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Policies purchased on or after 9th March 2022
This policy does not cover claims and/or losses arising directly or indirectly from any pandemic or epidemic including COVID-19, or any other circumstances in the public domain at the time of purchasing this policy, except for the cover offered under Section 1 (Cancellation, Curtailment and Rearrangement) relating to a confirmed positive PCR COVID-19 diagnosis resulting in the death, serious illness and/or self-isolation (as required by law) of either of the marrying couple (and/or the marrying couples (step) parent(s), grandparent(s), (step) children, grandchildren or siblings), which prevents participation and/or attendance as planned in the wedding or civil partnership.
In addition, unless specifically listed as covered, the policy excludes all claims and losses arising directly or indirectly from any government regulation, government act, change of law or general government guidance and advice.
This exclusion does not apply to potential claims that may arise from other covered circumstances under the policy such as the venue being unable to hold your event due to financial failure, bankruptcy, liquidation or administration and the financial failure of wedding services suppliers.
Policies purchased on or after 23rd October 2020
The policy specifically excludes all claims and losses arising from any pandemic or epidemic including COVID-19. In addition, the policy excludes all claims and losses arising directly or indirectly from any government regulation, government act, change of law or general government guidance and advice.
The Covid-19 exclusion would not apply to potential claims that may arise from other covered circumstances under the policy such as the venue being unable to hold your event due to financial failure, bankruptcy, liquidation or administration and the financial failure of wedding services suppliers.
Policies purchased on or before 19th March 2020
Please click here to find out more information about what is and is not covered under the terms of your existing policy in regard to Coronavirus (COVID-19).
what's covered?
Key features of our wedding policy*
Wedding insurance can provide essential financial protection when things don’t go to plan on your big day
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10 levels of cover
10 levels of cover from £6,000 to £100,000
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Cancellation
Cancellation/rearrangement due to illness, injury or death of the wedding participants or a close relative
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Weather
Cancellation/rearrangement due to adverse weather conditions such as floods, snow and natural catastrophe
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Financial protection
Cover for loss of deposits and payments if any of your wedding suppliers go bankrupt, into liquidation or administration
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Loss, theft or damage of key items
Loss, theft or damage of key items such as ceremonial attire, wedding gifts, rings, flowers and cake
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Personal liability
All our policies provide personal liability up to £2m as standard. This can also be extended to cover public liability for an additional premium
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Nil excess
Nil excess on cancellation, curtailment, rearrangement and Professional Counselling
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Additional Covers Available
Up to £5m Public Liability, Wedding Abroad Extension, COVID-19 extension, Marquee Cover, Ceremonial Swords and Excess Waiver
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Optional COVID-19 extension
Cover for death, serious illness due to a confirmed COVID-19 diagnosis, which prevents participation and/or attendance as planned in the wedding
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Excess Waiver
For an optional additional premium, you can choose to reduce your excess to zero for all sections of the policy
*Subject to the terms and conditions of the policy
Ready to tie the knot?
View our policy documents
Cover Options
We think that having transparent pricing matters, no hidden costs means no nasty surprises and no time wasted. You should select a tier level that corresponds to the total cost of the wedding in the event of cancellation. All prices include Insurance Premium Tax (IPT) at 12%.
The whole situation leading to the claim was stressful and difficult, but Wedinsure's dealing of the claim was prompt and exceptional, and for this my wife and I are truly grateful.
The claims process for wedding rearrangement has been an extremely positive experience at what has otherwise been a stressful and difficult time for me personally... I would highly recommend Wedinsure to anyone.
Frequently asked questions
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Why do I need Wedding Insurance?
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Whilst we hope your wedding day will go without a hitch, unfortunately occasionally things do go wrong, and when they do, then it can leave you significantly out of pocket! The average cost of a wedding in the UK is over £19,184*, which represents a major financial commitment. So, imagine you have paid that much money for your wedding and just a couple of weeks before the big day, you or a close relative falls ill and you are forced to cancel the wedding. If you haven’t got wedding insurance then you may just have lost £19,184! Wedding Insurance provides essential financial protection if things don’t go to plan. This includes cover for cancellation and rearrangement due to a wide range of circumstances. In addition, the policy also covers financial failure of wedding services suppliers, personal liability, damage or theft of ceremonial attire, wedding gifts, wedding rings, photography and more. Please take a look at our policy section to find out more information on the terms and conditions of the policy.
