Wedding Insurance FAQs
Help & Frequently Asked Questions
Find the answers to some of our most commonly asked questions below.
1. What is Wedding Insurance?
2. Why do we need Wedding Insurance?
3. What does Wedding Insurance cover?
4. How much is Wedding insurance?
5. Is wedding insurance paid monthly?
6. When should we take out Wedding Insurance?
7. Who can buy Wedding Insurance?
8. I have already paid a deposit. Will this be covered?
9. Does wedding insurance cover relative's money?
10. We are getting married in a small civil ceremony with a larger church blessing & reception 2 weeks later. Are both dates covered?
11. Can a Civil Partnership Ceremony be covered?
12. We are getting married abroad. Can we take out a policy?
13. My fiancé lives abroad. Can we take out a policy?
14. What about if one of us decides not to go ahead with the marriage after all?
15. Is family bereavement covered by wedding insurance?
16. What happens if the professional wedding photographs fail because the film or digital storage media is faulty and there are no copies available?
17. I have an existing medical condition. Can this be covered?
18. What happens if one of the suppliers goes bust?
19. Our wedding venue is flooded just before the big day. Are we covered?
20. We are hiring a marquee and will need to insure it. Is this included or can it be added to the policy?
21. Our venue requires us to provide insurance in case any of us or the guests causes accidental damage during the reception. Is this included?
22. Is my honeymoon or overseas wedding trip insured on this policy?
23. Does the InsuraWedding policy have an excess?
A Wedding Insurance policy is designed to provide cover for a couple who wish to insure specific risks relating to their wedding celebrations, subject to the policy terms and maximum claim limits.
2. Why do we need Wedding Insurance?
When planning what will be one of the biggest and most expensive days of your life, no-one really wants to think of what might go wrong. Sadly, however, weddings do sometimes have to be cancelled or re-arranged for a wide range of different reasons and Wedding Insurance is there to help make sure that you do not lose money as a result. Even if the day goes ahead, other problems can arise and Wedding Insurance helps you to sort them out and pay for unexpected additional costs.
3. What does Wedding Insurance cover?
To view what is covered an InsuraWedding Wedding Insurance policy, please click here for the policy wording. However broadly speaking, subject to the policy terms and conditions the following elements are covered:
- Wedding cancellation or rearrangement
- Ceremonial attire
- Wedding gifts
- Rings, flowers, attendant's gifts and the wedding cake
- Cars and transport
- Photography and video
- Financial failure of wedding service suppliers
- Personal Accident
- Legal Expenses
- Public liability (for the Marrying Couple)
There are also optional cover extensions that can be applied to the policy:
- Public liability (to cover the Wedding Guests)
- Marquee cover
- Coronavirus Cancellation cover
4. How much is Wedding insurance?
The cost of Wedding Insurance depends on the level of cancellation cover you have and if you add any extensions to the policy. The current prices for InsuraWedding Wedding Insurance without any extensions are: Tier 1 - £32, Tier 2 - £37, Tier 3 - £44, Tier 4 - £50, Tier 5 - £64, and Tier 6 - £68
5. Is Wedding Insurance paid monthly?
No, InsuraWedding Wedding Insurance is just a one-off payment, showing what excellent value for money it is.
6. When should we take out Wedding Insurance?
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 at any time up to 24 months before the big day.
However, all InsuraWedding policies must be purchased at least 14 days in advance of the scheduled ceremony date.
7. Who can buy Wedding Insurance?
Anyone can buy an InsuraWedding Wedding Insurance policy, for instance parents of the Marrying Couple, but the policy must be in the Marrying Couple's name as it is their wedding being covered.
8. I have already paid a deposit. Will this be covered?
Yes - provided you are not aware of any particular circumstances that may give rise to a claim when you take out the policy.
9. Does Wedding Insurance cover relative's money?
InsuraWedding Wedding Insurance will cover money paid by relatives of the couple, providing they have a demonstrable financial interest, such as a receipt or booking confirmation.
All claims will have to be submitted by the insured couple and then passed on to the person who paid.
10. We are getting married in a small civil ceremony with a larger church blessing & reception 2 weeks later. Are both dates covered?
InsuraWedding Wedding Insurance is designed to cover one Wedding and one Wedding Reception taking place within 21 days of each other, so unfortunately this will not be covered as standard.
If your wedding celebrations include more than one Wedding and one Wedding Reception or are spread over a longer period than 21 days, please contact us on 01483 806 828 to see if any cover can be provided.
11. Can a Civil Partnership Ceremony be covered?
Yes - we view this as just the same as a wedding.
12. We are getting married abroad. Can we take out a policy?
No - unfortunately our policies do not cover any weddings taking place outside of the UK.
If you are planning a destination Wedding and are in need of Wedding Insurance then check out Dreamsaver Wedding Insurance. Dreamsaver can cover Overseas Weddings as standard and can cover Weddings up to £80,000! Click Here to Get a Quote for Dreamsaver Wedding Insurance
13. My fiancé lives abroad. Can we take out a policy?
Yes - provided one of you is normally resident here in the UK you can take out a policy.
14. What about if one of us decides not to go ahead with the marriage after all?
This is known as "disinclination to proceed" and is not insured, sadly.
15. Is family bereavement covered by Wedding Insurance?
Cancellation or rearrangements due to family bereavement is covered under section 1A of the InsuraWedding 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 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 01483 806 828, before you purchase the policy.
16. What happens if the professional wedding photographs fail because the film or digital storage media is faulty and there are no copies available?
Then the reasonable costs of taking replacement formal photographs of the couple and the immediate Wedding party can be claimed.
17. I have an existing medical condition. Can this be covered?
Most 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 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 01483 806 828
18. What happens if one of the suppliers goes bust?
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 on page 8. Click Here for the Policy Wording
19. Our wedding venue is flooded just before the big day. Are we covered?
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.
20. We are hiring a marquee and will need to insure it. Is this included or can it be added to the policy?
There is an optional extension that you can take to add this cover for up to £20,000, subject to payment of the appropriate additional premium.
21. Our venue requires us to provide insurance in case any of us or the guests causes accidental damage during the reception. Is this included?
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 Guests up to £2m in total.
22. Is my honeymoon or overseas wedding trip insured on this policy?
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. Please visit InsuraTrip if you require Travel Insurance for your honeymoon or overseas trip.
23. Does the InsuraWedding policy have an excess??
Yes, there is an excess of £150 applicable under all sections of the policy, except for sections 5 which has an excess of £60 and sections 8, 9, 10, 11 which have an excess of £250.