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Policies purchased on or after 23rd October 2020
Our new wedding insurance policy specifically excludes 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. Below are some examples of where this exclusion would apply:
- If your wedding ceremony or reception is not able to proceed due to continued 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
- Death or illness of the wedding participants or a close relative caused by COVID-19 including self-isolation and shielding
- If your wedding cannot proceed due to a government act, regulation, change of law or general 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).
Voted Best Wedding Insurance Provider 2019
We have outstanding feedback from our customers and the insurance industry.
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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8 levels of cover
8 levels of cover from £5,000 to £50,000
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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 and rearrangement
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Optional extra’s available
Optional extra’s available including Marquee Cover, Ceremonial Swords and Public Liability extension to £2m
*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 £31,974*, 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 £31,974! 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.
* Hitched - How Much Does a Wedding Cost? The UK Average Revealed – 15 August 2019 -
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 £50 for up to £5,000 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 two years 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 Coronavirus (COVID-19)?
- Please note, for all new customers who purchase a policy from 23rd October 2020. The policy specifically excludes all claims and losses arising directly or indirectly from any Pandemic or Epidemic including COVID-19. If you purchased a policy on or prior to March 19th 2020 then please review our Covid FAQ's for further information on the terms and conditions of your existing policy and what is and is not covered in respect of COVID-19.
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Under what circumstances would the COVID-19 exclusion likely apply?
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The policy specifically excludes all claims and losses arising directly or indirectly from any Pandemic or Epidemic including COVID-19. This exclusion would apply where it is fair and reasonable to do so. Below are some examples of where this exclusion would apply:
- If your wedding ceremony or reception is not able to proceed due to continued 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
- Death or illness of the wedding participants or a close relative caused by COVID-19
- If your wedding cannot proceed due to a government act, regulation, change of law or general guidance and advice
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: