Wedding Insurance Civil Ceremonies or Partnerships

Civil ceremonies differ from weddings in that they are performed by a registrar and have no religious context. If you want something that is a little less traditional then a civil ceremony might be exactly what you’d hoped for on your big day.

You can get married almost anywhere when you have a civil ceremony. Some people simply choose their local registry office whereas others want something a little more extravagant such as at a theme park, on a clifftop and even down at the Houses of Parliament! But whatever you go for, you’ll want to make sure that your big day is covered should anything go wrong.

The best way to do this is to take out insurance for your civil ceremony so that you can rest easy in the knowledge that your financial investments are protected should there be a need to cancel or if anything unexpected happens. This guide tells you everything you need to know about civil ceremony wedding insurance.

Do I Need Wedding Insurance For A Civil Ceremony?

The key difference between a traditional wedding and a civil ceremony is that the latter doesn’t include any religious aspects. Maybe you’re not a religious person or you fancy moving away from tradition and doing something a little different. Whatever your reasons for having a civil ceremony, you’re still likely going to be spending a lot of money.

Just like a traditional wedding, there will be venue hire fees, outfits, catering, flowers, rings and much more. You may end up spending thousands, even tens of thousands of pounds on your special day but if something were to go wrong, you might lose all of that money.

Having wedding insurance for your civil ceremony will ensure that the costs are covered should the worst happen. You may need to cancel the wedding or change the date which could see you losing deposits. You might lose, damage or have items stolen and in some cases, suppliers might not even show up on the day. Being able to feel confident that you’re covered financially for such events will soften the blow, even if just a little.

Since getting married is such a costly venture, we’d always advise taking out an insurance policy for your civil ceremony.

How Much Is Wedding Insurance For A Civil Ceremony?

How Much Is Wedding Insurance For A Civil Ceremony

The great thing about taking out a wedding insurance policy for your civil ceremony is that it’s not going to break the bank.

These policies start at as little as around £20. This is ideal if you’re only having a small wedding and need cancellation cover up to around £2500.

Of course, you can take out more substantial policies if you’re going to be spending a lot more on your big day. It goes without saying that, the more cover you buy, the higher the premium is going to be. That said, even for a very extravagant civil ceremony, you wouldn’t expect to pay anymore than a couple of hundred quid!

What Will Be Covered In My Civil Ceremony Wedding Insurance?

Before we get into the nitty gritty, it’s imperative to point out that your cover may vary depending on the provider and the package you take out. This is why it is essential to read the fine print before signing so that you’re sure on what you’ll be able to claim.

However, for the most part, wedding insurance for a civil ceremony will be much the same as cover for a traditional wedding. Let’s take a closer look at what cover you can expect.

  • If the venue needs to cancel because they are no longer in business, they’ve double booked, there’s been a flood or fire or for any other reason, your civil ceremony wedding insurance will cover these costs. Typical venues for civil ceremonies include castles, hotels, stately homes, restaurants and many more. It’s important to check that the kind of venue you’re having your ceremony or reception is covered in the policy.
  • In the event that a guest can no longer attend because of illness, death, the weather or other factors outside of their and your control, this will be covered in your civil ceremony wedding insurance.
  • Most wedding insurance packages for civil ceremonies will include some kind of public liability cover. This covers you if there is an accident at the wedding or damage to property. However, it is worth noting that not all policies will include this and some will require you to purchase an add-on.
  • If a supplier fails to deliver the goods then your civil ceremony wedding insurance will cover these costs. This might include things like transport not arriving, flowers turning up that are less than fresh, caterers not making an appearance and many other things. Again, it’s worth checking what’s included before you commit.
  • A lot of policies include cover for your photos and videos. In the event that these cannot be taken or processed because of a technical fault, your insurance will cover the cost of having them retaken at a later date.
  • A civil ceremony wedding insurance policy will cover stolen, lost or damaged goods. This might include wedding attire, wedding rings (but not engagement rings) gifts and other things. There will be certain clauses in your policy that dictate when the cover does not apply. For example, if an item were to be stolen from an unlocked vehicle, you would be considered at fault and you would not be able to make a claim.

Wedding Insurance Reviews – What Does Your Premium Cover?

Am I Covered For Travel Abroad?

Am I Covered For Travel Abroad

A lot of people choose to have their wedding abroad. We have a full guide on that topic here where you can find out all of the information you need.

However, as a note, your regular civil ceremony wedding insurance will likely cover all of the same things if you are getting married outside of the UK. What it won’t cover are the things that your travel insurance policy might.

This could be cancellation of flights, medical treatments while abroad and plenty of other things. There are some wedding insurance packages that you can buy that are specifically tailored to weddings abroad and these typically have more comprehensive cover so it’s worth looking at if you’re planning to take your ceremony out of the country.

Best Insurance For A Wedding Abroad


Having a civil ceremony is something that more and more couples are choosing to do. It’s slightly different from a traditional wedding in that there isn’t any religious context. But what’s shockingly similar is the cost of your big day.

Civil ceremonies can cost an eye watering amount of money and that’s not something you’re going to want to lose. For this reason, taking out wedding insurance for your civil ceremony is a wise idea. It’ll cover any financial losses, should they occur, and you won’t need to pay over the odds for your policy. It’s a win-win all round!

Wedding Insurance Cover – Reasons To Say “Yes” To Insurance