FAQs on wedding insurance


What is wedding insurance?

Wedding insurance is insurance to protect against unforseen cancellation, postponement or other things that can go wrong on the big day, such as double-booked venues, suppliers going into administration, the photographer not having film in the camera, or the cake not being delivered. Wedding insurance can also cover loss, theft and damage to the dress, gifts and other important items.

What is covered by wedding insurance?

If a wedding is postponed to a later date, wedding insurance may cover all or part of the costs of the venue, marquee, flowers, cake, dress, suits, photographer, car hire, etc. If the wedding is cancelled, wedding insurance may cover any of these items that were not able to be refunded. Wedding insurance can also cover all of these items from loss, theft and damage. Wedding insurance may also cover public liability of all guests at the wedding.

Does wedding insurance cover cancellation or postponement?

Wedding insurance usually covers cancellation or postponement if the bride or groom or a close family member falls ill or is injured. Cancellation coverage does not include voluntary cancellation, such as if the wedding gets called off indefinitely by the bride or groom.

How long are gifts covered by wedding insurance?

Some wedding insurance policies cover wedding gifts, usually for a period of up to three months after the wedding. Home contents insurance may also cover wedding gifts for the period surrounding a wedding of one of the occupants.

How is wedding insurance regulated?

The terms and conditions of wedding insurance differ from company to company and policy to policy. It is important to carefully read the terms and conditions of the insurance policy to understand what is covered and under what circumstances. The Financial Ombudsman regulates insurance companies and can provide assistance to resolve disputes regarding insurance.

If you would like to obtain legal advice on wedding insurance, we can put you in touch with a local specialist solicitor. Our service is free. So, if you have any questions or would like our help in finding local solicitors please call us on 08001 221 2299.

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