Understanding Wedding Cover

Your wedding day is likely to be the biggest and most exciting day of your life, but planning the special occasion can also be very stressful and extremely pricey, with the average cost of a wedding in the UK now surpassing £30,000 according to Bride magazine.

From dresses to cakes, to DJs and florists there is plenty to organise ahead of your wedding. It’s wise to do plenty of research as to which suppliers, venues and dress is for you, but also think about what would happen if things went wrong.

While not everyone will experience an aspect of their day not going to plan, when things do go pear-shaped it can be both upsetting and frustrating. Having suitable Wedding Insurance in place negates some of the worry.

Our comprehensive guide breaks down everything you need to know about wedding insurance, from when to buy to what’s covered. We’ll also show you how our cover and prices compare with a number of other top wedding insurance suppliers.

10 Wedding Cover Must Knows

Wedding Ceremony

1. Insurance isn't just for extravagant weddings

Don't think that just because you're not spending tens of thousands on your wedding that you shouldn't consider Wedding Insurance. Many providers, including Protectivity, allow you to choose a level of cover that is suitable for your wedding budget.

That way, the price you pay reflects the protection you need, whether you are opting for a low-key understated day, or are splashing the cash on a extravagant, no expense spared wedding.

Wedding Photographer

2. Almost every aspect of your day can be covered

The biggest part of any wedding insurance policy is the cancellation cover. If ceremony cannot go ahead for reasons out of your control, you will be covered for the costs surrounding venue hire, suppliers, flowers, cakes and much more.

However your day doesn't have to be a complete disaster for your insurance policy to provide some relief with many other examples available of why you should buy wedding cover. If your flowers didn't turn up on time, your photographer lost the master copy of your photos, or if someone in your wedding party is blamed for damage caused during the day, there will be some coverage included on your insurance.

Wedding Cover - Cold Feet

3. But having cold feet isn't covered

While a good wedding insurance policy will cover a lot of things, it won't give you any protection if you get cold feet and simply decide not to go ahead with your wedding. And however stressful wedding planning is, that exclusion is often extended to cancellations brought on by your stress or anxiety.

Other common exclusions in many insurance policies include the loss of wedding attire or gifts if they were lost or stolen while in an unsecured area with no sign of a break-in, and members of the wedding party being unable to attend an overseas wedding because they failed to obtain the necessary vaccinations.

Wedding Dress

4. Don't fall into the trap of relying on home insurance

Many people will think that using their home insurance policy to insure some of the physical items required for their wedding ceremony is enough. And while such policies may offer some protection, there are plenty of areas this approach would leave you exposed.

For example, the biggest costs associated with weddings are not physical things such as rings and suits, but the expenditure on venue hire and suppliers. If you were to be let down by your DJ, photographer or florist or if your venue of choice were to close down, home insurance would offer no protection at all. That's why a specialist wedding insurance policy is always best.

Wedding-Cover-Planning-Checklist

5. You can buy up to 2 years in advance

Some couples will spend years planning their perfect wedding. And as soon as that planning begins, and money starts being spent it's a good time to buy insurance. There's no extra cost for buying well in advance, but you do get much more protection.

Regardless of when you book your venue, if it were to close down or not be fit for purpose during your period of insurance, you would be covered. The same is applicable for other aspects of your wedding day too. If you bought your insurance early, you're covered from the date of purchase.

Wedding - Pregnant Bride

6. Pre-existing medical conditions are often covered

With many forms of insurance, the question of whether pre-existing medical conditions are covered is a common one. Many wedding insurance policies will cover you if such a condition forces you to cancel or rearrange your wedding; for example if an asthma attack results in you being unfit for your big day.

Brides who are pregnant in the build up to their wedding also have some protection. Medical complications due to pregnancy are covered under Protectivity's policy, so long as the diagnosis is after the date of policy purchase. One exclusion to note is that if any member of the wedding party is undergoing tests or awaiting the results of medical investigations at the time of purchase, any subsequent diagnosis may not be covered.

Wedding Cover - Ceremonial Swords

7. Some specialist wedding items may incur an additional cost

Protectivity's wedding insurance is set up as a package policy, meaning the same items are covered up to various maximum amounts. Just choose the amount of protection you need and proceed to purchase.

However, there are some added extras you can add to many insurance policies. For example, military weddings and some traditional weddings from overseas may include the use of valuable ceremonial swords. An extension to any policy can be purchased to protect against damage to these items. Other optional extras include marquee cover and a public liability upgrade.

Wedding Cover - Overseas

8. You're covered if you get married abroad

Many people are now choosing to swap the UK for a wedding overseas, with more thousands jetting off for a ceremony in foreign lands every year.

Just because the happy couple are not staying in their home country for their wedding doesn't mean they can't get protection. Protectivity's policy includes overseas weddings as standard, providing the same cover as weddings occurring closer to home. Remember though, a wedding insurance policy will not cover your honeymoon, so a specific travel insurance policy may be required.

