Does wedding insurance cover lost or stolen rings?

Short answer

Yes, most wedding insurance policies cover lost or stolen rings, but you need to check the wording. Cover usually applies to the rings themselves, whether they are lost, stolen or accidentally damaged. Read your policy details carefully.

Most wedding insurance policies include cover for the rings, but the exact terms vary from one insurer to another. The cover usually applies from the moment you buy the rings, so a loss or theft before the wedding is typically included. Some policies also cover accidental damage, while others only cover loss or theft. You should check the single item limit, because expensive rings may need to be listed separately. Keep the receipts and any valuation documents safe, as the insurer will ask for them if you make a claim. If the rings are lost on the day itself, for example after the ceremony, the policy should still cover them, but the conditions may differ. If you are unsure, contact the insurer before you buy the policy and ask exactly what is covered. Do not assume that home contents insurance covers the rings, because it often does not, or only covers them while they are at home. Wedding insurance is the right place to protect them, but always read the policy document before you pay.