Choosing the right Wedding Cover for you
We know that choosing the right wedding insurance policy can sometimes be tricky, as no two policies are the same. Trying to compare policies across different providers to determine which one is right for you can be difficult and time consuming.
To make it easier we have provided a brief comparison below of all the policies available on the market today and the key differences in cover. Remember, when selecting an insurance policy please make sure you select the cover that is most suited to your needs and not purely based on price. You may well be able to purchase a cheaper policy, but that policy might not provide you with the protection or cover you need so if and when it comes to a claim you may still find that you are out of pocket.
Cover Comparison
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Insuremyday | WedCover | Insurance Emporium | Weddingplan | Dreamsaver | InsuraWedding | Emerald | Riviera |
|---|---|---|---|---|---|---|---|---|---|
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Cancellation Limits
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Up to £100,000
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Up to £80,000
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Up to £80,000
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Up to £75,000
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Up to £65,000
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Up to £100,000
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Up to £15,000
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Up to £100,000
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Up to £75,000
|
|
Financial Failure Limits
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Up to £50,000
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Up to £40,000
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Up to £32,000
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Up to £37,500
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Up to £35,000
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Up to £30,000
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Up to £6,500
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Up to £30,000
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Up to £22,600
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|
Financial Failure Claims Restrictions
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Unlimited up to Section Limit
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Unlimited up to Section Limit
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Unlimited up to Section Limit
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1 Claim
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1 Claim
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1 Claim
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1 Claim
|
1 Claim
|
1 Claim
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COVID Cover
(for Serious illness, death)
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Exclusion Period on Financial Failure Claims
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30 Days
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90 Days
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90 Days
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14 Days
|
8 Weeks
|
14 Days
|
14 Days
|
14 Days
|
14 Days
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|
Limit on Payments & Deposits paid prior to the wedding
|
No limit
|
90 Days
|
90 Days
|
No Limit
|
No Limit
|
No Limit
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No Limit
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No Limit
|
30 Days
|
|
Fees for changes
(i.e. Venue changes, date changes etc)
|
No Fees
|
Up to £15
|
Up to £15
|
£10
|
£10
|
No Fees
|
No Fees
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No Fees
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No Fees
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|
Personal Liability
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£2m
|
£2m
|
£2m
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£3m
|
£2m
|
£2m
|
£2m
|
£2m
|
£2m
|
|
Public Liability
(to cover all guests invited to the wedding)
|
(up to £5m)
|
(up to £2m)
|
(up to £2m)
|
£3m Included As Standard
Optional Add-on to £5m
|
(up to £5m)
|
(up to £5m)
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(up to £2m)
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(up to £5m)
|
(up to £2m)
|
|
Excess on Cancellation & Rearrangement
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NIL
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NIL
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NIL
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NIL
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£50
|
£100
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£150
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£100
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£100
|
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Excess Waiver
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Overseas Weddings
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Overseas Wedding Extension*
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Minimum Period
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30 Days
|
30 Days
|
30 Days
|
10 Days
|
30 Days
|
14 Days
|
14 Days
|
14 Days
|
30 Days
|
|
Maximum Period
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30 Months
|
24 Months
|
24 Months
|
24 Months
|
24 Months
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24 Months
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24 Months
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24 Months
|
24 Months
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|
Premium
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From £38.99
|
From £38.45
|
From £38.40
|
From £33
|
From £29.85
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From £45
|
From £32
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From £38.50
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From £30.94
|
Information correct as of 15th January 2024 and taken from providers websites and policy documents.
* The oversease wedding extension provides additional cover to cover cancellation due to travel related risks such as missed departure, abandonment and strikes.
Price Comparison
The following provides an overview of the premiums based on a £20,000 policy to provide and indicative example of how we compare against the other providers. This is not intended to be a like for like comparison as cover levels and terms and conditions do vary. Please ensure you read through the policy terms and conditions prior to making a decision on which policy is right for you.
| Provider | Premium (inc IPT) |
|---|---|
|
|
£87.50
|
|
WedCover
|
£86.99
|
|
Riviera
|
£87.79
|
|
Dreamsaver
|
£88.00
|
|
Covermywedding
|
£93.99
|