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 | Covermywedding | InsuraWedding | Emerald | Riviera |
|---|---|---|---|---|---|---|---|---|---|---|
|
Cancellation Limits
|
Up to £50,000
|
Up to £80,000
|
Up to £30,000
|
Up to £75,000
|
Up to £65,000
|
Up to £80,000
|
Up to £50,000
|
Up to £15,000
|
Up to £80,000
|
Up to £75,000
|
|
Financial Failure Limits
|
Up to £20,000
|
Up to £25,000
|
Up to £5,000
|
Up to £25,000
|
Up to £16,000
|
Up to £15,000
|
Up to £2,000
|
Up to £6,500
|
Up to £22,500
|
Up to £17,000
|
|
Financial Failure Claims Restrictions
|
Unlimited up to Section Limit
|
Unlimited up to Section Limit
|
Unlimited up to Section Limit
|
1 Claim
|
1 Claim
|
1 Claim
|
Unlimited up to Section Limit
|
1 Claim
|
1 Claim
|
1 Claim
|
|
COVID Cover
(for Serious illness, death)
|
|
|
|
|
|
|
|
|
|
|
|
Exclusion Period on Financial Failure Claims
|
30 Days
|
90 Days
|
90 Days
|
14 Days
|
8 Days
|
14 Days
|
90 Days
|
14 Days
|
14 Days
|
14 Days
|
|
Limit on Payments & Deposits paid prior to the wedding
|
No limit*
|
30 Days
|
30 Days
|
No Limit
|
No Limit
|
No Limit
|
60 Days
|
No Limit
|
60 Days
|
60 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
|
No Fees
|
No Fees
|
No Fees
|
|
Personal Liability
|
£2m
|
£2m
|
£2m
|
£3m
|
£2m
|
£2m
|
From £500,000 to £2m
(depending on cover level selected)
|
£2m
|
£2m
|
£2m
|
|
Public Liability
(to cover all guests invited to the wedding)
|
(up to £2m)
|
(up to £2m)
|
(up to £2m)
|
(up to £5m)
|
(up to £5m)
|
(up to £5m)
|
(up to £2m)
|
(up to £2m)
|
(up to £5m)
|
(up to £5m)
|
|
Excess on Cancellation & Rearrangement
|
NIL
|
NIL
|
NIL
|
NIL
|
£50
|
£100
|
£35
|
£150
|
£100
|
NIL
|
|
Excess Waiver
|
|
|
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|
|
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|
Overseas Weddings
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Overseas Wedding Extension**
|
|
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|
|
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|
Minimum Period
|
30 Days
|
30 Days
|
30 Days
|
10 Days
|
30 Days
|
14 Days
|
30 Days
|
14 Days
|
14 Days
|
30 Days
|
|
Maximum Period
|
30 Months
|
24 Months
|
24 Months
|
24 Months
|
24 Months
|
24 Months
|
24 Months
|
24 Months
|
24 Months
|
24 Months
|
|
Premium
|
From £43.99
|
From £74
|
From £40
|
From £27
|
From £39.99
|
From £55
|
From £49
|
From £35
|
From £53
|
From £47.99
|
Information correct as of 18th September 2023 and taken from providers websites and policy documents.
* There is no limit on payments and deposits unless a claim is made within the first 6 months in which case the policy will only cover payments and deposits paid up to a maximum of 90 days prior to the purchase of the policy.
** The overseas wedding extension provides additional cover to cover various travel related risks associated with weddings abroad.
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) |
|---|---|
|
|
£98.99
|
|
Insuremyday
|
£165.00
|
|
Wedcover
|
£110.00
|
|
Dreamsaver (with COVID extension)
|
£147.34
|
|
Covermywedding*
|
£139.00
|
*Covermywedding is based on £25,000 of cover.