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Wedding Insurance

Wedding Insurance - do you need it? And where to find cheaper Wedding Insurance

With the cost of getting married going up, and our disposable income going down, experts are advising that wedding insurance is a must if you want to protect yourselves financially should your wedding day not go to plan. Save money on Wedding Insurance

The Chief Bridesmaid suggests that you should allow for the cost of insurance in your wedding budget upfront and that it should be the first thing you buy. That way you’ll be covered from the outset, and before you start making any big purchases. You’ll pay a set price anyway and so you shouldn’t be penalised for starting your cover early.

However, it should be noted that one of the more obvious reasons for wedding cancellations - the bride and/or groom failing to show - isn’t typically covered by wedding insurance policies. Saying this, wedding insurance usually does cover cancellations due to unforeseen circumstances (a death in the family, dangerous weather, or military service).

Wedding insurance is particularly important if you opt to have your wedding in a marquee, your own home or in premises not usually hired out for functions. I got married in a marquee in my parents’ back garden; we were prompted to look into the costs of wedding insurance when we discovered that we could be open to huge costs if anything went wrong. As the marquee was going to be on my parents’ land, they would be liable for any accidents. The marquee hire company explained that we should take out some kind of liability insurance in case anything awful happened. We took out a policy with Greenbee (the financial services arm of John Lewis) which included £2.5m of public liability cover in the event of any claims arising from an accident occurring at my parents‘ house.
Wedding insurance costs can vary enormously and so you should think hard about the levels of cover you need. There’s no pointing paying more for a higher level of cover if this is in excess of what your actual costs will be.

What wedding insurance policies do and don’t cover varies enormously and so it’s important that you read the details before committing to one.

Wedding insurance policies commonly don’t cover:

Changing your mind

If you or your beloved get cold feet, officially termed as “disinclination to marry” you’re unlikely to get any payout from your policy. Some policies will offer you the small consolation of some professional counselling though. Cheaper Wedding Insurance advice from The Chief Bridesmaid

Stress and illness

If you cancel the wedding because of stress, compensation is sometimes only offered if you're admitted to hospital. Most insurers won't cover an illness you knew of when you took out the policy. Others will if you mention it upfront, but you may have to pay extra.

Hazardous activities

Most policies exclude cancellation due to injury caused by activities like horse riding, rock climbing and canoeing. Also note that some even extend their definition of 'hazardous' to manual work, such as building so be careful to read the smallprint. You'll find that injuries that happen while under the influence of alcohol are excluded, too. So the insurance won't kick in if you have a few too many and do yourself an injury on the dance floor.

Bad weather

Weather isn't covered unless it's so lousy it prevents the majority of your guests from arriving.

StrikesGuidance on what wedding insurance covers

Cancellation caused by strikes and labour disputes are typically not covered.

Wedding rings

Whilst most policies cover your wedding rings before the big day, you may find this finishes once your ceremony has taken place or during the honeymoon.

Most importantly read the fine print before taking out any wedding insurance policies.  Make sure that you know what it covers and what it doesn’t, so you can pick the policy that best suits your individual risks.

Cheap Alternatives to Wedding Insurance -

Unfortunately, the main insurance cost comparison websites don’t compare wedding insurance policy prices, and so my advice on cutting the cost of your wedding insurance - other than shopping around- is to explore one of the cheaper alternatives below.  These are worth considering if you’re planning a really cheap wedding - and so aren’t undertaking huge costs that you’re keen to insurance against. 

Home Insurance

Check out the details of your home insurance. Wedding presents, wedding dresses and engagement rings are covered automatically if your cover limits are high enough. Even if they're too low, you can add items to your policy for an extra premium of just a few pounds - much cheaper than taking out wedding insurance in full. Most insurers will increase cover for gifts before and after the wedding as standard (this usually gives an additional 10% contents cover). Wedding insurance will cover a whole host of things that your household insurance policy doesn't, and so it is worth comparing the two before you make a decision.

Pay with a credit card

Generally, if you pay with your credit card you're entitled to compensation from the credit card provider on anything you've bought for between £100 and £30,000. So in lots of cases there's little point in paying extra for a wedding insurance policy. If your venue went bust, for example, and you paid on your credit card, you may be able to claim back the money from your credit card provider.

Looking for cheap wedding dress tips? Wedding beauty special offers? Or cheap ideas for Bridesmaid dresses?