Your Essential Guide to Choosing the Best Wedding Insurance in 2024

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Wondering about buying wedding insurance for your special day? This article cuts through the noise to directly address the essentials: what wedding insurance covers, when it’s necessary, its costs, and how to find the right policy. Protect your celebration from unforeseen setbacks with the right information. And what is the best wedding insurance policy?

Of course, if you have any other questions, please do call Emerald for their award winning service on 0330 113 7109. Or if you are ready to jump in after reading this background, you can get a quote HERE.

Key Takeaways

  • UK wedding insurance provides financial protection against unforeseen events affecting the wedding, covering losses from wedding supplier financial failure to venue cancellations and offers peace of mind as it mitigates the stress involved in planning and executing the wedding.
  • The necessity for wedding insurance is dictated by the scale of the wedding and perceived risks – make sure you prioritise adequate coverage over simply choosing the cheapest option, to ensure protection for the maximum amount of your wedding expenses.
  • While wedding insurance covers a broad range of potential issues, it has limitations such as excluding ‘change of heart’ cancellations and may not cover pre-existing medical conditions, travel disruptions, or events like any pandemic lockdowns.

Understanding Wedding Insurance for your Wedding Party

Wedding rings and flowers on a table

Picture this: You’ve meticulously planned your wedding for months, investing not just your hard-earned money, but also your heart and soul into every detail. But what if the unexpected happens? What if your wedding venue suddenly goes bankrupt, or your caterer fails to turn up on the big day? That’s where a wedding policy can be a lifesaver. It provides financial protection and even legal expenses in case something goes wrong either in the lead-up to your wedding or on the big day itself.

Wedding insurance cover serves to protect more than your financial investment in aspects like wedding gifts. It also guarantees that the time, effort, and emotions poured into planning your wedding ceremony won’t be wasted. It provides a buffer for couples against the stress of unpredictable circumstances that could disrupt the wedding planning process or the wedding day itself.

Imagine being able to focus on the excitement of your wedding day, knowing that if anything goes wrong, your wedding insurance cover, also known as wedding cover, has got your back. That’s the peace of mind that wedding insurance can provide. Beyond financial coverage, it reduces stress throughout the wedding planning stages and on the special day itself.

Assessing Your Need for Wedding Insurance

Now that you understand what wedding insurance is, the next important question is: Do you need yo buy wedding insurance? The answer depends on several factors, including the size of your wedding, your budget, and potential risks. Let’s consider an example. You’re planning a grand wedding at a historic venue, with several suppliers providing services (and hopefully lots of wedding gifts!). In this scenario, wedding insurance is crucial for protection against financial losses from issues such as supplier financial failure or event cancellations. In this case you may want to buy wedding insurance. 

On the other hand, let’s say you’re hosting a small, intimate wedding just at a registry office, then at home with friends doubling up as suppliers. In such a case, you may not need wedding insurance. But remember, if you do need wedding insurance it provides security and peace of mind, reinforcing that your overall wedding expenses are protected.

No matter the size or style of your wedding, prioritising the extent of coverage provided by the policy is more important than merely seeking the cheapest option. Ultimately, the aim is to obtain adequate protection for your total wedding expenses, including cancellation cover but also if you are called for jury service if you need professional counselling, covering legal costs etc.

Comprehensive Coverage: What’s Included?

What does a wedding policy cover? Well, suppose you’ve booked your dream wedding venue and it abruptly shuts through insolvency. A comprehensive wedding policy can shield you from such financial losses.

But what if your caterer cancels at the last minute? Here too, wedding insurance may come to the rescue, extending cancellation cover to such supplier issues. And it doesn’t stop there. Have you considered the potential loss or damage of wedding attire and wedding rings? Wedding insurance policies typically cover these aspects, providing financial recompense if such items are stolen, damaged, or not delivered for any reason. What if your gifts are lost stolen or damaged? What happens to those stolen or damaged items? 

