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Mandy has been with Starpeak Insurance Solutions since 2018, starting in sales in the consumer department and mov...
Mandy has been with Starpeak Insurance Solutions since 2018, starting in sales in the consumer department and moved to underwriting in early 2022. Prior to this her insurance journey started in 2001 with equine insurance in sales and latterly as a claims assessor. She gained her Cert CII qualification in late 2022.
Taking out Wedding Insurance for your big day is a vital step in the planning process. Not only will it protect you if you suffer damage to your wedding attire or rings, but it also covers you if you need to cancel your wedding.
The scenarios in which couples cancel their wedding vary dramatically. Some will be out of their control, others will be through their own choice.
So, does wedding insurance cover a couple who decide not to get married? In short, no.
Insurance cover is designed to protect you against unforeseen events beyond your control. A couple simply choosing that they do not want to proceed with their marriage is not one of those events.
Although UK figures are hard to come by, a report in the USA suggested that one in five engagements ended without the couple getting married. That number reiterates the need for wedding insurance for all weddings, though it is worth taking the time to understand what is and what isn’t covered.
Financial matters
Weddings are expensive, there is no getting away from that fact. That’s why it is always advised to keep a an up-to-date budget plan when booking each aspect of your wedding.
Sometimes couples can find themselves going over budget, leading to a realisation that they do not have the money for other aspects, or that by going ahead with the wedding they put themselves in a tricky financial position post-wedding. Neither of these situations will be covered by any wedding insurance policy. The onus is on the couple to ensure that they can afford to pay for their wedding.
One scenario which could allow a valid claim for cancellation is if one of the marrying couple, or someone who is contributing financially to the wedding, is made redundant.
In this instance, so long as the redundancy occurs more than eight weeks after the purchase of insurance, there could be grounds to cancel the wedding.
Cancelling for health reasons
Protectivity’s Wedding Insurance policy states that it covers couples against cancellation due to “the death, injury or sickness of You or your close relative
which would make continuance of the wedding inappropriate”.
No one wants illness to put paid to their dream wedding. This is where having insurance in place can help the majority of couples needing to cancel or rearrange their wedding in the event of sickness.
However, as well as pre-existing medical conditions known about at the time of taking out a policy, there are certain illnesses that won’t be covered.
We appreciate that planning a wedding can be hard work and very stressful. However, choosing not to go through with your big day because of stress or anxiety is not something that will be covered under a wedding insurance policy.
In summary, the simple answer as to whether wedding cover includes a change of mind, is no. There may be occasions when you have to postpone your wedding, but a disinclination to go through with marriage won’t hold much weight in an insurance claim.
*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date.
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My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.
For the small businesses we support, insurance and financial protection can sometimes seem complicated, especially when getting started. That’s why our content is designed to be clear and practical—providing helpful guidance and ensuring our customers not only find the specialist cover they require but are confident it will do the job they need.
