Compare wedding insurance

Weddings come in all shapes and sizes, from small intimate affairs to big-budget international extravaganzas, but with the average UK wedding costing a little over £15,000, it’s important you have some backup in case things go wrong. That’s where wedding insurance comes in – it provides financial protection for what is often a considerable financial commitment.

Wedding insurance covers things that could potentially go wrong on the day. Depending on your policy, that could include problems like:

• Family illness 

• Extreme weather

• Suppliers not delivering 

• Venue or catering cancellations

Providers will often offer wedding insurance policies in package deals, although you can get tailored policies to suit your specific needs.

Some policies may impose limits on the amount of cover they provide, so it’s important you know exactly what you’re getting from your wedding insurance.

Every wedding is different, so it’s important to get a policy that covers what you need. As well as issues like cancellations or rearrangements, wedding insurance will usually cover you for physical items like:

• Your wedding attire

• Flowers, cakes and rings

• Wedding cars and transport

Wedding insurance should also include public liability protection. This can provide compensation if someone is injured at your wedding or if a member of your wedding party damages the venue. 

Once you’ve found the type of policy that works for you, compare wedding insurance policies to find the cheapest deal for your desired level of cover.

This depends on how much you intend to spend on your wedding. Work out what your wedding day will cost in its entirety and get a policy that covers that if you have a problem. 

To calculate the costs, add together everything you’re likely to pay for, including:

• Venue

• Attire

• Rings

• Cake

• Photographs and video

• Cars and transport

• Flowers

• Wedding gifts

You need to find a policy that offers the right level of cover for your total costs. If your wedding adds up to £20,000, find a policy that offers a cancellation cover limit that’s equal to that sum.

Prioritise cover over price. While a wedding insurance comparison may throw up cheap deals, it’s more important you have the level of cover you need.

To get an idea of how much a wedding could cost, our wedding decor guide delves into the added extras you might need to consider.

When looking for a policy that suits your needs, think about:

• What you need it to protect – for example the venue, rings and catering

• How much you plan to spend on your wedding

• Whether you have any protection already – for example cover via your credit card 

Once you know what you need, comparing wedding insurance quotes can help you find the best cover at the cheapest price. This is especially true with this type of insurance as smaller providers often have better deals that the major insurance companies.