Wedding Insurance Cost UK – How Much Does It Cost?
One of the most common questions couples ask is: how much does wedding insurance cost?
The answer depends on your wedding — but in most cases, wedding insurance is relatively low cost compared to the financial protection it provides. In fact, it will most likely be one of the cheapest thing you buy for your wedding.
This guide explains typical UK costs, what affects the price, and how to choose the right level of cover.
How Much Does Wedding Insurance Cost in the UK?
Wedding insurance is usually priced based on the total cancellation cost of your wedding.
Typical UK price ranges:
- £10,000 wedding – approx. £20–£40
- £20,000 wedding – approx. £40–£80
- £30,000+ wedding – £80+ depending on cover level
In most cases, wedding insurance costs less than 1% of your total wedding budget.
What Affects the Cost of Wedding Insurance?
Several factors influence the price:
1. Total Wedding Cost
The higher your wedding budget, the higher the cancellation cover required — and therefore the premium.
2. Level of Cover Selected
Policies with:
- higher cancellation limits
- broader cover
- fewer restrictions
will generally cost more.
3. Optional Extras
Additional cover such as:
- marquee insurance
- public liability upgrades
- overseas wedding cover
will increase the premium.
4. Type of Wedding
Costs may vary depending on:
- UK vs overseas weddings
- number of guests
- number of suppliers involved
Why Cheaper Isn't Always Better
While it's tempting to choose the lowest price, cheaper policies can sometimes include important limitations.
For example:
- lower cancellation limits
- restrictions on supplier types
- limits on financial failure claims
- exclusion periods before cover starts
A small saving upfront can result in significantly reduced protection if something goes wrong.
How to Choose the Right Level of Cover
The most important factor is ensuring your cover reflects your full financial exposure.
When choosing your policy:
- Include all expected wedding costs (not just deposits)
- Check cancellation limits carefully
- Review financial failure cover
- Understand any exclusions or restrictions
Is Wedding Insurance Worth the Cost?
For most couples, absolutely.
Compared to the total cost of a wedding, the premium is relatively small — but it protects against potentially significant financial loss.
Final Thoughts
Wedding insurance is one of the smallest costs in your wedding budget — but one of the most important.
Choosing the right level of cover is more important than choosing the cheapest option.
Ready to Get Covered?
Once you understand the cost and level of cover you need, you can choose a policy that offers the right protection.
