IMPORTANT NOTICE FOR NEW WEDDING INSURANCE CUSTOMERS:

Due to the coronavirus and concerns about public health, we are temporarily suspending new sales of wedding insurance. Please note the following:

  • No new policies can be sold for the time being, irrespective of outstanding quotes
  • Existing insurance policies remain valid with terms and conditions unchanged
  • Our call centre remains open for customers who have questions: 0330 113 7109
  • Existing customers can access their account via My Account
  • For coronavirus-related issues, please click on the information banner above
  • For claims please call: 0333 234 3723, email weddingclaims@emeraldlife.co.uk or download a claims form HERE

As you will appreciate, the unprecedented nature of Coronavirus (Covid-19) and the need for restrictions of gatherings has had a significant impact on both the wedding industry as a whole and more specifically your planned wedding.

As a result, we are receiving an extremely high volume of enquiries and claims from customers, and our usual response time has been affected. We sincerely apologise for this, however, please be assured that we are working through all claims and enquiries thoroughly, and as quickly as we possibly can.

If your wedding is impacted by Covid-19 and if you have not already done so, we encourage you to approach your wedding providers (venue and all suppliers) to discuss rearrangement options for a new wedding date, as we will need to know your rearrangement options before any claim can be fully considered.

We appreciate your continued patience while we all work through this.

We hope to be back online in a matter of weeks. If you would like us to inform you when the wedding sales suspension is lifted, please leave your details HERE.

IMPORTANT NOTICE FOR NEW WEDDING INSURANCE CUSTOMERS:

Due to the coronavirus and concerns about public health, we are temporarily suspending new sales of wedding insurance. Please note the following:

  • No new policies can be sold for the time being, irrespective of outstanding quotes
  • Existing insurance policies remain valid with terms and conditions unchanged
  • Our call centre remains open for customers who have questions: 0330 113 7109
  • Existing customers can access their account via My Account
  • For coronavirus-related issues, please click on the information banner above
  • For claims please call: 0333 234 3723, email weddingclaims@emeraldlife.co.uk or download a claims form here

We will be back selling wedding policies as soon as we can. If you would like us to inform you when the wedding sales suspension is lifted, please leave your details HERE.

Important Customer Notice – Updated 22nd July 2020

We understand that the last 3-4 months have caused a great deal of distress and uncertainty for many of our customers whose weddings have been affected by ongoing Coronavirus (COVID-19) situation. We have been working hard to help support customers through these unprecedented and difficult times and we wanted to provide you with an update following the recent announcements regarding the easing of certain restrictions and the guidance published by the UK Government on small weddings.

As such, we have updated our COVID-19 FAQs, which are available on the link below and also can be downloaded here as a PDF.

Latest Government position on Weddings

This is a fast-moving situation and the guidance and various restrictions in place are being reviewed constantly by the UK government. The government has recently announced that small weddings and civil partnerships will be permitted to take place from the 4th July.  The latest guidance can be found on the Gov.uk website. 

Whilst this is clearly good news for couples who want to get married it is clear from the guidance that many couples wedding plans will continue to be affected due to the various restrictions still in place. If your wedding is not what you had planned, then in the first instance you should speak to your venue and suppliers to see what they are willing to do to accommodate you. We expect venues and suppliers to want to help you and to work with you to find an alternative solution.

We are doing everything we can to help customers through this difficult situation and are responding to claims and queries as quickly as possible. However, due to the continued increase in the number of claims and queries it is taking us longer than usual to respond. So, we thank you in advance for your understanding and continued patience.

Have a question or need some help?

If you have general questions in relation to Coronavirus and how this may affect your wedding and what the terms of the policy cover then please read or download the COVID-19 FAQs first and before you contact us.  If after reading the FAQs you still require assistance then we request that you contact us by email at customerservice@emeraldlife.co.uk. If your query is urgent and you need to speak to someone then you can call us on 0330 113 7109.  

Making a change to your policy

If you need to request any changes to your policy such as amending the dates or details of your wedding, changing your address etc, please email us at customerservice@emeraldlife.co.uk.

Making a claim

Cover for cancellation of your wedding due to coronavirus (COVID-19) depends upon the individual circumstances of your claim. If you need to cancel or postpone your wedding due to COVID-19 then in the first instance, to ensure any financial loss is kept to a minimum, please contact your wedding venue and suppliers, as soon as possible to discuss your options. Your suppliers should want to help you and may allow you to make alternative arrangements to rearrange your wedding to another date (if necessary) at no additional cost, or they may offer you a refund.

