Compare costs and cover levels of wedding insurance policies offered by all the insurers in the market.
Coronavirus (Covid-19) wedding insurance update
The spread of coronavirus has resulted in considerable disruption to wedding plans. It has also caused some insurance providers to make changes to their policies and, in some cases, stop selling new policies altogether.
You can find the latest updates and advice in our dedicated Which? coronavirus information hub.
What is wedding insurance?
Wedding insurance can protect you against a range of unfortunate and costly events at your wedding.
These could range from losing the ring, to suppliers going under or the entire wedding being cancelled.
With wedding insurance premiums relatively small, and the cost of a wedding averaging over £30,000, getting covered could make sense.
However, you may already be covered by other insurances and consumer rights.
How much does wedding insurance cost?
Wedding insurance premiums can be as low as £19 and as high as £310 or more.
A higher premium buys you higher levels of cover, as well as overseas and marquee cover. However, cheaper policies may suit many people.
Knowing your budget – the total cost of your wedding – is the starting point when seeking a quote.
You could also estimate how much the different parts of your wedding are likely to cost – such as the value of rings, flowers and transport, and make sure an insurance policy offers enough cover.
Do you need wedding insurance?
Paying for anything more than £100 and up to £30,000 with a credit card means you can claim your money back from your credit card provider through Section 75 of the Consumer Credit Act, if there is a problem with goods or services that constitutes a breach of contract.
This could include your reception venue being double-booked or the wedding cake not being delivered.
You could also use chargeback rules to get refunded, if you paid by Visa or MasterCard credit card for an item that costs less than £100, or you paid by debit card. Through this process, your provider can try to get your money back from the retailer on your behalf, but it isn’t legally obliged to.
Also check your home contents insurance policy – some policies increase cover for one month before and one month after the wedding of someone in the household to cover wedding gifts and sometimes items bought for the wedding.
Travel insurance is essential if you’re getting married outside of the UK, although it won’t cover problems with wedding suppliers or the venue.
The best wedding insurance policies
We’ve scored policies from 1 (worst) to 5 (best) on the cover they offer, taking into account policy limits and any excesses.
The premium is not taken into account, however, and so these scores are not a measure of value-for-money. If your wedding is smaller a lower-scored and cheaper policy may be more suitable. You can find the limits for each policy in a separate table later in this article.
We divide policies into four categories based on the overall level of cover offered as reflected in the total score:
- Basic policies scored less than 48% in our analysis
- Standard policies offer more cover, scoring between 48% and 62%, but could come with up to £50,000 cover for cancellation which is as much or more than half of the superior policies.
- Comprehensive policies scored between 63% and 77% and can offer up to £15,000 cover for wedding dresses, rings and gifts
- Superior polices reflect the highest overall level of cover available on the market.
Wedding insurance explained
When researching wedding insurance you’re likely to see the following terms used:
In case you have to rearrange the wedding or reception due to accident, illness (providing its not pre-existing) or bereavement within the main wedding party. Cancellation cover also covers instances were the venue cancels on you.
In some policies, extreme weather that prevents 50% of your guest from attending will also be covered.
You won’t be covered if you change your mind or can’t afford to go ahead. Make sure the policy limit reflects the entire cost of rearranging your wedding.
In case the wedding dress, suits or other outfits are lost or damaged beyond repair while in your possession. The cover starts when you buy the outfits, or 24 hours before they’re hired.
You should be covered if gifts are lost, stolen or accidentally damaged, provided they haven’t been left unattended. Be aware that this cover only applies a short time before the wedding and there may be specific limits for individual items, and limits for cash and cheque gifts.
Photo or video
If your photos or videos can’t be developed or the photographer doesn’t turn up, this cover will pay for you and the wedding party to hire outfits and get the photos retaken. However, it doesn’t cover poor quality photos.
In case the rings are lost, damaged or stolen. However, be aware that this cover only applies for a short time before and after the wedding so you should add rings to your home contents insurance.
These are usually covered until the start of the reception. They’ll need to be packed properly while they’re being transported to the wedding.
Covers the bride and groom if they’re liable for injury to a third person or damage to a property, such as the venue. However, basic liability cover may not extend to injury or damage caused by guests – for that you’ll need public liability cover.
In case the transport you’ve arranged to take you to or from the wedding doesn’t turn up, you’ll be reimbursed for any deposits you’ve already paid and additional costs to rearrange transport..
In case a supplier doesn’t deliver or goes bust, you’ll be covered for any deposits you’ve paid and any additional costs you incur. Make sure you have a written contract with the supplier.
Similar to liability cover, this means the bridge or groom’s legal expenses if they’re taken to court because of an injury or damage they’ve caused.
Marquees, swords and public liability
If your wedding involves any of these, you’ll typically have to get extra cover or pay for a superior policy. Marquee cover is required where you put a marquee up on your land or hired land where the owner doesn’t also own the marquee. It will pay for any accidental damage to the marquee, staging, chairs, tables, lighting and flooring.
Ceremonial swords are typically expensive and so insurers will require extra cover.
Public liability extends liability cover to your guests, in case they cause injury or damage.
Wedding insurance policy details
Here are the claims limits for all the wedding insurance policies we analysed. Limits matter: if your wedding is more expensive, it makes sense to select a more expensive policy with higher limits. However, smaller or less expensive weddings may not require expensive insurance policies.
What about insurance for weddings abroad?
Although standard wedding insurance policy won’t apply to weddings abroad, many insurers offer specialised cover.
Even with wedding insurance, travel insurance is still essential to cover the bridge, groom and guests before and after the wedding.