Please note the FAQs below apply specifically to new policies purchased. Depending on when you purchased your policy the terms and conditions will vary. Please refer to your policy wording to see what is and is not covered in relation to your specific policy and please contact our customer service team if you have any questions or need further assistance.
Why do I need Wedding Insurance?
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?
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 of your wedding/civil partnership.
Wedinsure offers 10 levels of cover, with cancellation limits up to £100,000, with premiums starting from as little as a £38.99 one-off payment. The price you pay will depend upon the level of cover you select. You can find out more about our various cover levels and prices here. Wedding Insurance is a single one-off payment, making it a very simple and cost-effective way to protect your wedding.
Can you cover my wedding and reception if they’re taking place abroad?
- Yes our policy covers ceremonies and receptions taking place in the United Kingdom (including the Channel Islands and the Isle of Man) and abroad. We are also the first wedding insurance provider in the UK to offer a specialist Overseas Wedding Extension that provides additional protection for travel related risks associated with weddings abroad including: missed departure, abandonment and strikes. Please see our policy terms and conditions for further information on what is and is not covered.
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.
Who can purchase Wedding Insurance?
- Our wedding insurance must be purchased in the names of the prospective marriage or civil partners as they will be the policyholders. However, anyone can purchase a policy on behalf of the prospective marriage or civil partners. If you are purchasing a policy on behalf of the prospective marriage or civil partners, then please note any future claim against the policy can only be submitted by the policyholders.
Will I be covered for payments and deposits already paid prior to purchasing the wedding insurance?
- Yes, in the event of a valid claim the policy covers all proven payments and deposits paid to your wedding services supplier.
Will we be covered for pre-existing medical conditions?
There is no cover for any claim caused directly or indirectly or contributed to by you or a close relative:
- acting against medical advice (or would have been if you sought their advice) at any time during the period of insurance
- receiving any form of medical advice, investigation(s), treatment, or prescribed medication for any medical condition in the 12 months prior to the commencement date
- suffering a medical condition in the 12 months prior to the commencement date for which you/they are on a hospital waiting list for treatment
- having a medical condition on the commencement date for which you/they have received a terminal prognosis
- suffering at any time anxiety, stress or depression (unless admitted as an in-patient at a hospital)
Our ceremony and reception are on different dates, am I covered?
- Yes, you are covered for one ceremony and one reception, providing the date of your reception is within 31 days of the date of your ceremony.
What happens if one of our relatives gets sick before the wedding or dies?
- If they are a close relative (as defined in the policy) and they are not excluded by any of the medical conditions outlined in the medical declaration or general exclusions of the policy (which sets out various health-related exclusions), then you will be covered under the cancellation, curtailment and rearrangement section of the policy if, in the circumstances, it is reasonable, necessary and unavoidable that you cancel or curtail your ceremony and/or reception. However, please note the policy will not consider a claim for cancellation or rearrangement if the death of a close relative occurs more than 3 months before the date of the wedding.
Will I be covered for pregnancy?
- The policy does not cover you to cancel or rearrange your wedding because you are pregnant. If you suffer a serious pregnancy related medical complication and the expected date of delivery is at least five months after the wedding date, then a claim for cancellation and rearrangement may be considered.
Are civil partnerships covered?
- Yes, of course. Wedinsure covers both weddings and civil partnership ceremonies and receptions.
Do you cover multiple ceremonies and receptions?
- Yes we do. You can cover up to 1 ceremony and 1 reception on each policy. If you are having an additional ceremony and/or reception, then you can purchase another policy to cover those separate events.
Can I purchase more than one policy for the same wedding to increase my cover?
- No, the cover limits are the maximum amounts payable per section per wedding irrespective of the number of policies you purchase to cover the same wedding. Under no circumstances can you benefit from double payment (dual insurance) under the terms of any of our insurance policy (multiple policies does not mean multiple limits).
I’m using a wedding planner to arrange our wedding, am I covered if they cease trading?
- You are covered for costs directly contracted by you to them for their services only.
I’m having a non-legally binding ceremony. Is that covered?