Before you make a final decision regarding your wedding arrangements you should contact our claims department by email at weddingclaims@emeraldlife.co.uk. This is because we want to ensure that any financial loss you suffer is covered under the terms of the policy and that any losses are not recoverable from any other source (e.g. your venue or wedding suppliers, your credit card company etc). In other words, you have an obligation to mitigate your financial loss and we can assist you with this.

Please note, due to the ongoing situation we are experiencing extremely high call volumes and as such we ask that you only contact us by phone if you require immediate and urgent assistance with a claim, in which case you can contact us by phone on 0333 234 3723. To submit a claim please download our claim form here.  Please note we are not able to confirm cover until we have received a completed claim form and assessed the individual circumstances of your claim.

Wedding Insurance

The Award-Winning, Inclusive Insurance Provider. We've Got You Covered From £49

Coronavirus FAQs

We are all aware that that this is a fast-moving situation and the legislation, guidance and various restrictions in place are being reviewed and updated constantly by the UK and overseas Governments respectively. These FAQ’s are general in nature and outline the principles of how your Policy responds, although the specific details of any claim will be reviewed against the guidance and legislation in place at that time.

 

As a result of the restrictions, if your wedding will not be able to go ahead as you had planned, you should speak to your venue and suppliers in the first instance, to see what they are willing to do to accommodate you. We expect venues and suppliers to want to help you and to work with you to find an alternative solution.

 

If you have any questions or wish to discuss your individual circumstances then please contact our customer service team by email at customerservice@emeraldlife.co.uk, or if your query is urgent you can call us on 0330 113 7109.  If you need to submit or discuss a claim then please contact the claims team by email at weddingclaims@emeraldlife.co.uk, or if your claim is urgent you can call us on 0333 234 3723. Please note that due to the significant volume of enquires and claims we are currently receiving; our response time is slower than usual. We very much appreciate your understanding and patience during this time.

If you have general questions in relation to Coronavirus and how this may affect your wedding and what the terms of the Policy cover then please read or download the Emerald Coronavirus FAQs first and before you contact us.  If after reading the FAQs you still require assistance then we request that you contact us by email at customerservice@emeraldlife.co.uk. If your query is urgent and you need to speak to someone then you can call us on 0330 113 7109.  

If you need to request any changes to your Policy such as amending the dates or details of your wedding, changing your address etc, please email us at customerservice@emeraldlife.co.uk.

Cover for cancellation of your wedding due to coronavirus (COVID-19) depends upon the individual circumstances of your claim. If you need to cancel or postpone your wedding due to COVID-19 then in the first instance, to ensure any financial loss is kept to a minimum, please contact your wedding venue and suppliers, as soon as possible to discuss your options. Your suppliers should want to help you and may allow you to make alternative arrangements to rearrange your wedding to another date (if necessary) at no additional cost, or they may offer you a refund.

Before you make a final decision regarding your wedding arrangements you should contact our claims department by email at weddingclaims@emeraldlife.co.uk. This is because we want to ensure that any financial loss you suffer is covered under the terms of the Policy and that any losses are not recoverable from any other source (e.g. your venue or wedding suppliers, your credit card company etc). In other words, you have an obligation to mitigate your financial loss and we can assist you with this.

Please note, due to the ongoing situation we are experiencing extremely high call volumes and as such we ask that you only contact us by phone if you require immediate and urgent assistance with a claim, in which case you can contact us by phone on 0333 234 3723. To submit a claim please download our Wedding Claim Form Please note we are not able to confirm cover until we have received a completed claim form and assessed the individual circumstances of your claim.

In the first instance, to ensure any financial loss is kept to a minimum, if your wedding is, or may be impacted by Coronavirus, please contact your wedding venue and suppliers, as soon as possible to discuss your wedding. Your suppliers will likely want to help you and may allow you to make alternative arrangements to rearrange your wedding to another date (if necessary) at no additional cost, or they may offer you a refund. However, if you will incur financial loss by making alternate arrangements, please contact us to discuss your options before making any decisions regarding rearrangement or cancellation of your wedding because any financial loss you suffer that is recoverable from another source e.g. (your venue or wedding suppliers), is not covered under your Policy. In other words, you have an obligation to mitigate your financial loss and we can assist you with this, if you are unsure about your particular circumstances so please email weddingclaims@emeraldlife.co.uk or call us on 0333 234 3723 and we will happily discuss this with you.

