Introduction

The Pros and Cons of the Best Wedding Insurance Providers in the UK

Choosing the right wedding insurance for your big day is imperative but with so many providers out there, it can make making a decision difficult. I’ve created lots of reviews for various UK wedding insurers but I felt as though it would be helpful to create a concise article detailing the pros and cons of the best wedding insurance providers in the UK.

Here, I’m going to discuss some of the great (and not so great) things about the biggest names in wedding insurance in the country. My hope is that this information will aid you in making the right decision for your special day.

I would, however, urge you to consider that there are many other companies offering wedding insurance besides the ones I’ll include here. I would strongly recommend researching each option carefully and read the terms and conditions of the policies in detail before making a commitment.

1. WedInsure Wedding Insurance

WedInsure is one of the most well known wedding insurance providers in the country. Their policies start from less than £50 and there are 10 levels of cover to choose from. The lowest tier offers up to £5000 in cancellation cover as well as various other types of cover while the top package, which costs £250, gives you cancellation cover of up to £50,000. Let’s take a quick look at the pros and cons of this provider.

Full Wedinsure Review

WedInsure Pros & Cons

Pros
  • The customer service provided by WedInsure is impeccable and the claims process is fast and easy
  • With 10 levels of cover, there’s something for everyone and every budget
  • You will get up to £2 million in personal liability as part of your policy
  • The cost of the cheapest policy is £38.99 which is around average for this type of cover
  • WedInsure offers lots of add ons to personalise your policy to suit your needs
Cons
  • Weddings that take place abroad are not included in your policy but you can choose this as an optional extra.
  • Covid-19 cover is not included. However, there is the option to buy an extension for this but the rules when making a claim are quite strict.
  • If you would like to add public liability to your policy, this does involve an additional fee.

 

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2. WeddingPlan Wedding Insurance

wedding-plan-insurance

WeddingPlan is one of the most affordable wedding insurance providers in the UK. The company actually stopped providing wedding insurance for some time as a result of the Covid-19 pandemic but they’re back up and running with some brilliant options for cover. What I personally love about this provider is their versatile range of policy options. But there’s a lot more to discover so let’s take a look at what to expect from WeddingPlan.

WeddingPlan Full Review

WeddingPlan Pros & Cons

Pros
  • There are 9 levels of cover ranging between £39.99 and £350. The lowest level offers up to £2,500 cancellation cover while the highest provides you with up to £65,000 of cancellation cover. All policies also cover standard things like gifts, cakes, vehicles, attire, illness, injury and ceremonial swords.
  • Making a claim is incredibly easy and turnaround is in as little as one week.
  • WeddingPlan is an award-winning company that has been operating for over 20 years which gives you peace of mind that you’re working with a reputable provider.
  • WeddingPlan offers extremely competitive prices without compromising on the quality of cover or customer service.
Cons
  • The limits on abroad cover might be restricting depending on the type of ceremony you have. For example, ceremonial swords aren’t covered outside of the UK and you won’t be able to get public liability in North America.
  • This provider does not offer any kind of Covid cover.

 

3. Emerald Life Wedding Insurance

One of the things I noticed about Emerald Life wedding insurance was that there aren’t as many levels of cover. However, the cover that is offered is surprisingly versatile with cancellation up to $100,000 when you purchase the top tier. All of the standard things are included in your cover such as damage to gifts, cars, attire etc as well as personal liability and legal expenses. With cover available in most of the world, Emerald Life certainly has a lot going for it; let’s take a closer look at the pros and cons.

Emerald Life Full Review

Emerald Life Pros & Cons

Pros
  • Emerald Life wedding insurance offers a generous cancellation cover of up to £100,00 with its top tier package
  • If you are also looking to insure your honeymoon, Emerald Life provides an optional add on for this.
  • All kinds of ceremonies are covered and come complete with discrimination cover.
Cons
  • Only 4 levels of cover are available
  • While it is possible to take out a policy for weddings in most countries, there are some exclusions including North Korea, Iran and Cuba.
  • You can cover your wedding in the USA or Canada but the personal liability does not apply in these locations.
  • You will need to pay an excess between £50 and £250 when making a claim depending on the policy level.
  • Unless you are receiving treatment as an inpatient, your policy will not cover conditions such as anxiety, stress or depression.

 

4. CoverMyWedding Wedding Insurance

CoverMyWedding Review

The price of a policy from CoverMyWedding is about average so there won’t be any nasty surprises in terms of cost. The top level offers up to £50,000 worth of cancellation cover with a policy price of £249. All of the standard things are included with your policy such as attire, vehicles, gifts, cakes, flowers, photographs etc. There’s also the option to add on extras should you wish to tailor your plan. Here are my thoughts on the good and bad points of this insurer.

Covermywedding Full Review

CoverMyWedding Pros & Cons

Pros
  • CoverMyWedding has eight tiers to choose from, offering excellent versatility and something for everyone.
  • The top tier offers up to £50,000 in cancellation cover
  • CoverMyWedding offers cover in both the United Kingdom and Ireland. However, if you are getting married in any other country, you will need to purchase an extension on your policy
  • Affordable cover that starts from just £49
Cons
  • The amount of excess you need to pay when making a claim is the same regardless of which tier you choose.
  • CoverMyWedding has had numerous complaints about its poor customer service.

 

5. Dreamsaver Wedding Insurance

I was very pleased with the excellent range of cover options from Dreamsaver wedding insurance. However, I did notice that the policy price was slightly higher than average. But this shouldn’t put you off as Dreamsaver does have a lot to offer including all of the standard cover you’d expect as well as plenty of added extras like covid cover. In the table below, I’ll outline the pros and cons.

Dreamsaver Wedding Insurance Full Review

Dreamsaver Pros & Cons

Pros
  • Dreamsaver offers wedding insurance both in the UK and abroad.
  • The company offers some unique standard features in their policies such as professional counselling up to the value of £1000.
  • There are eight levels of cover to choose from ranging between £55 and £400 with cancellation cover between £6000 and £80,000 respectively.
  • Military and civil ceremonies are covered as well as a whole host of other types of ceremonies.
  • Dreamsaver offers the option to add covid-19 cover to your policy. However, it is worth noting that there are restrictions to making a claim on this including who you can claim for and the fact that they must have contracted covid at least 10 days prior to the wedding.
Cons
  • One of the main drawbacks of Dreamsaver wedding insurance is that the lowest policy level costs £55 which is more than some of the competitors.
  • The amount of excess you are required to pay remains at £100, regardless of which tier you have purchased

 

6. InsureForWeddings Wedding Insurance

Insure for Weddings

*At the time of writing, InsureForWeddings is not trading

When it comes to budget wedding insurance, InsureForWeddings really does have you covered since their most affordable policy is just £18.99. As well as having six levels of cover, InsureForWeddings also offers optional extras which allow you to tailor your policy to suit your needs.

Full InsureForWeddings Review

InsureForWeddings Pros & Cons

Pros
  • With six levels of cover to choose from, InsureForWeddings is very versatile
  • If you are looking for affordable wedding insurance then the basic package at £18.99 might be a good option.
  • The company also provides travel insurance
Cons
  • At the time of writing, InsureForWeddings is not trading
  • While the policies are affordable, this means that the cancellation cover is not very high even at the top tier which is just £40,000
  • You do need to pay an excess of £25 or £50 depending on your level of cover when you make a claim.
  • If you need marquee cover, this will cost an additional £59.

Final Thoughts

Choosing a wedding insurance provider can be something of a headache and many soon to be spouses are left scratching their heads and wondering which option is best. While I cannot provide an exhaustive list of every wedding insurance provider in the UK, those featured in this guide are among some of the best.

As with anything there are plus points and drawbacks to every option and the tables in this article are designed to outline these as clearly and concisely as possible. I hope that this information has made making a choice that little bit more simple.

Wedding Insurance FAQs

Will my wedding be covered if it is abroad?

Some wedding insurance providers offer cover for weddings taking place outside the UK but this is not a standard thing. Speak to your provider to be clear on what is covered.

Do wedding insurers cover civil ceremonies?

Yes. Most wedding insurance providers also cover other types of events like civil ceremonies.

Can I make a claim if my partner gets cold feet?

No. Wedding insurance only covers events outside of your control. One member of the couple cancelling because they no longer wish to get married is a conscious decision and therefore not covered.

Do I really need wedding insurance?

If it’s a very small and inexpensive wedding then you might not need cover although a basic package could give you some peace of mind. For the average wedding, it is advised to take out cover as this can save a lot of financial hardship should anything go wrong.

Is Covid-19 covered by wedding insurance?

While most wedding insurers do not offer covid cover, there are a few that are starting to consider this.

How much will my wedding be insured for?

The total amount of cover you can claim will be detailed in your package and this amount will differ depending on the package you have taken out. For more coverage, you’ll have to pay a higher premium.

Wedding Insurance Video Guide