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Wedding insurance reviews

Compare costs and cover levels of wedding insurance policies offered by all the insurers in the market.

In this article
What is wedding insurance? How much does wedding insurance cost? Do you need wedding insurance? The best wedding insurance policies
Wedding insurance explained Wedding insurance policy details What about insurance for weddings abroad?

What is wedding insurance?

Wedding insurance can protect you against a range of unfortunate and costly events at your wedding.

These could range from losing the ring, to suppliers going under or the entire wedding being cancelled.

With wedding insurance premiums relatively small, and the cost of a wedding averaging £20,000, getting covered could make sense.

However, you may already be covered by other insurances and consumer rights.

 

How much does wedding insurance cost?

Wedding insurance premiums can be as low as £18 and as high as £310 or more.

A higher premium buys you higher levels of cover, as well as overseas and marquee cover. However, cheaper policies may suit many people.

Knowing your budget - the total cost of your wedding - is the starting point when seeking a quote.

You could also estimate how much the different parts of your wedding are likely to cost - such as the value of rings, flowers and transport, and make sure an insurance policy offers enough cover.

Do you need wedding insurance?

Not necessarily. 

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. 

You could also use chargeback rules to get refunded, 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.

Also check your home contents insurance policy - some 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.

Travel insurance is essential if you’re getting married outside of the UK, although it won’t cover problems with wedding suppliers or the venue.

The best wedding insurance policies

Which? members can log in to find out our scores for wedding insurance policies, covering all areas from overall cancellation to more specialised topics such as rings and photography cover.

If you're not a Which? member, sign up to a one month trial for Which? Money for just £1 to get access to thousands of our reviews today. 

Policy Premium  Total score Policy type Cancellation Attire Gifts Photo or video Cake Rings Flowers Liability coverage Liability limit Transport Supplier failure Legal expenses
Logged out detail £210 93% Superior

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Logged out detail £310 92% Superior

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Logged out detail £299 90% Superior

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Logged out detail £235 88% Superior

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Logged out detail £199 88% Superior

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Logged out detail £209 87% Superior

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Logged out detail £215 87% Superior

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Logged out detail £130 83% Superior

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Logged out detail £105 82% Superior

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Logged out detail £104 80% Superior

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Logged out detail £189 78% Superior

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Logged out detail £175 78% Superior

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* Ranked by total score. Based on policy details in October 2019

Wedding insurance explained

When researching wedding insurance you're likely to see the following terms used:

 

Cancellation

 

In case you have to rearrange the wedding or reception due to accident, illness (providing its not pre-existing) or bereavement within the main wedding party. Cancellation cover also covers instances were the venue cancels on you.

In some policies, extreme weather that prevents 50% of your guest from attending will also be covered.

You won’t be covered if you change your mind or can’t afford to go ahead. Make sure the policy limit reflects the entire cost of rearranging your wedding. 

 

Attire

 

In case the wedding dress, suits or other outfits are lost or damaged beyond repair while in your possession. The cover starts when you buy the outfits, or 24 hours before they’re hired.

 

Gifts

 

You should be covered if gifts are lost, stolen or accidentally damaged, provided they haven’t been left unattended. Be aware that this cover only applies a short time before the wedding and there may be specific limits for individual items, and limits for cash and cheque gifts.

 

Photo or video

 

If your photos or videos can’t be developed or the photographer doesn’t turn up, this cover will pay for you and the wedding party to hire outfits and get the photos retaken. However, it doesn’t cover poor quality photos.

 

Rings

 

In case the rings are lost, damaged or stolen. However, be aware that this cover only applies for a short time before and after the wedding so you should add rings to your home contents insurance.

 

Flowers

 

These are usually covered until the start of the reception. They’ll need to be packed properly while they’re being transported to the wedding.

 

Liability

 

Covers the bride and groom if they’re liable for injury to a third person or damage to a property, such as the venue. However, basic liability cover may not extend to injury or damage caused by guests - for that you’ll need public liability cover.

 

Transport

 

In case the transport you’ve arranged to take you to or from the wedding doesn’t turn up, you’ll be reimbursed for any deposits you’ve already paid and additional costs to rearrange transport..

 

Supplier failure

 

In case a supplier doesn’t deliver or goes bust, you’ll be covered for any deposits you’ve paid and any additional costs you incur. Make sure you have a written contract with the supplier.

 

Legal expenses

 

Similar to liability cover, this means the bridge or groom’s legal expenses if they’re taken to court because of an injury or damage they’ve caused.

 

Marquees, swords and public liability

 

If your wedding involves any of these, you’ll typically have to get extra cover or pay for a superior policy. Marquee cover is required where you put a marquee up on your land or hired land where the owner doesn’t also own the marquee. It will pay for any accidental damage to the marquee, staging, chairs, tables, lighting and flooring.

Ceremonial swords are typically expensive and so insurers will require extra cover.

Public liability extends liability cover to your guests, in case they cause injury or damage.

Wedding insurance policy details

Which? members can log in to find out claims limits for wedding insurance policies, covering all areas from overall cancellation to more specialised topics such as rings and photography cover.

If you're not a Which? member, sign up to a one month trial for Which? Money for just £1 to get access to thousands of our reviews today. 

 

Policy Premium  Policy score Policy type Cancellation Attire Gifts Cash and vouchers
limit for gifts
Photo or video Cake Rings Flowers Liability coverage Liability limit Transport Supplier failure Legal expenses
Logged out detail £210 93% Superior £65,000 £10,000 £10,000 £1,250 £22,000 £10,000 £10,000 £10,000 Public £5,000,000 £22,000 £35,000 £20,000
Logged out detail £310 92% Superior £100,000 £50,000 £15,000 n/a £50,000 £50,000 £15,000 £50,000 Personal £5,000,000 £50,000 £50,000 £10,000
Logged out detail £299 90% Superior £100,000 £20,000 £15,000 £2,000 £50,000 £15,000 £15,000 £15,000 Public £2,000,000 £50,000 £50,000 £20,000
Logged out detail £235 88% Superior £50,000 £25,000 £12,500 n/a £25,000 £25,000 £12,500 £25,000 Personal £5,000,000 £25,000 £25,000 £10,000
Logged out detail £199 88% Superior £65,000 £10,000 £10,000 £1,250 £22,000 £10,000 £10,000 £10,000 Public £2,000,000 £22,000 £35,000 £20,000
Logged out detail £209 87% Superior £60,000 £25,000 £12,500 n/a £27,500 £15,000 £12,500 £15,000 Personal [c] £2,000,000 £25,000 £27,500 £20,000
Logged out detail £215 87% Superior £70,000 £10,000 £12,500 £2,000 £20,000 £10,000 £10,000 £10,000 Public £2,000,000 £15,000 £40,000 £20,000
Logged out detail £130 83% Superior £40,000 £10,000 £10,000 £1,000 £10,000 £10,000 £10,000 £10,000 Personal [c] £5,000,000 £10,000 £10,000 £20,000
Logged out detail £105 82% Superior £32,000 £10,000 £10,000 £1,250 £12,000 £8,000 £8,000 £8,000 Public £5,000,000 £12,000 £16,000 £20,000
Logged out detail £104 80% Superior £30,000 £10,000 £10,000 £1,000 £10,000 £10,000 £10,000 £10,000 Public £2,000,000 £10,000 £15,000 £20,000
Logged out detail £189 78% Superior £50,000 £10,000 £10,000 n/a £20,000 £10,000 £10,000 £10,000 Personal £3,000,000 £9,500 £10,000 £10,000
Logged out detail £175 78% Superior £50,000 £10,000 £10,000 n/a £20,000 £10,000 £10,000 £10,000 Personal £3,000,000 £9,500 £10,000 £10,000

 

* Ranked by total score. Based on policy details in October 2019

[a]  Cover for irrecoverable expenses if you have to cancel the wedding [b]  Personal - only actions of the bride and groom/civil partners are covered; Public - actions of all invited guests are covered [c] Optional public liability cover for guests available

What about insurance for weddings abroad?

Although standard wedding insurance policy won’t apply to weddings abroad, many insurers offer specialised cover. 

Even with wedding insurance, travel insurance is still essential to cover the bridge, groom and guests before and after the wedding.

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