- Yes, our policy also covers ceremonies and blessings that celebrate a marriage. As such it does not have to be a legally binding ceremony. This can include religious ceremonies, humanist ceremonies, interfaith blessings, civil partnerships and more.
Is the price a one-off payment?
- Yes, the price you see displayed represents a one-off payment only. So there are no re-occurring payments or renewals etc.
Do you cover payments and financial contributions made by others?
- Yes, our policy will cover any proven financial contributions and payments made towards the cost of the wedding by others.
Under what circumstances would the COVID-19 exclusion likely apply?
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 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
We currently live abroad but our main home is in the UK. Are we eligible to purchase the policy?
- If the wedding is taking place within the United Kingdom, at least one of the marrying couple must be a permanent resident of the United Kingdom or if living abroad at the time of purchasing the policy then they must be a British citizen. If the wedding is taking place abroad, then at least one of the marrying couple must be a permanent resident of the United Kingdom on the purchase date.
Do you cover cancellation caused by COVID-19?
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 if the positive test result is not confirmed using an antigen or lateral flow test(s), a Certified Antigen Test result, a medically approved test result and/or a Registered Lateral Flow Test result.
- 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.
How does the rearrangement benefit apply to a claim for cancellation and rearrangement?
- The rearrangement part of Section 1 refers to 'Additional Costs' to rearrange your wedding to the same standard as originally booked and budgeted up to the maximum of the sum insured. This is in addition to the cancellation benefit. In the event of a valid cancellation claim you would be covered up to the total limit of section 1 (Cancellation) for irrecoverable payments incurred as a result of the unavoidable cancellation of the wedding. If you have an increase in costs associated with the rearrangement of your wedding, then you would submit those additional costs under part 3, rearrangement. Please note, any claims under Rearrangement for 'additional costs' must be agreed in advance by the claims department.
Are we covered if we change our mind and don’t proceed with the wedding?
- No, this is one of the main exclusions of all wedding insurance policies. We do not cover disinclination to go through with the wedding regardless of the circumstances.
making a claim
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 Claim section of the website for further guidance.
What should we do if we think we need to cancel/rearrange our wedding?
- If something has happened that you think means you need to claim under the policy for cancellation or rearrangement, we strongly recommend that you contact us on 0800 005 1261 as soon as possible, and before you make any decisions or arrangements with your wedding services suppliers. This is because cancelling the wedding and/or the wedding reception exposes you to liability for costs and we want to help as much as we can to mitigate those costs and to help you understand what is and is not covered under the terms of this policy.
A wedding supplier with whom I have contracted is in financial difficulty or has ceased trading. Can I purchase wedding insurance now to protect the money I have already paid and make a claim?
- No. This will constitute a circumstance of which you are already aware of, or a circumstance already in the public domain, that will inevitably lead to a loss and is, therefore, not insured under the terms of the policy. This would lead to any such claim being declined and more seriously, depending on the circumstances, could be considered potential insurance fraud.
What’s the best way to ensure I have protection for losses arising from failure of a supplier or damage to wedding related goods?
A wedding insurance policy should provide you with good protection but there are same basic steps you can take:
- Ensure you have a clear and written contract with all your suppliers.
- Keep receipts and copies of any communication with your suppliers.
- Consider paying by credit card whenever possible as this can also give you additional protection under the Consumer Credit Act.
making a change
What if I want to cancel my policy?
- If, after reading your policy, you decide the insurance does not meet your requirements, you will have 14 days to cancel the policy starting on the day you purchase the policy. To cancel, please contact us by email at email@example.com. On receipt of your cancellation instruction, we will refund any premiums already paid, except when you have already made a claim under your policy or your wedding has already taken place.’
Can I make a change to my policy?
- Changes to personal details such as names, address, contact details etc can be submitted anytime. If you need to change your cover level, dates or the venues outlined in your policy schedule then please contact our customer services team at firstname.lastname@example.org to discuss further. In some instances, we may need to charge you an additional premium (for example when you are increasing your level of cover) and in some instances we may not be able to accommodate your request and you may be required to purchase a new policy (for example if you are changing the date of your wedding and it extends the policy beyond the 30 month limit). In addition, if you are making a change that materially increases the risk for the insurer then you must notify us.