Moreover, with the unfortunate illness, injury, or death of one of the wedding couple of a close family member, wedding insurance is designed to cover the costs associated with:

  • Postponing or cancelling the event
  • Rebooking vendors and venues
  • Reprinting invitations and other stationery
  • Reordering flowers and decorations
  • Rescheduling transportation and accommodations

Of course there are limits within each policy for each of these, so make sure that you understand those when looking at the detail of any policy prior to purchase. 

It also offers personal liability coverage, protecting the couple (and their wedding party as an optional extension) for accidental property damage or potential injuries during the celebration. Often venues will now require the wedding event to have personal liability cover, just to be on the safe side. 

There are other optional extras as well – for example marquee cover. Usually you would take out marquee cover only if you are hiring the marquee yourself, not if the venue had a marquee as they should have their own marquee cover in that case. 

Recognising the Limitations: What’s Not Covered?

This insurance extends to a wide array of situations, but recognizing its limitations is also essential. For instance, if you decide to call off the wedding with ‘cold feet’, most wedding insurance policies, usually exclude coverage for change of heart.

Similarly, if you or a family member has a pre-existing medical condition, it may not be covered – but always call Emerald just in case and we will do our utmost to accommodate (You can call us on 0330 113 7109). 

Furthermore, policies may not cover cancellations for issues deemed as minor, travel disruptions, and third-party liability claims for weddings in certain locations. Remember to read the exclusions within the policy. Emerald thinks that transparency here is important, and you can find our policy documents on our website HERE.

In the wake of the recent Covid-19 pandemic, coverage for cancellations related to government restrictions is generally excluded. However, with Emerald you can cover a cancellation because of Covid in the wedding party, as an optional extra. We aim to be as helpful as we can. 

Also, remember that wedding insurance does not typically cover the honeymoon, necessitating a separate travel insurance policy.

Cost Considerations: How Much Does Wedding Insurance Cost?

Wedding insurance cost calculation

Now, let’s address the crucial question: How much does this insurance cost? The pricing of wedding insurance is determined by your overall wedding budget, level of cover and the type of coverage you need. Premiums can be a small amount for a small budget but then potentially hundreds of pounds for a huge wedding with the full set of options. 

The good news is that the premium is a single payment only, so you don’t pay for your wedding insurance monthly. If you buy your insurance, say, two years before the wedding, paying your wedding insurance monthly could get pricey!

Consider this: You’re planning a lavish wedding reception at a sought-after venue, with a large guest list and top-tier suppliers. In such a case, the cost of your insurance would be higher due to the size of the wedding, the location, and the desired level of coverage. With higher costs weddings, also have a look at the complete wedding insurance packages and sublimits in the policy. 

Conversely, a small, intimate wedding in a local venue would likely incur a lower insurance premium through lower wedding costs.

If you are still puzzling over costs, you can always search online for a handy wedding cost calculator – such as THIS ONE

Finding the Right Provider: Comparing Wedding Insurance Providers

Comparing wedding insurance providers

Choosing a wedding insurance provider may seem as daunting as choosing the ideal wedding cake, but we’re here to assist you. Start by reviewing the fine print for coverage specifics. Are items like attire, wedding dress, rings, and issues with vendors like photographers covered?

Next, examine the liability coverage in the policies before you purchase cover. Are there essential add-ons like marquee or ceremonial sword cover? There is no ‘standard wedding insurance policy’ so do check. 

Check customer reviews. Do they paint a positive picture of the insurance provider’s reliability and quality? Gathering details such as your wedding location, total cost, and the desired level of coverage is also necessary to obtain an accurate insurance quote.

When to Buy A Wedding Insurance Policy

You’ve made the decision to invest in insurance – that’s fantastic! But the question is, when is the best time to buy it? Experts suggest securing wedding insurance as early as possible, ideally before making any reservations or paying deposits. However, unlike some others Emerald will cover deposits already made so you can relax on that front.

