Top Wedding Insurance Providers – Best Wedding Cover Comparison April 2024

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When you’re looking to compare wedding insurance, what’s truly important? Costs, coverage, and clarity. This article guides you on how to navigate the maze of policy options. 

Offering concise comparisons and stemming the tide of overwhelming choices, we highlight fundamental considerations when choosing the best safety net for your special day. Start here for straightforward advice, cost-saving insights, and the confidence to secure exactly what you need.

If you need any further information on wedding insurance cover, whether its details or how to make sure you are covered, you can find out more about Emerald and its wedding cover by clicking HERE

Key Takeaways

  • Wedding insurance offers financial protection against unforeseen events like illness, vendor insolvency, and cancellations, with policies ranging up in levels of cost to match the wedding’s scale and complexity.
  • Choosing the right wedding insurance policy requires considering factors such as levels of cover, excess, and exclusions; it’s important to start by understanding the total cost of your wedding and identifying potential risks that could affect it.
  • When comparing wedding insurance providers, consider their reputation, customer reviews, coverage options, and the cost of the policy.
  • Purchasing insurance early in the planning stages is a popular course of action, along with exploring additional coverage options like additional public liability or marquee insurance.Overall, it is important to us that you find the best wedding insurance for you. 

Understanding Wedding Insurance

Picture this: You’ve spent months, maybe even years, planning your dream wedding. Every detail, from the venue and the wedding ceremony to the wedding cake, has been meticulously arranged. Everything’s set for the perfect day. But what if the unexpected happens? A sudden illness, a vendor going out of business, or even the failure of the celebrant to arrive could turn your dream day into a nightmare. That’s where wedding insurance comes into play.

Wedding insurance is a type of insurance that protects against financial losses due to unforeseen circumstances before or on your wedding day, such as:

  • illness
  • accidents
  • cancellations
  • venue or supplier issues
  • damage to or loss of wedding gifts

With wedding insurance cover, you can have peace of mind knowing that you’re financially protected in case anything goes wrong on your special day, including issues with wedding gifts or wedding rings. Choosing the best wedding insurance provider is essential to ensure this protection, so it’s important to buy wedding insurance from a reputable company and get a full wedding insurance quote from them.

Investing in a wedding means investing in a gamut of elements, all of which contribute to making your day special. Be it the ceremony, reception, or even the rehearsal dinner, each component carries a cost and, therefore, a risk. Wedding insurance offers peace of mind by potentially covering:

  • Non-refundable expenses
  • Additional costs due to last-minute vendor changes
  • Personal liability for any property damage or bodily injury that could occur during related events.

Interested in finding a competitive wedding insurance cost? Get in touch with our specialists at Emerald to inquire into a cost saving policy. Feel free to call us on 0330 113 7901 or email us at or get a quote in minutes HERE.

Types of Wedding Insurance Policies

Different wedding insurance policies offer varying levels of protection, an important fact to keep in mind when selecting your coverage. This variety allows you to tailor your insurance to match the scale and complexity of your wedding. Essentially, the bigger and more intricate the wedding, the more coverage you may need. There are also add-ons that can be provided by your insurance company, such as marquee cover, or enhanced public liability insurance.

Whether your wedding is a grand affair with hundreds of guests or a small, intimate wedding ceremony with one wedding reception, there’s a wedding insurance policy that suits your needs. The key is to understand your wedding’s complexity, assess the associated risks, and choose a policy that provides adequate protection for your wedding party.

Factors to Consider When Choosing a Policy

Selecting the ideal wedding insurance policy is a significant undertaking. The decision involves more than just pricing; it’s crucial to secure sufficient coverage for potential cancellations. Wedding insurance policies differ in levels of cover, excess levels, and exclusions, making it crucial to read the policy documents carefully. One aspect to pay close attention to is the definition of a wedding supplier. This can vary among insurers, affecting the breadth of coverage. Also, check if the wedding venue has its own insurance policy, as in that case you may not need wedding insurance, or at least may need something smaller. 

