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.
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 £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 bridal and 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?
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 eight levels of cover, with cover ranging from £5,000 to £50,000, starting from as little as a £50 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.
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 two years before the wedding date and must be purchased at least 3 months before the wedding date. Please note we are not issuing policies for weddings due to take place before 1st April 2021.
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 already made prior to purchasing the wedding insurance?
- The policy covers payments and deposits paid up to 30 days prior to the purchase of the policy. If you have paid additional payments and deposits more than 30 days prior to the purchase of the policy then these payments will be excluded from any potential claim.
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 at any time during the period of insurance
- Suffering any medical condition on or before the commencement date for which they have received treatment or advice in the 12 months prior to that date or for which they are awaiting results of tests or medical investigations
- Suffering a condition on or in the 12 months prior to the commencement date for which they are on a hospital waiting list for treatment
- Having a medical condition on the commencement date for which they have received a terminal prognosis
- Suffering at any time anxiety, stress or depression (unless admitted as an in-patient at a hospital)
- Committing or attempting to commit suicide or injuring themselves intentionally
If you or a close relative upon whom the wedding depends has a pre-existing medical condition that does not fall into any one of the above conditions, then the policy covers it.
Can you cover my wedding and reception if they’re taking place abroad?
- No, our policy only covers ceremonies and receptions taking place in the United Kingdom which includes the Channel Islands and the Isle of Man.
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 are not excluded by General Exclusion 1 (which sets out various health-related exclusions) you are covered under the cancellation, curtailment and rearrangement section of the policy if, in the circumstances, it is reasonable, necessary and unavoidable that you cancel, curtail or rearrange your wedding 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 from 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?
- 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 events.
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?
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
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 2 year limit). In addition, if you are making a change that materially increases the risk for the insurer then you must notify us.