Under Section 1 (Cancellation, Rearrangement or Curtailment) of your Policy, we would consider a claim for cancellation or rearrangement of the wedding due to Coronavirus for the following reasons:

  • Your ceremony or reception venue is unable to hold your ceremony and/or wedding reception due to Coronavirus. However, please note that if the reason for cancellation is due to a government act or regulation, exclusions may apply (there is more detail on this exclusion below).
  • Unavoidable cancellation of the wedding due to the death, injury or sickness (including Covid-19) of the prospective marriage or civil partner, or your close relatives (close relatives are defined within your Policy), which would mean that having or continuing with the wedding and/or wedding reception would be impossible. Please see below for further details on what we cover in relation to Covid-19 and self-isolation due to Covid-19).
  • The caterers for the wedding being unable to provide the service for or at your wedding due to an outbreak of Covid-19 at their premises.

Please refer to your Policy for further details on what is and is not covered under the terms of Section 1. Please also note that if your claim is covered, it is only covered up to the amounts listed in the Schedule to your Policy.

Your Policy contains a number of exclusions. Most relevantly in relation to Coronavirus, your Policy excludes cover under Section 1 of your Policy and in the General Exclusions, if the reason for your wedding cancellation, rearrangement or curtailment arises directly or indirectly from a government Act or regulation. Therefore, if your wedding is cancelled or postponed whilst the Government prohibits large gatherings such as weddings, your claim may be excluded from cover. However, if there are any other covered circumstances causing the rearrangement or cancellation of your wedding (e.g. sickness of the prospective marriage or civil partner, or your close relatives (as defined within your Policy)), then your claim will be covered, even if this exclusion also applies.

This exclusion applies to weddings in the UK and abroad but it is based on the applicable local laws and regulations in place at your wedding destination.

If you are unsure about your particular circumstances, please email weddingclaims@emeraldlife.co.uk or call us on 0333 234 3723 and we will happily discuss this with you.

There is no cover under Section 1 of the Policy that covers cancellation and rearrangement due to an enforced reduction in the number of people able to attend due to COVID-19 or any other reason. In this instance, you should discuss your options with your venue and suppliers to see what they are willing to do to accommodate you.

This will depend on the nature of the local or regional lockdown and your individual circumstances. Please note that if the lockdown is enforced under a government Act or regulation, then your claim may be excluded. (For further information about these exclusions, refer to the above).

If your venue cancels your wedding ceremony and/or wedding reception, you need to discuss a solution with your venue, before submitting a claim. Your venue may offer you the opportunity to rearrange your wedding to a later date, or they may provide you with a refund. If you will incur any additional costs, please contact us before making any decisions regarding rearrangement or cancellation of your wedding, so we can discuss your options, This is because we do not want you to assume that you will have a valid claim under your Policy and subsequently make a decision that may have detrimental financial consequences for you. Please email us at weddingclaims@emeraldlife.co.uk or call us on 0333 234 3723.

If your venue cancels your wedding, your Policy provides cover:

  • If the reason is because your venue is unable to hold your ceremony and/or wedding reception due to Coronavirus. However, please note that if the reason for cancellation is due to a government Act or regulation, exclusions may apply (there is more detail on this exclusion above).
  • If the venue suffers financial failure and/or is unable to guarantee that it will be able to hold your wedding and/or wedding reception because it has gone into administration after the date of purchase of your Policy.

If the venue is unable to hold your wedding and cancels please note that if they are refusing to give you a refund by reference to your contract terms with them, these terms can only be enforced if they are ‘fair and reasonable’ under the Consumer Rights Act 2015 (the CRA) or the Law Reform (Frustrated Contracts) Act 1943. The Competition and Markets Authority (CMA) has recently launched an investigation into complaints about coronavirus-related cancellations at venues. According to the CMA, where a contract is not performed as agreed, consumer protection law allows consumers to obtain a refund. This would apply where a venue has cancelled a wedding without providing any of the promised goods or services or when a consumer is prevented from receiving any goods or services due to circumstances beyond their control. So in these instances we do expect your venue to refund you or offer an alternative date that works for you.

This is a decision for you but we encourage you to have an open conversation with your venue and suppliers as soon as possible. However, one important piece of advice we want to highlight is that you should avoid paying by cash or bank transfers as much as possible and instead use credit or debit cards as such payment options may provide valuable protection against non-performance of supplier contracts. This is advice we would give at any time but in the current circumstances, it is even more pertinent.

