Does wedding insurance cover a same-sex wedding?

Short answer

Yes, wedding insurance covers same-sex weddings in the UK. Same-sex marriage is legal across England, Wales, Scotland and Northern Ireland, and insurance policies do not discriminate based on the couple's gender or sexual orientation.

Wedding insurance is available to all couples, and same-sex weddings are covered in exactly the same way as opposite-sex weddings. Since same-sex marriage became legal in England and Wales in 2014, in Scotland in 2014, and in Northern Ireland in 2020, insurers have standard policies that apply to every couple regardless of their gender or sexual orientation.

That means you can get the same cover for cancellation, supplier failure, loss or damage to wedding items, and public liability. There is no separate or reduced cover for same-sex weddings, and you do not need to disclose your relationship status in any special way. You simply take out the policy in your own names, just like any other couple.

One thing to consider is that some religious organisations choose not to hold same-sex weddings, so if you are marrying in a place of worship, check with that specific building. That is a matter for the religious body, not for your insurance. Your policy will still cover the event itself, as long as the ceremony is legal.

If you have any concerns, read the policy wording to confirm there are no exclusions based on the couple's details. In practice, UK insurers treat all weddings equally, but if you are unsure, ask the insurer directly before you buy.