While credit card payments for wedding services may offer some protection, they don’t cover all circumstances provided by wedding insurance. This coverage can protect the policyholder against claims for injury or property damage they cause. It’s also vital to ensure the insurance covers serious illness, injury, or death of the bride or groom before the wedding day. However, remember that standard wedding insurance policies do not cover cancellations due to disinclination to marry!

Comparing Wedding Insurance Providers

As with any form of insurance, comparing various wedding insurance providers is a key step before finalising your decision. This process involves reading coverage terms, assessing any excesses and insurance limits, and considering any special circumstances that might affect your wedding plans. Also, don’t forget the role of suppliers in your wedding. Ensuring that the coverage terms related to supplier financial failure are comprehensive can go a long way in securing your big day.

You don’t have to do this alone. Comparison websites such as Compare Wedding Insurance or MoneySuperMarket allow you to compare wedding insurance policies – and you can see how Emerald does. These platforms allow you to evaluate a variety of insurance rates, coverages, and inclusions provided by different wedding insurance providers at a glance.

Reputation and Customer Reviews

While comparing providers, keep in mind the significance of their reputation, even over that last few pounds of cost. Thoroughly researching each provider and reading past customer reviews is highly recommended. These reviews can offer valuable insights into the providers’ reliability and quality of service.

Remember, the wedding industry is vast, and suppliers come in all shapes and sizes. By diligently researching and reviewing customer feedback, you can better prepare for risks like supplier failure, which may not be covered by insurance policies.

Emerald is proud of its award-winning status, and you can get a quote in minutes HERE.

Coverage Options and Customisation

Wedding insurance isn’t one-size-fits-all. Policies typically offer a spectrum of coverage from basic to comprehensive, allowing customisation to match your wedding’s scale and detail. As you explore your options, consider any additional items or special wedding cover you might need for your wedding attire. This could include cover for a marquee, or ceremonial sword.

Ensuring your chosen policy can be tailored to these requirements will help you create a safety net that fits your specific needs. And remember the boring stuff – does your policy provide cover for legal costs or legal expenses? 

Assessing Your Wedding Insurance Needs

Determining your wedding insurance needs involves considering the scale and nature of your wedding. Larger and more complex weddings pose greater risks and often require more extensive coverage. If you’re planning a small, intimate ceremony, wedding insurance may not be essential, especially if there are existing arrangements that can manage postponement or cancellation without significant financial loss. Or just take a smaller policy for a few pounds?

Consider potential risks that could affect your wedding, such as:

  • venue cancellation
  • vendor financial failure
  • injury
  • illness

These risks will help you determine the level of coverage you need and the right insurance/cancellation cover, which can impact your insurance premium.

Calculating the Cost of Your Wedding or Civil Partnership

An accurate understanding of your total wedding insurance cost is key in establishing the necessary level of insurance coverage. To calculate this, you need to consider all major expenses; an accurate quote for wedding insurance depends on this. This includes:

  • The cost of the venue
  • Catering
  • Wedding attire
  • Wedding dress
  • Entertainment
  • Transportation
  • Photography
  • Wedding gifts
  • Engagement rings 
  • Wedding suppliers

Understanding these costs will help you select a wedding insurance policy with suitable coverage limits. It also allows you to realistically assess potential financial losses if something goes wrong and ensures you’re adequately protected by your insurance provider.

To find the best wedding insurance policy for you get in touch with our specialists at Emerald. Give us a call on 0330 113 7109, or email us at

Overseas weddings

Have you found your dream venue overseas? At Emerald we provide overseas wedding insurance in the case that you and your partner have decided to take your special day abroad. We will cover the damage or loss to essential documents, such as birth, adoption and divorce certificates. A

Unfortunately, our insurance does not address a public liability policy for abroad weddings. Similarly, travel insurance is not included within this policy; instead, we suggest that if this is an issue that you feel that should be insured add-on policies are a viable option. 

Cost of a wedding abroad |

Identifying Potential Risks and Exclusions for the Wedding Party

The best wedding insurance policies from any insurance provider provide coverage for a wide array of potential risks, such as:

  • cancellation due to illness
  • COVID cover (which may be an add-on)
  • redundancy
  • no-show or failure of wedding venues
  • financial failure of suppliers
  • theft or damage to key wedding-related items
  • damage to optional extras, such as marquee cover

But it’s equally important to understand the exclusions in that level of cover. Most policies do not cover:

  • Change of heart
  • Honeymoon
  • Travel elements
  • Pre-existing medical conditions that could affect the wedding’s occurrence

Moreover, pandemic-related exclusions have become standard, with claims related to pandemics, including those due to COVID-19, not covered under wedding insurance policies. However, with Emerald you can purchase extra cover for COVID-19. Get in touch with our team to inquire more.

Geographical location and the specific services offered by different vendors may also affect coverage, highlighting the need to carefully review policy details.

Pricing and Purchasing Wedding Insurance

So, what’s the typical cost of wedding insurance? In the UK, the cost of wedding insurance generally hinges on factors like the total wedding expenditure, required coverage scope and the chosen type of coverage. Most providers are only a few pounds apart, which highlights the need to look at any insurance provider’s reputation and reviews – which is something that sets award-winning Emerald apart. 

So what else do you need to cook at for your cover? Well, as a shopping list of key features to help with peace of mind, check cancellation cover, cover for financial problems (eg redundancy, which can be an expensive business in the current climate, cover for ceremonial attire, cover for civil cermonies, cover for serious illness, recovery of paid deposits, provision of professional counselling in the case of any injuries or death, cover for stolen or damaged items etc.

Emerald’s website sets out a comprehensive list of the cover it provides, and we hope that helps. You can see it HERE.

Factors Affecting Wedding Insurance Cost

The cost of wedding insurance is directly influenced by the level of coverage required and the total coverage amount. For instance, a £80,000 cover package will cost more than a basic policy. Prices for similar levels of wedding insurance coverage can also vary between different providers, but do remember that price is not everything.

Establishing a budget early on can help you gauge the level of insurance coverage necessary, given the total financial commitment towards the wedding.

Timing of Purchasing Wedding Insurance

The optimal time to purchase wedding insurance is as early as feasible. Purchasing wedding insurance at the earliest possible stage of wedding planning ensures coverage for issues with venues or vendors early on, and is ideal before starting to pay towards your wedding expenses. You can always upgrade at any time. 

The optimal time to secure wedding insurance is as soon as a wedding date is set and ideally before paying any deposits to vendors. Some insurance providers will limit cover for deposits paid prior to taking out cover. The good news is that Emerald doesn’t. 

Wedding insurance can be purchased up to 24 months in advance of the wedding date, providing extended coverage during the planning phase. 

However, some insurance policies may stipulate a minimum time frame, often around 30 days before the wedding, before the coverage is to begin. Again, with Emerald that is only 14 days – we have aimed to be as flexible as possible. 

Trying to stick to your budget? Press here ‘HERE’ to access a handy wedding cost calculator.

Additional Coverage and Add-Ons

For a more comprehensive protection, consider exploring additional coverage and policy add-ons. These can range from public liability to marquee coverage. Wedding insurance policies may offer optional add-ons for specific needs, events, or items not included in the standard policy.

Some insurance providers will charge extra for weddings outside the UK by calling them ‘destination weddings’. Emerald does not do that – the wedding insurance costs are the same if you are getting married in Reading or Rio!

Public Liability and Personal Liability

Public liability insurance/personal liability coverage /wedding liability insurance for weddings is designed to protect against claims made by third parties, such as venue staff or caterers, who might be injured or have their property damaged. Most policies include public liability coverage for the wedding participants and guests.

Incorporating public liability into your wedding insurance is crucial as it safeguards against various potential incidents involving third parties, fortifying the couple’s financial security against claims.

Marquee Coverage and Destination Wedding Insurance

Not all weddings are the same, and some may require specialist insurance policies. For instance, if you’re planning a wedding abroad or an outdoor wedding requiring marquee coverage, specialist insurance is essential.

Marquee coverage can protect against damages including storms, malicious damage, and other specific risks, with a cover limit up to £50,000. However, this requires adherence to specific security levels and responsible care, with common exclusions where marquee coverage may not apply, so make sure that you have read the small print and are aware of the full details.

How much does wedding insurance cost? Get in touch with us here at Emerald to get a quote. Feel free to contact us on 0330 113 7109 or email us at 

Making a Claim on Your Wedding Insurance Policy

While the prospect of the marrying couple making a claim on their wedding insurance policy may seem intimidating if something unexpected happens, the process is actually rather straightforward. To initiate a claim, you should contact the insurer’s claims line as indicated on the policy documents. Addressing claims as early as possible can result in quicker coverage of costs and provide peace of mind that the claim will not be excluded because of any delay.

To file a claim, follow these steps:

  1. Complete the insurer’s claim form with detailed incident information.
  2. Gather supporting evidence, such as photos, receipts, bank or credit card statements, and confirmations from qualified experts regarding lost or damaged property.
  3. Submit the claim form and supporting evidence to the insurer.
  4. Claims are assessed by experienced handlers once all information is submitted.
  5. Insurers aim to notify policyholders of the decision swiftly.

Tips for Reducing the Risk of Claims

Mitigating the risk of claims on your wedding insurance begins well before the wedding day. Conducting thorough research into the financial stability and credibility of wedding suppliers prior to hiring them can notably lessen the risk of encountering problems that may result in claims. 

Regularly checking in with suppliers leading up to the wedding day helps ensure they are on track and can meet their commitments, decreasing the likelihood of surprises that result in claims. It’s also wise to put a contingency plan in place for key aspects of the wedding to protect against unexpected events and reduce the need to file a claim.

Finally, paying deposits for wedding services using a credit card can offer additional protection under the credit card company’s customer protection policies, which can help avoid the need to make insurance claims.

What separates Emerald from standard wedding insurance policy

Unlike most wedding insurance companies and most wedding insurance policies, we include a discrimination cover within our insurance. This particular form of cover protects our clients from forms of homophobia, transphobia, ableism, racism and any other forms of discrimination that have the capacity to interfere with your special day. 


In summary, wedding insurance offers a safety net that can save you from financial loss in the event of unforeseen circumstances. From understanding what wedding insurance covers and choosing the right policy to comparing providers and determining your coverage needs, it’s clear that this type of insurance is a crucial part of wedding planning. So, as you prepare for your big day, remember to include wedding insurance in your checklist. Because peace of mind is priceless when it comes to enjoying the most memorable day of your life.

As Emerald is an award-winning provider of wedding cover, which good reviews, why not try a quote with us first? You can find us HERE

Frequently Asked Questions

How much is average wedding insurance UK?

The average amount spent by couples on wedding insurance in the UK can vary and changes often. If you want you can get a quote HERE.

At what point should you get wedding insurance?

You should get wedding insurance as soon as you’ve paid for any part of the event and have a venue and date arranged, to ensure your deposits are covered. It is best to be insured as soon as you start putting money towards your wedding or as early as possible.

What is wedding insurance?

Wedding insurance is a type of insurance that provides financial protection in case of unexpected events or issues before or during your wedding day. It covers losses related to illness, accidents, cancellations, and venue or supplier problems. 

When should I buy wedding insurance?

You should buy wedding insurance as soon as you have a set wedding date and before making any vendor deposits, ideally up to 24 months in advance of the wedding date.

What factors affect the cost of wedding insurance?

How much does wedding insurance cost? The cost of wedding insurance is influenced by the level of coverage required, the total coverage amount, and the provider you choose. These factors can significantly impact the overall cost of the insurance. If you want you can get a quote HERE.