Yes - if you or your prospective marriage or civil partner, or a close relative (as defined within your Policy) contracts Covid-19, and you believe that the illness may extend to the wedding date, making it impossible to proceed with the wedding, then we will cover irrecoverable costs in accordance with the terms and conditions of the Policy, which includes your obligation to mitigate your financial loss. You will be required to produce supporting evidence including medical certificates, or other evidence providing details of your illness. Please discuss this with our claims team who will advise further on what information you will need to provide to support any such claim.

Your Policy covers death, injury and sickness of the prospective marriage or civil partner, or a close relative (as defined within your Policy) that would make having or continuing with the wedding impossible. We will therefore cover self-isolation of you or your prospective marriage or civil partner, or a close relative (as defined in the Policy) only, if such persons have symptoms of Covid-19 and will be in self-isolation on the date of your wedding ceremony and/or wedding reception. However, you will be required to produce supporting evidence of the requirement of such persons to self-isolate due to Covid-19 symptoms and evidence that the self-isolation will extend to the date of the wedding, such as an NHS self-isolating certificate or communication from NHS Test and Trace. You will still need to demonstrate mitigation of your financial loss.

Cover is not available for cancellation solely as a result of someone shielding. Where a prospective marriage or civil partner or close relative (as defined within your Policy) is shielding, cover will still be available for cancellation where that individual has a sickness that would make their attendance at the wedding impossible, regardless of the need to shield.

Your Policy also does not provide any cover for travellers in quarantine/self-isolating upon arrival or return into the UK or abroad.

Unfortunately not. Your Policy does not cover the inability of your guests to attend the wedding due to travel bans or flight cancellations

Unfortunately not. Your Policy does not cover the inability of your guests to attend the wedding due to Coronavirus (e.g. bans on social gathering) nor provides cover if you suffer financial loss if only a portion of your invited guests can attend the wedding. Please speak to your venue and caterers in these circumstances, as they should be accommodating (subject to the terms and conditions of your contracts with them).

As above, if your wedding is unavoidably cancelled due to the fact that a close relative (as defined with your Policy) has Covid-19 or is self-isolating due to suspected Covid-19, or in accordance with Government advice, on your wedding date, your claim may be covered. You may be required to produce supporting evidence including medical certificates, NHS self-isolating certificate, communication from NHS Test and Trace or other evidence providing details of the illness or self-isolation. As always, you will also need to demonstrate mitigation of your financial loss. Please discuss this with our claims team who will advise further on what information you will need to provide to support any claim. You can send an email to weddingclaims@emeraldlife.co.uk or call us on 0333 234 3723.

Cover is provided in relation to wedding suppliers in the following circumstances:

  • If the venue or catering business suffers financial failure in accordance with the terms and conditions of the Policy, resulting in the cancellation or rearrangement of your wedding, then your associated financial loss will be covered, subject to any applicable exclusions.
  • If caterers are unable to provide their services due to an outbreak of infectious disease at their premises, this is covered under your Policy, subject to any applicable exclusions.
  • If your wedding supplier enters bankruptcy, liquidation, ceases to trade or becomes insolventsubject to any applicable exclusions.

Cancellation and rearrangement cover under your Policy for weddings abroad operates in the same way as it does for weddings in the UK so please refer to the above guidance and the terms and conditions of your Policy. However, please note that if your wedding is abroad, your Policy will be subject to the local laws and regulations in force at your wedding destination, including laws and regulations relating to social gatherings.

Unfortunately not. Your Policy does not cover travel bans or flight cancellations. As such, you should also discuss the options with your venue and suppliers for re-arrangement or refund. In addition, we would encourage you to contact your travel insurance company to discuss any claims for travel arrangements such as flights and accommodation.

If you have been able to rearrange your wedding to a later date, we want to make sure you are aware that we are offering customers a free date change so that your policy continues to remain in force for your revised wedding date. We can amend the date of your wedding on your existing policy, provided that you meet the following criteria:

  1. The reason for postponement is directly related to COVID-19, the ban on social gatherings, enforcement of social distancing or travel restrictions;
  2. Your current wedding date fell/falls prior to 31 December 2020;
  3. Your rearranged wedding date is scheduled within 24 months of your original 2020 wedding date (i.e. your initial wedding date prior to any rearrangement that may already have occurred), and
  4. You understand that once your current 2020 wedding date has been rearranged to a date beyond 31 December 2020, we cannot offer a further date change under any circumstances. 

This means that as long as your current wedding date falls prior to 31 December 2020, you are able to take advantage of multiple free date changes of the cover you originally purchased, as long as your rearranged wedding date falls on or prior to 31 December 2020. However, if you have rearranged, or plan to rearrange your 2020 wedding date to, a date on or after 1 January 2021, we will not offer any further date changes should you decide to rearrange that wedding date again.

