Can I buy wedding insurance last minute?

You can buy wedding insurance at any point before your wedding, including just a few days before. Many insurers allow you to purchase a policy right up to the day before the ceremony. However, there are important limits. A policy will not cover anything that has already happened, so if your venue has already closed down, you cannot claim for that.

Also, if you already know about a problem, such as a supplier going bankrupt, you cannot buy insurance to cover that specific issue. The insurer will ask about your situation, and you must be honest. Buying last minute means you miss out on cover for any deposits you have already paid, because those are only protected if the policy is in place before you pay.

If you are very close to the wedding, think about whether insurance is still worth it. It can still protect you for the day itself, such as public liability or damage to items. But for cancellation cover, it is much less useful if you have already paid most of your costs. The best approach is to buy insurance as soon as you have made your first significant booking, so you are covered from that point onwards.