* Bridebook - How Much Does a Wedding Cost? The 2023 UK Average, 25 July 2023 -
What Level of Wedding Insurance do I need and how much does it cost?
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The level of cover required will depend on how much you are planning to spend on your wedding in total. Once you start to plan your wedding or civil partnership you should start with a budget in mind to cover all the key aspects such as venues, catering, photography, flowers, attire, cakes, entertainment, transport etc. Once you have an approximate budget in mind you will then be able to select a level of cover that meets your planned budget. For instance, if you are planning to spend around £20,000 in total on your wedding then you will need to get cover that will compensate you up to that level in the event of cancellation.
Wedinsure offers eight levels of cover with Tier 1 starting from just £38.99 for up to £6,000 of protection. So the price you pay will depend upon what level of cover you select. You can find out more about our various cover levels and prices from the Cover page. Wedding Insurance is a single one-off payment, making it a very simple and cost-effective way to protect your wedding. -
When should I purchase Wedding Insurance?
- We suggest that you take it out as soon as you've paid for any part of the event and you have a venue and date arranged, so that your deposits are covered. Wedinsure Wedding Insurance can be purchased a maximum of 30 months before the wedding date and must be purchased at least 1 month before the wedding date.
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How do I make a claim?
- In the unfortunate event that you need to make a claim on your Wedinsure policy, we try to keep things quick and simple. To make a claim please visit the claims section of the website for further guidance and information. Please have your policy schedule to hand so you can tell us the details we need to process your claim as quickly as possible. Our opening hours are 9:00am to 5:30pm Monday to Friday. For full details of our claims procedure please see our Wedinsure Policy Document or visit the Claims section.
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Do you cover cancellation due to Coronavirus (COVID-19)?
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You are able to purchase the optional COVID-19 Extension, which extends cover under Section 1 (Cancellation, Curtailment and Rearrangement) to cover death and serious illness following a confirmed positive PCR COVID-19 diagnosis of the marrying couple (and/or the marrying couples (step) parent(s), grandparent(s), (step) children, grandchildren or siblings), which prevents their participation and/or attendance as planned in the wedding or civil partnership.
Please note, the following exclusions may apply:
- Any claims for COVID-19 due to a positive test result which is not a PCR test or medically confirmed COVID-19 diagnosis.
- Any claims for COVID-19 due to a positive test result using an antigen or lateral flow test(s).
- Any claims for COVID-19 where the person infected is not fully vaccinated, the recommended vaccination(s) were not taken and / or the vaccination schedule completed. Consideration will be given where the person infected was medically unable to have the vaccination, and this is shown in their medical records.
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Under what circumstances would the COVID-19 exclusion likely apply?
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This policy does not cover claims and/or losses arising directly or indirectly from any pandemic or epidemic including COVID-19, or any other circumstances in the public domain at the time of purchasing this policy.
You have the option to pay an additional premium for the COVID-19 Extension, which extends cover under Section 1 (Cancellation, Curtailment and Rearrangement) to cover cancellation due to a confirmed PCR COVID-19 diagnosis resulting in the death, or serious illness, of either of the marrying couple (and/or the marrying couples (step) parent(s), grandparent(s), (step) children, grandchildren or sibling) which prevents their participation as planned in the wedding or civil partnership.
Other than the above, below are some examples of where the COVID-19 exclusion would apply:
- If your wedding ceremony or reception is not able to proceed due to COVID-19 restrictions
- Your booked venue for your ceremony or reception being unable to hold your event due to an outbreak of COVID-19
- Closure of the ceremony and/or reception venue by a relevant authority due to COVID-19
- Enforced social distancing measures such as a reduction or limit on the number of guests that can attend the wedding
- If your wedding cannot proceed due to a government act, regulation, change of law or general guidance and advice
The exclusion would not apply to potential claims that may arise from other covered circumstances under the policy such as the venue being unable to hold your event due to financial failure, bankruptcy, liquidation or administration; financial failure of wedding services suppliers; redundancy etc.
View all our frequently asked questions
From the blog
Recent articles from our blog.
Customer Support
If you need any help or assistance please contact us on the following:
0800 005 1261
Mon-Fri 9am to 5pm (exc bank holidays)
customer@wedinsure.co.uk
Claims Support
If you are an existing customer and need to make a claim then please visit the claims section of the website for further assistance: