Should we buy wedding insurance?

Planning a wedding is expensive and you might be wondering if you need wedding insurance too, especially with the uncertainty of recent times.

The short answer is yes and in my contract I advise that ‘the client is required to have comprehensive wedding insurance to protect themselves from costs if they need to cancel’ but you might be wondering why?

It’s yet another thing that you have to pay for after all. But, on the day of writing this (2020), prices range from £15 to £130 as a one off fee, and offer cover from £5K to £50K.

Considering all the money you’re investing in your wedding, it’s highly recommended you have comprehensive wedding insurance.

WHAT DOES WEDDING INSURANCE COVER?

Wedding insurance generally covers the main things that can go wrong on your day to varying amounts depending on the level of cover you buy. Generally, your wedding insurance will pay out for the following reasons:

  • Cancellation*

  • Rearrangement

  • Failure of Suppliers

  • Ceremonial Attire

  • Photography / Video

As an optional extra, you can also buy coverage for your Marquee or Tipi, if you’re planning to use a ceremonial sword or if your venue needs you to have public liability insurance.

If you’re planning a destination wedding, make sure that you get international or worldwide wedding insurance.

* Your wedding insurance covers cancellation if your wedding venue has to do it due to a government ban on gatherings or travel for example, or other extenuating circumstances outside of your control. It does not cover you if you decide to cancel for reasons within your control.

Martin Lewis from MoneySavingExpert has an excellent guide to wedding insurance that I recommend you read here