Wedding Insurance Reviews – What Does Your Premium Cover?

What Does Your Wedding Insurance Premium Cover?

Getting ready for the day you finally say ‘I do’ is one of the most exciting things you’ll ever do. But there is a lot of planning involved and most people would spend, on average, around £30,000 on their big day.

That’s no small amount of money so if something went wrong and you lost all of it or even just a portion, the financial implications would be massive. This is why a lot of couples take out wedding insurance so that, in the event of something unexpected, they’re covered and won’t lose their investment.

It makes sense, right? But what you do need to be careful about is choosing the right level of cover for your needs. Most standard wedding insurance packages cover the same kinds of things but there are intricacies and differences between policies which means you must read the fine print.

Moreover, there are options to add extras onto your wedding insurance if there’s something special that isn’t yet covered.

If you’re not sure exactly what wedding insurance covers, then you’re in the right place. This guide simplifies everything you need to know and will tell you what’s included in your premium and what things you’ll need to add on.

What’s Included In A Standard Wedding Insurance Package?

Before we get into what your wedding insurance covers, it’s important to point out that you should shop around before settling on a package. While a lot of wedding insurance providers offer the same standard cover, there are some differences.

There’s very little point in taking out seriously comprehensive cover for a small wedding with fifty guests. Take the time to browse your options, ask questions and discover the best wedding insurance for you.

If you take out any standard package then you will find that the following things are generally included. Again, check the fine print as there may be slight variations.

Venue Cancellation

In some instances, a venue may have to unexpectedly cancel your booking. In a lot of cases, it may surprise you to learn that the venue double books itself and one of those bookings has to be moved; this could be yours!

Moreover, there are some things that are outside of anyone’s control. Things like floods and fires could render the venue unusable. There may be unexpected financial issues meaning that the venue can no longer remain open.

All of these things would mean you potentially losing your deposit, losing money on other things if you have to move the big or worse, losing everything you have already paid. But most standard wedding insurance packages will cover this cost. Look for something called cancellation cover in your insurance documents.

Guest Cancellation

Sadly, there may be instances where key guests can no longer attend. This might include the guest having an accident or becoming ill, or, in the worst cases, the guest may pass away. If the person that can no longer attend was part of the bridal party then you will likely have spent a good deal of money on them for the big day.

A standard package for wedding insurance will cover all of these things and many also cover if your guest is called up to the military or for jury service.

Sometimes, large numbers of guests may be unable to attend owing to factors such as the weather. If natural events like the weather mean that more than half of your guests can no longer attend, this will usually be covered in your premium.

Damaged Goods Or No-Show Suppliers

You will have hired a lot of different people to make your big day come together but if one of them lets you down this can be devastating both emotionally and financially. While your wedding insurance can’t undo the hurt you might feel should someone like a caterer just not turn up, it will cover any associated costs.

Moreover, if any of your suppliers bring you goods that are damaged such as a spoiled cake or dead flowers, your wedding insurance premium will cover the cost. Of course, each policy will vary on what they will and won’t cover so make sure you’re clear on this before you make any payments or sign any agreements.

As well as items being delivered damaged, your wedding insurance will normally also cover damaged, lost or stolen items. This could include wedding rings, flowers, cakes, outfits and gifts. Although pretty much every wedding insurance policy that we are familiar with will not cover the theft or loss of an engagement ring so be sure to insure this separately.

What About Special Items?

Some things are not included in your standard wedding insurance package and so you will have to add these on. It doesn’t cost much even with the maximum number of add ons, you still won’t pay more than a couple of hundred pounds for the whole insurance package. Here are some of the things you might add on.

Issues With Photography

Some wedding policies will have photo and video cover as standard but this isn’t something that you should expect across the board. However, it is something that you can usually add on and if you don’t want to risk losing the memory of your special day, it’s something we’d highly recommend.

This type of cover insures you in the event that there is a technical fault that doesn’t allow photos and videos to be taken. You’ll be able to rehire outfits and other things to have the photos taken at a later date.

However, you won’t be covered if the photographer simply isn’t up to expectations or if you’re just not happy with the pictures and videos.

Marquee Cover

A lot of people hire a marquee for their wedding but if there is any damage to it then you will be liable to pay for repairs or replacements. But there is an option to add marquee cover which will pay for any damage, should it occur.

Ceremonial Sword Cover

In some weddings, there may be the need for a ceremonial sword. For example, for those that have a military background. In this case, you’ll be aware that hiring these swords can cost an incredible amount of money not to mention, being weapons, there is a risk involved.

You can take out a special type of wedding insurance add-on to cover the use of the swords and protect them should they become lost, damaged or stolen.

Public Liability Cover

Not all wedding insurance packages include public liability insurance although some do. But in most cases, you will need to add this cover on and it’s something we highly recommend.

Public liability covers you in the event that a third person is injured at your wedding or if any of your guests causes damage to property.

This is something that all couples should consider but if you are having an outdoor wedding, fireworks, a big party or a wedding on land that doesn’t belong to you then it’s even more important.

I’m Getting Married Abroad – Does My Premium Cover This?

A lot of Brits choose to get married abroad and who can blame them? You’re pretty much guaranteed good weather in many locations which is not something that can be said when you stay at home to get married.

However, if you are heading out of the country, your standard wedding insurance package won’t cover this. There are certain insurance providers that specialise in travel wedding insurance and can tailor a package to suit your needs.

Never take out regular wedding insurance in the belief that it’ll cover your wedding on foreign soil. Some travel wedding insurers also offer other packages that cover items like wedding rings even after the big day.

Am I Covered Against Covid-19?

Since 2020, more weddings have been cancelled than any time in recent history. Why? Because of Covid-19. The problem is that wedding insurers were aware that offering cover during the pandemic would result in them having to make a lot of cancellation payouts so most of them didn’t offer cover at all.

While it is now possible to get wedding insurance, you likely won’t be covered should there be any problems that arise as a result of Coronavirus.

This may be something that changes in the future because, let’s face, our good friend Covid isn’t going anywhere. But for now, you’d be hard pushed to find wedding insurance that includes Covid cover.

Does My Wedding Insurance Cover Me If I’m Having An Asian Wedding?

Most standard wedding insurance packages in the United Kingdom do not include cover for an Asian wedding. This type of wedding requires a much more comprehensive type of cover and insurers cater to this specifically.

The reason these weddings are not covered in a standard package is that they often have much larger numbers of guests, go on for much longer and cost a lot more. Therefore, it makes sense that the premium would be higher. Surprisingly, insuring an Asian wedding doesn’t actually cost all that much more than a British wedding.

Conclusion

Taking out wedding insurance is one of the most sensible things you can do to protect your special day. But it’s super important to understand what your premium covers. Most standard wedding insurance packages cover things like venue cancellation, guest cancellation, damaged goods and suppliers that don’t show up. However, there are some things that don’t come under your regular insurance and you will need to take out additional cover if you want to be fully protected.

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