It is also important for you to understand that all of the terms, conditions and exclusions in the Policy you purchased for your original wedding date, do not change if your Policy is extended to your rearranged wedding date. Please note though, that your Policy excludes cover if the reason for your wedding rearrangement arises directly or indirectly from a government Act or regulation. Therefore, if your wedding is cancelled or postponed whilst the Government still prohibits large gatherings such as weddings, or the Government introduces new restrictions, your claim may be excluded from cover. This exclusion applies to weddings in the UK and overseas, based on the applicable local laws and regulations at your wedding destination. Please see above for further information.

To amend the dates on your Policy please contact our customer service team by email at customerservice@emeraldlife.co.uk and we will amend the dates accordingly and send you a revised Policy schedule. 

In circumstances, where you have already rearranged your wedding and received a free date change of your Policy from Emerald Life (if you meet the above conditions for a free date change), you are still eligible to submit a claim for increased costs associated with the re-arrangement of your original wedding, if you have not already done so. However, as you will appreciate, any claim will be assessed against the terms and conditions of the Policy so there is no guarantee that your claim will be covered.

 

We also confirm that our offer to extend your Policy to a revised wedding date, does not have any impact on whether or not you have a covered claim under the Policy, be it for your original wedding date, or your rearranged wedding date.

 

We also bring to your attention that the cover limit stated in the Schedule of your Policy is the maximum value of all claims that you can make, both in relation to your original and rearranged wedding. For example, in the event that you need to make a claim on your rearranged wedding date and your claim is covered, your total claim payments cannot exceed the cover limits stated on your Policy Schedule for rearrangement cover.

Your Policy does not provide any cover for travellers in quarantine or self-isolating upon arrival or return into the UK or abroad unless the prospective marriage or civil partner, or a close relative (as defined within your Policy), unless such a person: 1) has confirmed symptoms of COVID-19, 2) produces supporting evidence of the requirement to self-isolate due to Covid-19 symptoms;  and 3) the self-isolation will extend to the date of the wedding.

Cover is not available for cancellation solely as a result of someone shielding. Where a prospective marriage or civil partner or close relative (as defined within your Policy) is shielding, cover will still be available for cancellation where that individual has a sickness that would make their attendance at the wedding impossible, regardless of the need to shield.  

 

If you have any questions on your Policy or concerns regarding your wedding and would like to speak to someone then in the first instance you can contact our Customer Service Team by email at customerservice@emeraldlife.co.uk  If your query is urgent then you can also speak to us on 0330 113 7109.

If you need to submit a claim, then you should download a claim form from the website and send this to weddingclaims@emeraldlife.co.uk.  If your claim is urgent you can also contact the Claims Team on 0333 234 3723. 

Please note that due to the significant volume of enquires and claims we are currently receiving; our response time is slower than usual. We very much appreciate your understanding and patience during this time.

If there is any matter that you wish to raise with us or feel that any issues have not been adequately resolved for you, please contact us using the details below:

Email:   customerservice@emeraldlife.co.uk

Telephone:        0330 131 9960

WEDDING INSURANCE THAT SAYS "I DO" TOO

WORLDWIDE COVER FROM £12.5K UP TO £100K

CAKE, RINGS, PHOTOS, CARS, OUTFITS - COVERED

WEDDINGS, CIVIL PARTNERSHIPS AND CONVERSIONS

UK'S FIRST LEGAL EXPENSE COVER AGAINST DISCRIMINATION

AS YOU'RE GETTING MARRIED, PROTECT YOUR HOME TOO.

Did you know that if you buy an Emerald wedding policy we give you 15% off your home insurance? Once you've completed your wedding policy purchase, you'll get a code to use at any time you get a home insurance quote from us.