Consider this: You purchase your insurance two years in advance. If your venue closes or a family member falls ill well before your wedding, you’re covered. Delaying the purchase of wedding insurance could mean missing out on coverage for incidents like supplier failure occurring close to the wedding day, especially as some policies cannot be taken out less than 14 days before the wedding.

Check each provider’s time limits for purchasing a policy. These can vary and may influence when you need to secure your coverage.

International Celebrations: Wedding Insurance Cover for Overseas Weddings

Overseas wedding destination

Planning a wedding in a chateau in France or a beachfront resort in Bali? For overseas weddings, there are specific considerations when it comes to wedding insurance. Many wedding insurance companies offer cover for weddings abroad, tailored to the unique needs and potential risks associated with destination weddings.

Standard wedding insurance policies commonly exclude certain travel-related circumstances and parts do not apply to areas outside the United Kingdom, such as public liability insurance in the United States or Canada.

Navigating Claims: What to Expect When Filing a Wedding Insurance Claim

What should you anticipate when filing a wedding insurance claim? Here are some steps to follow:

  1. Keep your policy details at hand.
  2. Give a detailed account of the incident.
  3. Gather pertinent evidence like supplier agreements and failure confirmations.
  4. Call your insurer before speaking with suppliers or venues if you’re contemplating cancellation. And check your home insurance for any other covers!

When making a wedding insurance claim, much like a home insurance claim, you’ll need to:

  • Submit evidence such as original receipts or invoices or written agreement
  • Provide additional documentation like contracts, credit card statements, and medical reports if relevant
  • Complete and return any claim forms provided by the insurer

Then, experienced claims handlers will assess and validate the information submitted.

Once a claim is filed, insurers endeavor to process the claim . The claim may result in direct payment for services or a payout appropriate to the cost of the claimed item.

Reducing Risk: Tips for Minimising the Need for Wedding Insurance Claims

Wedding group and happy couple

Although wedding insurance offers a safety net, you can take measures to lessen the need for claims. Begin by choosing a venue and suppliers known for their reliability and financial stability. Conduct research on suppliers by reading reviews, checking qualifications, and obtaining recommendations.

Maintain regular communication with wedding suppliers to prevent misunderstandings and address potential issues promptly. Keep meticulous records of all wedding-related transactions and agreements to facilitate any potential claims process. And remember, implementing safety measures like hiring professionals with their own insurance for risky wedding activities can also reduce the risk of claims.


In conclusion, wedding insurance is an essential aspect of wedding planning, offering financial protection and peace of mind against unforeseen circumstances. Whether you’re planning a grand celebration or an intimate gathering, consider the benefits of wedding insurance. Remember to compare providers, read the fine print, and assess your needs and risks accurately. And finally, purchase your policy as early as possible to ensure maximum coverage. After all, your wedding day is one of the most significant events of your life, and it deserves to be protected. To find out more, just get a quote in minutes from Emerald HERE.

Frequently Asked Questions

At what point should you get wedding insurance?

You should get wedding insurance in place once you start paying deposits and making arrangements. Some policies may require you to purchase insurance at least 14 days prior to the wedding date to be valid. It’s also wise to consider the cost of your wedding when choosing the right level of protection.

How much does wedding insurance cost UK?

The average cost of wedding insurance in the UK varies, depending on the coverage.

How long before wedding should you get insurance?

It is recommended to purchase a wedding insurance policy as soon as any part of the event is paid for and a venue and date are arranged, to ensure coverage for deposits (although Emerald does cover deposits paid prior to buying the insurance, unlike some other providers). Most policies allow you to take out insurance up to two years before the wedding, but it’s important to assess the coverage based on the estimated wedding cost.

So how can Emerald help?

Well we hope this article has given you enough help to be going on with. You can find out more about Emerald’s award winning wedding insurance HERE, or call us on 0330 113 7109.

Please see our website for terms and conditions. There are no consumer credit act issues. Emerald is authorised by the Financial Conduct Authority and is subject to the Financial Services Compensation Scheme. Insurance is subject to insurance premium tax.

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