Wedding insurance is a type of policy that offers financial protection for various aspects of a wedding. It’s specifically designed to cover certain risks that could affect the wedding celebrations. The coverage is subject to the terms outlined in the policy documents and includes maximum claim limits for different types of claims.

In essence, wedding insurance helps couples safeguard their investment in their wedding day by providing compensation if things go wrong.

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 don't 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.

To view what is covered by 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:

• Public liability (for the Marrying Couple)
• Wedding cancellation or rearrangement
• Financial failure of wedding service suppliers
• Ceremonial attire
• Wedding gifts
• Rings, flowers, attendant's gifts and the wedding cake
• Cars and transport
• Photography and video
• Personal Accident
• Legal Expenses
• There are also optional cover extensions that can be applied to the policy:
• Optional Public liability (to cover Wedding Guests)
• Optional Marquee cover
• Optional Coronavirus Cancellation cover

The cost of Wedding Insurance depends on the level of cancellation cover you choose and if you add any optional extras, which we call extensions, to the policy. The current base prices for InsuraWedding Wedding Insurance without any extensions are:

• Tier 1 - £32
• Tier 2 - £37
• Tier 3 - £44
• Tier 4 - £50
• Tier 5 - £64
• Tier 6 - £68

No - InsuraWedding Wedding Insurance is a one-off payment, showing what excellent value for money it is.

Ideally, you should take out Wedding Insurance as soon as you have paid any deposits or signed a contract that means you will lose money if you're forced to change your plans. You can arrange our insurance at any time up to 24 months before your big day.

However, all InsuraWedding policies must be purchased at least 14 days in advance of the scheduled ceremony date.

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.

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.

This is known as "disinclination to proceed" and is not insured, sadly.

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 regarding 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.

Most existing medical conditions are insured automatically, both for the Marrying Couple and 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're 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.

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.

You can find all of our contact details here.

Yes - provided you're not aware of any particular circumstances that may give rise to a claim when you take out the policy.

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.

Yes - you will be covered for the additional costs of rearranging a suitable alternative venue for the same day, if that's possible, or irrecoverable amounts and additional costs of having to cancel and rearrange the whole event for a later day.

Then the reasonable costs of taking replacement formal photographs of the couple and the immediate Wedding party can be claimed.

This won’t be covered as standard. There is an option that you can add to your policy, which provides up to £20,000 cover for a marquee, subject to payment of the appropriate additional premium.

Public Liability of up to £2m for the Marrying Couple is included as standard on all Insurawedding Policies. There is also an option for you to add Public Liability Cover For Your Wedding Guests of up to £2m in total.

Yes - we view this as just the same as a wedding.

InsuraWedding Wedding Insurance is designed to cover one Wedding and one Wedding Reception taking place within 21 days of each other, so unfortunately this would 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.

No - unfortunately, InsuraWedding policies don't cover weddings taking place outside of the UK.

Yes - provided one of you is normally resident here in the UK you can take out a policy.

No, you’ll need to take out separate Travel Insurance for your honeymoon, which would normally include cancellation cover if you're not able to travel as planned. Please visit InsuraTrip if you require Travel Insurance for your honeymoon.