Do I need wedding insurance? When to buy wedding insurance
Weddings now cost as much as a new car. According to research by You and Your Wedding, couples are spending on average £20,000 for their wedding. So, if you’re planning to tie the knot, should you add the cost of wedding insurance to your budget?
Existing cover for your wedding
Before considering wedding insurance, it's worth checking any protection you already have.
Section 75 protection for credit cards
Paying for anything more than £100 and up to £30,000 with a credit card means you can claim your money back from your credit card provider through Section 75 of the Consumer Credit Act if there is a problem with goods or services that constitutes a breach of contract. This could include your reception venue being double-booked or the wedding cake not being delivered. Visit our guide to for more information.
Chargeback could also be a possibility if you paid by Visa or MasterCard credit card for an item that costs less than £100 or you paid by debit card. Through this process, your provider can try to get your money back from the retailer on your behalf but it isn’t legally obliged to.
Many policies increase cover for one month before and one month after the wedding of someone in the household to cover wedding gifts and sometimes items bought for the wedding. Check your policy documents for details.
- Need individual help on wedding insurance- call the Which? Money Helpline
- Compare cover and premiums for low and high cost Wedding insurance policies
- Check out our guide on 10 way to cut the cost of your wedding
Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.