Does wedding insurance cover extreme weather?

Extreme weather cover is usually included in wedding insurance policies, but it has strict conditions. It typically applies when the weather is so severe that the venue is physically inaccessible, like a flood, a storm that damages the building, or a road closure due to snow. It does not cover a light drizzle or a cloudy day. You also need to show that the weather was unexpected and that you could not reasonably have planned for it. For example, if you are getting married in November and it snows, that may not be covered because it is expected. If your outdoor ceremony is moved indoors because of rain, that is not a cancellation, so you would not claim. Some policies cover additional costs for moving to a backup venue, but only if the original venue is unusable. Check your policy for the exact wording, as 'extreme weather' is defined differently by each insurer. If you are worried about weather, consider a policy that includes 'disruption' cover, but always read the small print. For official advice on weather-related cancellations, check GOV.UK or your venue's contract.