Use our table below to help compare wedding insurance providers. Click on the column headings to sort the table by the criteria you are looking at. This table contains all of the packages from all of the wedding insurance providers, and can be used to help you find the best package to suit your wedding insurace needs.
As with any type of insurance cover, we always recommend that, if you are unsure about whether you need a particular type of financial product (such as wedding insurance) or whether you’re having difficulty in deciding which provider to go with, that you seek independent professional advice. The Financial Services Authority will provide you with a list of Independent Financial Advisors (IFAs) who will provide this service for a fee.
So, you’ve become engaged and you’re started to get excited about planning your big day – but suddenly thoughts of disaster come to mind. Weddings are undoubtedly some of the happiest events in our calendars, and for those getting married, they can be the happiest days of your life. Wedding Insurance aims to cover you financially if something goes wrong.
Of course, all wedding insurance policies have different levels of cover, and generally you’ll pay more for a policy which offers more comprehensive cover, than a policy that offers just basic options. There are however some key cover options which most policies will cover as standard (again, we must emphasise the importance of checking the policy documents on the specific insurers website to check which options are included), some of these cover options include:
Cancellation of your wedding
Usually there are a number of caveats surrounding this policy feature. Cancellation will usually only be covered if it is due to reasons outside of your control, usually limited to things like the unexpected death or illness of a member of the wedding party, or in some cases things like extreme weather or political instability. We would like to note however, that most Wedding Insurance policies will not cover against 'cold feet'. That is, if the bride or groom makes a decision themselves not to get married for whatever reason, then you won’t be able to claim for cancellation of the wedding.
As with most types of insurance ‘pre-existing conditions’ aren’t covered. That means that you must be completely up front with the Wedding Insurance provider when you take out your policy about any circumstances which you already know about, that may affect your big day or any insurance claims that take place as a result.
In terms of the level of cover which you will need to take, most providers give the headline ‘cover from’ amount, as the maximum amount of cover that they will offer in the event of a cancellation of your wedding.
This is therefore one thing that you will need to consider when deciding which wedding insurance policy to choose. If you know that the total cost of organising your Wedding is £15,000 then you should take a policy which covers your up to £15,000. Our table above shows policies with cancellation cover ranging from £2,500 to £100,000. Make sure you pick an option that will provide adequate cover if your wedding is cancelled.
Failure of suppliers
This cover option is usually present in most Wedding Insurance policies. All it means is that if one of your suppliers fails to meet their contractual obligations to provide a product or service for your big day, then your insurance will cover the cost. Depending on the policy the figure could be the amount you paid initially, or the amount it would cost to rearrange or rebook that particular suppliers service. Usually the amount covered, will be the cost of you having to find an alternative option – potentially at short notice. Of course most providers of wedding services know how important it is that they meet their obligations, so the most likely reason for this failing to happen is generally the failure of their business. If one of your suppliers goes bankrupt or goes into liquidation, then you are likely to be covered – depending of course on the level of cover that you have selected.
The types of product or service covered (but not limited to) include things like:
- Wedding photography (and the re-taking of photographs if they can’t be done properly on the day)
- Wedding transport, such as the car taking the bridge to the church or taking the bride and groom to the reception. Again, you’ll usually be covered for the cost of re-arranging alternative transport to your venue at short notice
- Wedding Catering – at least for your reception, this can be one of the most disastrous things to go wrong. If your caterer fails to provide the service that you have booked (and by this we mean that they don’t turn up rather than just providing an unfriendly table service for example), then again, your Wedding Insurance should cover you to book an alternative at the last minute.
Damage, theft or loss
Weddings are usually thought of as being entirely happy events which involve only your closest friends and family. Unfortunately for some thieves have been known to target wedding receptions as places where high value items are usually on show. We are taking of course about the wedding gifts. Some wedding insurance policies will cover you in the event that your wedding gifts are damaged or stolen during the period in which you’re celebrating your marriage (i.e. the cover will stop a certain period after the reception has finished).
As with all types of insurance when it comes to theft, you’ll usually need to ensure that you report any theft to the local police within 24 hours to enable you to make a valid claim.
As well as gifts, damage to things like the wedding flowers or decorations will sometimes also be included in the cover. Another thing that damage cover will usually compensate for, is damage to wedding attire. If you accidentally damage your wedding dress or wedding suit, then it’s likely your wedding insurance will cover you.
Finally (but by no means least importantly), your wedding rings will usually be covered by your wedding insurance. Usually the rings are only covered from being in transit to the ceremony, up until the end of your reception however if any loss or damage does occur in that period, you should be able to claim for the cost of new rings on your wedding insurance.
Injury and damage to third parties
You’re likely to only find public liability insurance included in the more expensive wedding insurance cover options, however some policies do provide it. This cover will provide a set maximum level of cover if any injury or damage occurs with regard to any third party property or health. You’ll usually have to pay more to extend this kind of cover to your guests (as they’re part of your party), however it is possible with some policy options.
Injury to the Bridge or Groom is generally also covered in most policies. Whilst of course it’s the last thing you would think of happening, unfortunately death or serious injury do occur.
Whilst weddings are generally safe places, it can give you piece of mind to know you’re financially covered when something does go wrong. You'll only be covered during a specific period on the day of your wedding.
Other wedding insurance options
The key points above outline most of the things which a standard wedding insurance policy will cover you for, however most insurers do give you the choice to take optional extras, which will enhance the level of your cover for an additional fee. We have provided a comprehensive but by no means exhaustive list of some of these options below:
- Overseas Wedding Insurance cover
This does exactly what it says on the tin, and will extend the levels of cover in your standard policy to cover a wedding taking place abroad
- Honeymoon insurance
Some insurers will effectively add a travel insurance option to your wedding insurance policy which will cover you specifically whilst you’re on Honeymoon. This can work out cheaper than taking out a seperate travel insurance policy, however we'd recommend getting quotes for both options to see what works best for your circumstances.
- Public liability insurance
As we mentioned above, public liability insurance isn’t always covered as standard, so check the policy wording for the policy that you are considering taking to see if this is the case.