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Five reasons you need wedding insurance

Five reasons you need wedding insurance

Written by Katie Byrne

Because it's always better to be safe than sorry...


Planning a wedding can be like wading through What-ifs. What if the supplier cancels? What if it rains? What if rings are stolen and dresses ruined and everyone fluffs their lines – what if everything that can go wrong, does go wrong?

It might seem that the odds are stacked against you. However, wedding insurance is easier and cheaper than you might think. You can be protected instantly and for up to two years in advance. In fact, there’s plenty of reasons to err on the side of caution and put wedding insurance first on your to-do checklist.

#1 It’s not as much as you might think

Weddings are pricey. The average cost of a UK wedding usually equals the amount you’d pay for a new car: the venue, catering, rings, outfits, entertainment, professional photography and all those other costs that pile up during the planning stage.

However, wedding cover from is a one-off payment that provides protection for each of those individual factors (should you need it). It’s instant affordable insurance that won’t cut into your budget.

#2 Cover in the event of loss, damage and theft

Rings can get lost or stolen. Deposits disappear – as do suppliers and businesses. Attire, presents, wedding photos, gifts, cakes and decorations can all be lost, stolen or otherwise irrecoverable.

Fortunately, you needn’t further tear out your hair by paying out of your own pocket. Wedding insurance can provide financial reimbursement for thousands of pounds’ worth of unexpected losses.

3. Insurance whatever the weather

Severe weather can make a venue impossible and delay planned transport, especially If the wedding party is coming from overseas or if you’re trying for a dream wedding abroad.

While last minute alterations are costly, our Platinum level insurance covers up to £25,000 for cancellation and related expenses and up to a maximum of 50% of the cost of the original services in the event of rearrangement. Wedding cars and transport are covered up to a total of £5,000. Insurance can cover weddings abroad too, so you can rest a little easier without having to keep an eye on the skies.

4. Public liability

An unfortunate reality is that the bride and groom may be held liable for damages incurred to your wedding guests. It might sound far-fetched but there have been cases when family members and friends have ended up suing the happy couple. The perfect day indeed!

Insurance can cover the policyholder, bride and groom in the event that you’re held liable to pay for claims made against you for death, bodily injury or damage to property – though fixing any awkward family rifts is out of our hands.

5. Take the stress out of planning ahead

Although an insurer can’t promise to magic away the risk of nightmare inconveniences happening, what we can do is to provide a degree of cover in the event of threats ruining the big day.

With four levels of cover starting from £24.51, insure against unforeseen accidents and ensure your wedding goes off without a hitch. Visit for further details and protect the big day ahead.

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