Award-Winning Emerald Wedding Insurance is BACK!

Ideally, you should take it out as soon as you have paid any deposits or signed a contract that means you will lose money if you are forced to change your plans. You can arrange our insurance for weddings no sooner than 14 days, and no later than 24 months after the policy is purchased.

Anyone can buy a wedding insurance policy, for instance the parents of the marrying couple, but the policy must be in the name of the two people who are getting married as it is their wedding being covered, and one of those two must be a UK resident.

Yes - provided you are not aware of any particular circumstances that may give rise to a claim when you take out the policy.

Our wedding insurance will cover money paid by relatives of the couple, providing they have a demonstrable financial interest of over 45% of the cost of the wedding, such as a receipt or booking confirmation.

All claims will have to be submitted by the insured couple and then the settlement passed on to the person who paid.

For wedding insurance to be valid, there needs to be at least one ‘ceremony’, meaning a legally binding ceremony or a symbolic one (such as a religious ceremony). However, anything outside the ceremony itself would qualify as a reception, even if on the same day and in the same building. So, if you are having an event after the ceremony that is more than just the ceremony itself, then that would count on the day as one ceremony and one reception. Therefore, if you also wanted to cover an event on the day before (or day after), then you would need to select one ceremony and two receptions. All events must however be within 21 days of each other.

Yes - although there are limits on some of the timeframes, and these will be made clear to you during the quote journey. If you choose a second reception/event, there will be an additional premium to pay when you purchase. 

Yes, you are covered to hold your wedding and wedding reception at any worldwide destination (apart from those where the Foreign, Commonwealth & Development Office (FCDO) has advised against all, or all but essential, travel.)

Cover for Public Liability for the marrying couple does not extend to the USA or Canada and the Optional Marquee cover, Optional Ceremonial Swords Extension and Optional Public Liability cover is only available for weddings and wedding receptions taking place in the UK.

We can only give you cover if at least one of the wedding couple is Resident in the UK. ‘Resident’ means permanently residing, in this case.

Yes - provided that there was no notice of possible cancellation of leave at the time the policy was taken out.

Yes in some limited circumstances. In the event of a successful claim for a cancellation, there may be cover for accommodation paid for by you as part of the wedding package and within the venue. This is limited to 8 nights. 

Cancellation or rearrangement due to family bereavement is covered under section 1 of our wedding insurance policy if it makes going ahead with the wedding inappropriate. However, you must answer the medical declaration for the policy in respect of all people on whom your wedding plans depend before you purchase the policy. If you answer yes to any of the medical questions with regard to a relative, you will not be covered in relation to that medical condition. You will of course be covered for anything unrelated to that relative's condition.

If you are in doubt please contact us on 0330 113 7190, before you purchase the policy.

Then the reasonable costs of taking replacement formal photographs of the couple and the immediate Wedding party can be claimed.

Many stable pre-existing medical conditions are insured automatically, both for the Couple and also their Close Relatives. There is no cover, however, for Pre-existing medical conditions that are deteriorating, have resulted in a terminal prognosis or where the condition is awaiting treatment or investigation at a hospital or you are awaiting the results of tests or investigations, unless you have declared details to us and we have agreed to insure them. You can call us to discuss a medical condition on 0330 113 7190.

Then you may claim for any irrecoverable deposits that you may have paid and also for the necessary additional costs in arranging an equivalent alternative. A definition of wedding service suppliers is included in the policy wording.

Yes - you will be covered for the additional costs of rearranging a suitable alternative venue for the same day, if that is possible, or irrecoverable amounts and additional costs of having to cancel and rearrange the whole event for a later day.

There is an optional extension that you can take to add this cover for up to £20,000 or £50,000, subject to payment of the appropriate additional premium.

The marrying couple’s Public liability is included as standard up to £2m. There is an optional extension available to add cover for the liabilities of your wedding party guests up to £2m in total. This can be further increased to be £5m with the additional extension.

Before you cancel a Wedding and/or a Wedding Reception, we strongly recommend that you call our claims helpline on 0333 234 3723 to understand the scope of your cover. We don't want you to be in a position where you cancel the Wedding and/or the Wedding Reception, but then find out that you are not covered.

No - you will need to take out separate travel insurance for your honeymoon or overseas wedding trip, which would normally include cancellation cover if you are not able to travel as planned.

Yes, there is an excess of £100 applicable under all sections of the policy, except for the Public Liability sections (sections 12, 13 & 14) which have an excess of £250.

On average, couples in the UK spend between a few tens of pounds to a few hundred pounds. It’s important to consider your specific needs and budget when choosing a policy.

It’s not too late to get wedding insurance, but it’s better to purchase it as soon as possible to have cover in place for any payments and deposits made to suppliers. You can purchase cover up to 24 months from the wedding date, so the sooner you purchase, the better. You cannot buy cover if your wedding is within 14 days.

No, John Lewis no longer offers wedding insurance as they stopped selling new policies in March 2020. If you are an existing policyholder, your coverage remains unaffected.

Wedding insurance provides coverage for unexpected events such as cancellations, venue closures, supplier failures, and loss or damage to wedding-related items, but it usually excludes pre-existing medical conditions, certain mental health events, and global pandemics like Covid-19.

Yes, you can change your wedding insurance policy after purchase by logging into your account or contacting customer service to add extras or amend your coverage as your wedding plans develop. Stay proactive and ensure your policy reflects your evolving needs.