Wedding Cover - Planning

9. Keeping track of expenditure helps everyone

Having a budget and keeping track of what you're spending on your wedding is advisable regardless of whether you have insurance in place. Knowing where your money is being spent will allow help you stay will on budget.

Staying on track of your expenditure will also help you if you needed to make a claim on your insurance. It is likely that if you need to make a claim on your insurance, your insurer will expect to see proof of any agreements or contracts outlining the money you have paid or agreed to pay. This will be vital in order for you to claim back the full ammount you stand to lose.

Wedding Cover Making A Claim

10. Making a claim is easier than you think

When things do go wrong in the build up to your wedding, or even on the big day itself, we aim to make claiming on your policy as easy as possible.

We'll simply direct you to the relevant form that you will need to complete and send to our specialist claims handlers. They aim to handle every claim as efficiently and sympathetically as possible, to allow you to get back to enjoying your special occasion as soon as you can.

How Our Wedding Insurance Compares

At Protectivity we’re proud to say that we can offer a competitively priced Wedding Insurance product to suit your needs. While there are seven tiers to choose from, here’s how we stack up against some of the competition.

Protectivity

Tier 4 Wedding Insurance
£ 44.80
  • £17,500
    Cancellation Cover
  • £6,000
    Wedding Attire Cover
  • £4,000
    Wedding Ring Cover
  • £8,500
    Failure of Suppliers Cover
  • £6,000
    Photography & Video Cover
  • £4,000
    Flowers & Cake Cover

Dreamsaver

Amber Cover
£ 57.00
  • £15,000
    Cancellation Cover
  • £6,000
    Wedding Attire Cover
  • £6,000
    Wedding Ring Cover
  • £7,500
    Failure of Suppliers Cover
  • £6,000
    Photography & Video Cover
  • £6,000
    Flowers & Cake Cover

Wedding Plan

Diamond+ Cover
£ 57.84
  • £17,000
    Cancellation Cover
  • £6,000
    Wedding Attire Cover
  • £4,000
    Wedding Ring Cover
  • £8,500
    Failure of Suppliers Cover
  • £6,000
    Photography & Video Cover
  • £4,000
    Flowers & Cake Cover

John Lewis

Level 2
£ 80.00
  • £15,000
    Cancellation Cover
  • £7,500
    Wedding Attire Cover
  • £4,000
    Wedding Ring Cover
  • £7,500
    Failure of Suppliers Cover
  • £7,500
    Photography & Video Cover
  • £7,500
    Flowers & Cake Cover

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Frequently Asked Questions

Q. Is there a minimum time before my wedding I can purchase insurance?

A. No. Protectivity can provide you with a Wedding Insurance policy all the way up until a day before your wedding, providing you do not know of any reason that may result in you needing to make a claim. So if you’re getting close to the date and suddenly remember you are not yet covered, it’s not too late to take out insurance.

Q. Will I be covered if the wedding ceremony and reception are on different dates?

A. Yes, you are covered for up to two ceremonies and two receptions, providing the date of your reception is within 56 days of the date of your ceremony.

This is perfect for couples who are maybe having a smaller ceremony one week before a more lavish reception in the weeks that follow, or for those getting married abroad who also want a UK reception with family and friends that couldn’t make it.

Q. Will I be covered for deposits paid prior to purchasing the wedding insurance?

A. As long as the incident that has caused you to lose these deposits hasn’t already occurred, you will be covered for any costs incurred prior to purchasing the insurance.

We cover deposits going backward for an unlimited time period, so even if you paid the deposit for your wedding venue or reception three years ago, you would be covered.

Q. Will I be covered if the weather is really bad?

A. You will be covered for adverse weather conditions that are such that they cause major disruption to travel services i.e. rail, road or bus, thus severely affecting the ability of you and/or your close relatives to reach the wedding or wedding reception.

So if a member of the bridal party or a close family member was unable to reach the wedding due to cancelled trains because of snow-fall, you could be entitled to make a claim.

Q. If I am hiring or booking a supplier who is not a limited company or is classed as a freelancer, will I still be covered?

A. Yes, but when hiring or booking any services for your wedding, you should have a contract or at least some form of written confirmation in place to prove that you have made arrangements. You should also have proof of any payments made.

In the event of a claim, you will need to prove the exchange of agreements or money in order for it to be a valid claim.

Q. Do both me and my partner need to be a resident of the UK?

A. Yes, we are only able to offer wedding cover to couples where both parties are residents of the UK, or have been living in the UK for at least six months prior to the purchase of your insurance policy and be registered with a local medical practitioner.

Q. Does wedding insurance cover wedding planners?

A. Our wedding insurance will only cover wedding planners if the arrangement between you and them is a planning service only.

Cover is excluded if the wedding planners are responsible for paying suppliers on your behalf.

Further information on our policy

If you have any other questions regarding our Wedding Insurance policy, then feel free to get in touch with our friendly team on 01494 887909. Our phone lines are open 9am to 5:30pm, Monday to Friday. 

More information on what we can cover on this policy can be found on our FAQ’S page.