What does wedding insurance cover?

Most wedding insurance policies cover several main areas. The biggest is usually cancellation or postponement, which pays back your deposits and other costs if the wedding cannot go ahead. This could be because of sudden illness, bad weather, or a problem with the venue.

It often covers supplier failure, for example if your caterer or photographer goes out of business before the day. It can also cover loss or damage to key items, such as the wedding dress, suits, rings, and gifts. Public liability is usually included too, which covers you if a guest is injured or property is damaged at the venue.

Some policies include extra cover, such as for wedding cars, flowers, or the honeymoon, but this varies. You should check the policy details for any limits or exclusions. For example, some policies do not cover cancellations because of a change of mind, or if a supplier has not been paid properly.

If you are having a religious ceremony, the insurance is separate from the legal requirements. The rules for giving notice or banns can vary, so check with your register office or place of worship if you are unsure about the legal side. Insurance will not help with those rules.