Table of Contents
Who Is Emerald?
Emerald is one of the UK’s most well known wedding insurance providers, having been in the wedding insurance market for over a decade, covering weddings and civil partnerships
You can see the reviews for our customer service HERE – where you can also get a quote in minutes to cover your wedding date. If you want to contact us another way, you can call 0330 113 7109 or email us on customerservice@emeraldlife.co.uk.
We hope that the below answers your questions on who may be the best wedding insurance provider.
What is Wedding Insurance?
Wedding insurance is a policy that provides financial protection if something goes wrong with the wedding plans. It covers costs such as rearranging the ceremony or lost deposits if a problem arises at the wedding venue, on or around the wedding date.
It can also cover other items such as public liability. Many venues will now insist on public liability cover for any wedding reception, and this can be provided by wedding insurance policies. Make sure that you check the working of your wedding insurance policy though and call your insurer if you have any questions as you compare wedding insurance.
Importance of protecting your wedding day with a wedding insurance policy
Wedding insurance can help protect the money tied up in your big day, should something go wrong with the wedding venue, wedding suppliers.
The cost of a wedding in the UK can start at around £5,000 and be almost limitless
Do I Need Wedding Insurance? Risks and uncertainties associated with weddings
Whether you’re planning a small, low-key event or a large, expensive wedding, there are risks and uncertainties involved.
What would you do if the unexpected happened? What if you had to rearrange or even cancel your wedding or civil ceremony altogether? This is where wedding cover comes in to help.
Benefits of having a wedding insurance cover
Wedding insurance can provide peace of mind and financial protection in case of unforeseen circumstances. It can help you recover financially if something goes wrong on your big day.
There is no such thing however as a standard wedding insurance policy, so make sure that you read the policy wording before taking cover for your wedding or civil ceremony,
Emerald can provide cover in minutes, once you decide that it is worth purchasing cover.
Wedding Insurance Coverage
Essential coverage for weddings
Venue cancellation or damage
Covers costs associated with rearranging the wedding ceremony or lost deposits if the venue cancels or is damaged.
Illness, accident, or death of the wedding party
Covers costs associated with rearranging the ceremony or lost deposits if a member of the close wedding party falls ill, has an accident, or passes away.
The wedding tools!
Covers costs associated with loss or damage to wedding gifts, wedding rings, a wedding dress or other wedding attire.
Additional coverage options
Supplier no-show
Covers costs associated with supplier financial failures or damaged good
Lost, stolen, damaged items
Covers costs associated with lost, stolen, or damaged items, such as wedding gifts or ceremonial attire.
Wedding photograph or video faults
Covers costs associated with faulty wedding photographs or videos.
Personal liability and legal action
Covers costs associated with personal liability and legal action, including public liability insurance
Marquee Cover
Covers the costs associated with damage to any hired marquee or tent as an add-on to a wedding insurance policy.
Understanding Wedding Insurance Costs
How much is wedding insurance?
The cost of wedding insurance varies depending on the type of coverage and the risks associated with the wedding. Couples should research and compare policies to find the best deal for their budget when they are thinking of purchasing cover.
Factors affecting the cost of wedding insurance
The cost of wedding insurance is affected by factors such as the type of coverage and the level of cover chosen. Customers when looking to compare wedding insurance should first look at a handy wedding cost calculator, such as the one HERE.
Choosing the Right Wedding Insurance
Who offers wedding insurance in the UK?
There are several wedding insurance providers in the UK that offer wedding insurance policies. Couples should research and compare policies to find the best deal for their budget.
Of course, here at Emerald we know who we would choose in terms of wedding insurance cost and the coverage. When you are looking to compare wedding insurance coverage, not all wedding insurance is the same. For example, some insurers charge more for overseas weddings/wedding abroad than for a UK wedding. We don’t here at Emerald – wherever your wedding day is we want to cover it.
How to compare and select the best wedding insurance policy
Couples should consider factors such as the cost, level of cover, and add-ons when choosing an insurance provider.
Make sure to read the small print and ask questions before purchasing a wedding insurance policy, the same as you would do with any insurance policy.
Planning and Preparation Timeline
When should I buy wedding insurance?
Couples should buy wedding insurance as soon as possible, ideally up to two years before the wedding day. The sooner you get cover, the sooner you’ll be protected. You are not permitted to buy wedding insurance within 14 days of a wedding.
What do I need to get a wedding insurance quote?
You’ll need to have a few details nailed down, such as the date, location, and number of guests.
You may need to provide proof of payment for deposits or services you claim.
International Weddings and Honeymoons
Does UK wedding insurance cover weddings abroad?
Standard wedding insurance policies may not cover weddings abroad, so it’s essential to check the policy terms and conditions. Couples planning a destination wedding should look for a specialist policy or check with their insurance provider.
Emerald does cover that at no extra cost. We like to go that little bit further as a reputable insurance company.
Will my honeymoon also be covered?
No, wedding insurance does not cover honeymoons. Couples need to purchase travel insurance for their honeymoon. Travel insurance and wedding insurance are seen as very different products, but you can also get Emerald travel insurance HERE.
COVID-19 and Wedding Insurance
What about COVID-19 coverage?
You may be able to add cover for COVID-19 to your policy for an extra cost. Check the policy wording carefully to see what’s included. For example, this covers one of wedding couple or a close relative if they get COVID, but no insurance covers lockdowns on a local or national scale.
Making a Claim
What will actually happen if I need to make a claim on my wedding insurance?
The outcome of a claim depends on the type of claim and the policy terms and conditions. Claims may come with an excess fee depending on the level of cover, and the insurer may pay for a new venue or supplier directly.
How can I lower the risk of needing to claim on my wedding insurance?
Couples can reduce their risk by choosing reliable suppliers, keeping safety in mind, and having a Plan B in place.
Frequently Asked Questions
I’ve already arranged services or paid deposits. Will they be covered?
Deposits you’ve already paid should be covered by wedding insurance. Check your policy to see what’s included and what’s excluded.
Can I pay for wedding insurance monthly?
Payment for wedding insurance is usually on a one-off basis, not a monthly commitment. The price you’re quoted is the full amount you’ll need to pay for cover for your wedding or civil partnership.
What is the process for canceling or amending my wedding insurance policy?
The process for canceling or amending your wedding insurance policy depends on the insurance provider and the policy terms and conditions. Make sure to read the small print and ask questions about policy cover before purchasing a policy.
Here at Emerald we don’t change for changes of details. Obviously if you buy higher cover levels or cover more receptions then this means an additional payment.
What Next?
Feel free to get a quote in minutes from Emerald HERE. Or call us on 0330 113 7109, or email on customerservice@emeraldlife.co.uk. We look forward to hearing from you.