurer »
Weddingplan
Silver
£7,000 £26.29 £25 Visit Insurer »
Debenhams
Gold
£10,000 £61.97 £50 Visit Insurer »
Debenhams
Emerald
£15,000 £82.68 £50 Visit Insurer »
Dreamsaver
Gold
£10,000 £40.00 £0 Visit Insurer »
John Lewis
Level 1
£10,000 £60.00 £50 Visit Insurer »
John Lewis
Level 2
£15,000 £80.00 £50 Visit Insurer »
Wedinsure
Tier 2
£10,000 £37.00 £0 Visit Insurer »
Wedinsure
Tier 1
£7,500 £29.00 £0 Visit Insurer »
Weddingplan
Diamond
£12,500 £47.32 £25 Visit Insurer »
Dreamsaver
Amber
£15,000 £60.00 £0 Visit Insurer »
Wedinsure
Tier 3
£15,000 £53.00 £0 Visit Insurer »
WeddingInsuranceSolutions
Gold
£10,000 £35.00 £25 Visit Insurer »
Emerald Life
Diamond
£12,500 £44.10 £25 Visit Insurer »

Please see the full comparison table for all levels of cover available from these insurers.