What kind of insurance do I need for a wedding?

Short answer

You need specialist wedding insurance, not general home or travel cover. It protects the money you have spent on your wedding if something goes wrong, such as cancellation, illness, or venue problems. Check the policy carefully to make sure it covers the parts of your day that matter most to you.

Wedding insurance is a specific type of policy designed for the events and costs around getting married. Ordinary home or travel insurance will not cover a wedding, so you need a dedicated policy. It usually protects you if you have to cancel or postpone the wedding, and it can cover things like the venue, catering, the dress, and photography.

You can choose cover that suits your plans. For example, you might want cover for the whole day, or just for the key costs you have already paid. Some policies also cover public liability, which is useful if your venue asks for it, and cover for damage to hired items.

Think about what could realistically go wrong for your own wedding. If you are having a small ceremony at a register office, your needs will be different from a large outdoor celebration. Read the policy wording carefully. If you are unsure whether something is covered, ask the insurer before you buy. The rules for legal ceremonies do not affect insurance, but you should still check whether your ceremony type is covered if it is not in a standard venue.