Does wedding insurance cover gifts?

Wedding insurance policies in the UK generally include cover for gifts, but the level of cover depends on the policy. Most policies cover gifts that are received before the wedding, for example at an engagement party or a pre-wedding gathering, as well as gifts given on the day. The cover usually applies to loss, theft or accidental damage. There is often a limit on the total value of gifts covered, and sometimes a limit per single gift. If you receive something very valuable, such as jewellery or a large cash gift, you may need to tell the insurer in advance. Cash gifts are sometimes covered, but not always, so check the policy wording. If gifts are stolen from the venue, you will need to report it to the police and get a crime reference number. Keep a list of gifts and who gave them, with approximate values, so you can make a claim easily. If you are having gifts delivered to your home before the wedding, make sure they are covered while they are in transit and while stored at home.