Do you need wedding insurance for your big day?The best policies for insuring your wedding

20 November 2010

If you want a beach wedding at sunset, ensure you pick a west coast location

If you want a beach wedding at sunset, ensure you pick a west coast location

Prince William and Kate Middleton will have hundreds of wedding helpers ensuring everything goes to plan when they head up the aisle next year. But if your gran isn't the Queen, you might want to consider taking out wedding insurance in case things go wrong in the run up to your big day.

Apart from buying a house, your wedding day is likely to be one of the most expensive purchases you ever make. It therefore makes sense to consider insuring your nuptials against the unforeseen. We explain what's covered and how much it costs.

What is covered by wedding insurance?

The types of cover offered by wedding insurance policies vary enormously, as do cover levels for each potential mishap. Most policies include:

  • Cancellation cover - for example if you are taken ill and have to call off the wedding
  • Loss or damage - items including the dress, cake, ring and presents are usually covered for a set period before and after the wedding
  • Failure of suppliers - for example if your caterer goes bust and cannot deliver the food and drink on the day. However, wedding list providers, such as the collapsed Wrapit, are often excluded from cover.

How much does wedding insurance cost?

The cheapest cover costs from around £20. For this premium you'll get fairly basic protection, including around £5,000 of cancellation cover and as little as £1,250 cover for supplier failure.

More comprehensive policies start around £100 and offer much higher cover levels. For example, premium policies offer up to £70,000 for cancellation and as much as £15,000 of cover for supplier failure.

What are the alternatives to wedding insurance?

If you pay for items costing over £100 and up to £30,000 using your credit card, Section 75 of the Consumer Credit Act means your credit card provider is equally liable with the retailer if things go wrong and there is a breach of contract. This can make getting a refund much easier, particularly if a supplier goes bust or you're buying from an overseas retailer.

For more information on section 75, read the Which? guide .

More information about wedding insurance 

For more details on the different levels of cover available, read the free Which? guide Do I need wedding insurance?

To cut the cost of your wedding, read our budget weddings guide. 

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