How much wedding insurance do I need?

The right amount of wedding insurance is not a fixed number. It depends on how much you are spending and what you could lose if something goes wrong. Start by adding up every cost you have already paid or committed to: the venue, caterer, photographer, flowers, outfits, rings, and any other supplier. That total is the minimum cancellation cover you need.

Next, think about public liability. If your venue requires it, you will need a policy that includes public liability cover, which protects you if a guest is injured or property is damaged during your wedding. This is often a separate part of the policy with its own limit.

You should also consider cover for your wedding attire, rings, and gifts, in case they are lost, stolen, or damaged. Some policies include this as standard, others offer it as an add-on. If you are having an expensive wedding, you may want a higher limit. If your wedding is simple and low cost, a basic policy may be enough. The key is to match the cover to your actual costs, not to guess. Read the policy limits carefully and choose the level that gives you peace of mind without paying for cover you do not need.