Is wedding insurance a one-off payment?

Yes, wedding insurance is usually a one-off payment for a single policy that covers your wedding day. You pay once, and the cover lasts from the date you buy it until the day after your wedding, or until your honeymoon ends if included. There is no monthly subscription or renewal fee.

The one-off payment covers the period between buying the policy and the wedding itself. That means if you need to cancel or postpone, you can claim. Some policies also include public liability cover for the venue, which is useful if you are holding the ceremony at home or in a public space.

Make sure you buy the policy as soon as you have booked anything significant, such as the venue or the caterer. The earlier you buy, the longer you are protected. You cannot buy cover for events that have already happened, so do not wait until the last minute.

If you are planning a wedding abroad, check whether the policy covers overseas events. Some UK policies only cover weddings in the UK. Read the terms carefully and ask the insurer directly if you are unsure.