My daughter and her boyfriend are getting married in 2021, I want peace of mind in case something goes wrong between now and then. It's great cover, and great service. - Tracy Hague, Estate Office Manager

UNIQUE INSURANCE
TAILORED FOR YOU

THE EMERALD DIFFERENCE

PROTECTING YOU

CHOOSE FROM 4 LEVELS OF COVER

FULL DETAILS FOR POLICIES TAKEN OUT 17th MARCH 2020 OR LATER

POLICY WORDING

(File size 843Kb PDF)

POLICY SUMMARY

(File size 234Kb PDF)

INSURANCE PRODUCT INFORMATION DOCUMENT (IPID)

(File size 395Kb PDF)

FULL DETAILS FOR POLICIES TAKEN OUT BEFORE 17th MARCH 2020

POLICY WORDING

(File size 761Kb PDF)

POLICY SUMMARY

(File size 234Kb PDF)

INSURANCE PRODUCT INFORMATION DOCUMENT (IPID)

(File size 395Kb PDF)

Frequently Asked Questions

Weddings can be incredibly expensive events – and you want everything to be perfect. There are lots of factors outside your control that can impact them. So it makes perfect sense to insure your big day. Our wedding policy covers things such as damage to clothing, financial failure of services suppliers, cancellation due to adverse weather, and illness AND if any services supplier refuses to provide you a product or service because you are having a same-sex wedding, or for any other reason that is prohibited under the Equalities Act – just about everything we can think of where you might need protection for on your big day.

Our standard wedding insurance packages are designed to cover one wedding and one reception. If you are planning a multi wedding or reception arrangement, perhaps to have another blessing in one of the participant’s home countries or where you first met, then give us a call and we will raise it with the underwriters (usually responding within 24 hours) and try to accommodate you. 

Yes, Emerald provides worldwide cover for wedding and reception celebrations, subject to the below conditions. It is one of the things that makes Emerald wedding insurance so comprehensive. Despite this global coverage, there are five specific sections of this insurance where we are unfortunately unable to provide worldwide cover:

  • We are unable to cover weddings or receptions in Cuba, Iran or North Korea;
  • Personal Liability does not apply to wedding and receptions taking place in the USA or Canada;
  • Guests' Personal Liability does not apply to wedding and receptions taking place outside the UK;
  • Our optional extras of marquee cover and ceremonial sword cover only apply in the UK; and
  • Where you believe that you have a claim for discrimination on the grounds of your sexuality, cover is only for weddings or receptions in the UK.

Emerald can provide coverage of up to £100,000 and policies start for as little as £49 – you’ll find a policy to suit your celebration, no matter its size.

Yes they are, although there are limits on the value of each individual gift of either £250 or £750 per gift, depending on your level of cover. Please review the limits for wedding gifts. Reasonable care needs to be taken with all of your gifts so that you are covered against theft or loss. 

Emerald has you covered if you are left with unrecoverable expenses for wedding outfits, flowers, photographs, caterers, transport, accommodation and anything else that is booked and then not used. Under an Emerald wedding policy, a valid reason includes the following (but – importantly – subject to the conditions and qualifications as set out in the full policy wording): if your wedding venue cannot hold your wedding or reception because of damage to the venue, outbreaks of disease, closure of the venue by the relevant authority, death or illness of one of the participants or a close relative, or the failure of a minister, registrar, or wedding services supplier to turn up on the day, loss or damage to ceremonial attire, redundancy of one of the participants or any close relative paying for the wedding, adverse weather conditions meaning that the participants, their parents or most of the guests cannot reach the venue, or a military posting overseas of one of the participants, attendants or close relative.  

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.

Yes, Emerald wedding insurance protects you against such eventualities and if over 50% or 75% (depending on your level of cover) of the photographs are not viable, you can reshoot

Yes, it does. Should your transport supplier fail to honour their contractual obligations, Emerald will cover you for any extra expenses you incur.

Yes, Emerald’s wedding insurance provides cover for loss or damage to wedding rings, up to a maximum of £15,000 of cover on our top tier of cover. Please refer to our chart showing levels of cover and limits

We offer redundancy cover where notice is received at least 8 weeks after the policy is taken out and qualifying for payment under the current redundancy legislation. This covers the participants and any of their relatives who would have made proven, significant, financial contributions to the wedding arrangements. In such a case, you would have the option of cancelling the wedding and claiming back irrecoverable expenses under your wedding policy or rearranging the wedding.

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.

Yes, you can cancel your policy up to 14 days after taking it out and before the wedding has taken place. For cancellation after 14 days, there is no refund. If you wish to cancel your policy please call us at: 0330 113 7109.

Yes, we provide cancellation and rearrangement cover if they are deployed overseas in unforeseen circumstances, subject to the terms and conditions contained in the full policy wording.

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.

Personal liability cover protects you in the event that you or your partner accidentally cause an accident that results in the injury of a third party or damage to their property. We provide personal liability insurance worldwide, excluding the US and Canada. Guests' personal liability cover simply extends this cover to your guests.

Guests’ Personal Liability cover does not apply anywhere outside the UK.

More About Wedding Insurance: