Table of Contents
Wedinsure Wedding Insurance
Pros
- Eight levels of cancellation cover
- Best Wedding Insurance Provider 2019
- Nil Excess on Cancellation
- £2m Personal Liability for the Wedding Couple and their Guests
Cons
- Marquee and Ceremonial Sword Extra
- Pandemic or epidemic (e.g. Covid-19) not covered
Wedinsure Review – Wedding Insurance
Wedinsure Insurance provide 8 levels of cover to cater for weddings starting from £5,000 up to £50,000, and with prices starting from as little as £50, it’s a small price to pay for added peace of mind and financial protection. Please note that all prices listed below include insurance premium tax (IPT).
Wedinsure Wedding Insurance is one of the larger dedicated wedding insurance providers and offers eight levels of cover. This is good as you will, no doubt, find a policy that fits your wedding requirements without having to pay for unnecessary options and cover that you simply don’t need. How much will it cost? Well, that depends on how much you are planning to spend on your wedding in total. Remember, wedding insurance is a single one-off payment and is a simple and cost effective way to protect your wedding.
Another beneficial feature with Wedinsure policies is the absence of excesses on the main sections of cover including cancellation, curtailment, rearrangement and failure of suppliers… oh, and also personal accident. You would think this is standard across most wedding insurance providers, however this is not the case – well done Wedinsure!
Wedinsure will also cover your overseas wedding at no additional fee*. If you are having a marquee or ceremonial sword this will cost extra, but this is the same for all insurance providers.
What about personal liability cover? Wedinsure Wedding Insurance have this covered with £2 million of cover not just for the wedding couple but also their guest.
Wedinsure allow you to take out their wedding insurance up to two years before the wedding date. Why is this important? Well, this means that you can protect your wedding as soon as you start the planning, protecting your deposits and any part payments.
If you have already paid deposits – don’t worry! Wedinsure will cover any payments made prior to purchasing the insurance. You also have 14 days to cancel your policy starting on the day you receive your policy documents, should you decide not to proceed with the insurance policy from Wedinsure.
Wedinsure’s policies also cover civil ceremonies and receptions as standard. Remember, for both weddings and civil ceremonies only one ceremony and reception is covered and must be specified when you purchase the insurance.
To read full details of Wedinsure’s policy documents please click on the links below.
Applies to all policies purchased on or after 25/05/2018.
What is insured?
- Nil excess on key sections of cover for cancellation & rearrangement
- £2m Personal Liability cover for wedding participants included as standard
- Cancellation/rearrangement due to illness, injury or death of the wedding participants or a close relative
- Cover for cancellation and rearrangement due to adverse weather and natural catastrophe
- Loss, theft or damage of key items such as ceremonial attire, wedding gifts, rings, flowers and cake
- Optional cover available for marquees, ceremonial swords and public liability
Optional cover, if purchased, includes:
- Marquee extension
- Ceremonial swords extension
- Public liability extension
What is not insured?
- Any claims or losses arising directly or indirectly from any pandemic or epidemic (e.g. Covid-19)
- The excess as detailed in your policy schedule
- Events or circumstances of which you were aware or that were in the public domain at the time of buying this policy that make a loss or claim inevitable
- Any claims for lost deposits or payments made more than 30 days before the purchase of this policy
- You or a close relative acting against medical advice at any time during the period of insurance
- You or a close relative suffering any medical condition on or before the commencement date for which they have received treatment or advice in the 12 months prior to that date or for which they are awaiting results of tests or medical investigations
- You or a close relative suffering a medical condition on or in the 12 months prior to the commencement date for which they are on a hospital waiting list for treatment
- You or a close relative having a medical condition on the commencement date for which they have received a terminal prognosis
- You or a close relative suffering at any time anxiety, stress or depression (unless admitted as an in-patient at a hospital)
- You or a close relative committing or attempting to commit suicide or injuring themselves intentionally
- Any event occurring outside the period of insurance
- Losses recoverable from any other sources
- Any deliberate, wilful, criminal or malicious actions by persons invited by you to the wedding or wedding reception
- This policy does not offer cover your disinclination to go through with the marriage as agreed or your failure to comply with any legal requirements or to obtain the relevant legal documentation
- Any claim arising directly or indirectly from failure to notify the provider of any goods or service immediately if it is found necessary to cancel or curtail the wedding or wedding reception
- Any claim arising directly or indirectly from government regulation, government act, change of law or general government guidance and advice
- Any loss occurring as the result of the wedding services supplier becoming bankrupt, put into liquidation, ceasing to trade or going into administration within 90 days of the purchase of the policy
- Alcoholism, the excessive use of intoxicating drink or drugs (other than drugs taken in accordance with treatment prescribed and directed by a medical practitioner, but not for drug addiction)
Wedinsure Promotional Codes and Voucher Codes:
Occasionally Wedinsure Insurance offer promotional codes and vouchers. If available the code will be displayed on this site and can be entered in the box shown below on the Wedinsure website.
There are currently no Wedinsure Promotional Codes available.
Summary of Wedinsure Levels of Wedding Cover
Wedinsure Cover limits and excess
| Cover | Tier 1 | Tier 2 | Tier 3 | Tier 4 | Tier 5 | Tier 6 | Tier 7 | Tier 8 | Excess | |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Cancellation, Curtailment & Rearrangment | £5,000 | £10,000 | £15,000 | £20,000 | £25,000 | £30,000 | £4,000 | £50,000 | Nil |
| 2 | Financial Failure of Wedding Services Suppliers | £1,000 | £2,000 | £3,000 | £4,000 | £5,000 | £6,000 | £8,000 | £10,000 | £100 |
| 3 | Ceremonial & Bridal Attire | £500 | £1,000 | £1,500 | £2,000 | £2,500 | £3,000 | £4,000 | £5,000 | £100 |
| 4 | Photography & Video | £500 | £1,000 | £1,500 | £2,000 | £2,500 | £3,000 | £4,000 | £5,000 | £100 |
| 5 | Wedding Rings, Flowers, Attendant’s Gifts | £500 | £1,000 | £1,500 | £2,000 | £2,500 | £3,000 | £4,000 | £5,000 | £100 |
| 6 | Wedding Cars and Transport | £500 | £1,000 | £1,500 | £2,000 | £2,500 | £3,000 | £4,000 | £5,000 | £100 |
| 7 | Wedding Gifts | £500 | £1,000 | £1,500 | £2,000 | £2,500 | £3,000 | £4,000 | £5,000 | £100 |
| 8 | Personal Liability | £2million | £2million | £2million | £2million | £2million | £2million | £2million | £2million | £250 |
| 9 | Optional Public Liability | £2million | £2million | £2million | £2million | £2million | £2million | £2million | £2million | £250 |
| 10 | Optional Marquee Extension | Up to £75,000 | Up to £75,001 | Up to £75,002 | Up to £75,003 | Up to £75,004 | Up to £75,005 | Up to £75,006 | Up to £75,007 | £250 |
| 11 | Optional Ceremonial Swords Extension | Up to £20,000 | Up to £20,001 | Up to £20,002 | Up to £20,003 | Up to £20,004 | Up to £20,005 | Up to £20,006 | Up to £20,007 | £250 |
Conclusion
In summary, the Wedinsure Wedding Insurance has many satisfied customers. Their feedback scores highly in terms of good value, easy to apply, professional and pleasant customer service.
