When it comes to planning a wedding, getting wedding insurance isn't the first step you're looking forward to. However, it should always be an important step! It offers invaluable protection against financial loss from unforeseen circumstances such as a venue cancellation, a no-show from a key supplier, or necessary last-minute rearrangements.

What is wedding insurance for?

Wedding insurance is for when the perfect day doesn't go quite to plan. Arranging a wedding is known to be an exciting yet super stressful experience, but it doesn't have to be! Wedding insurance gives couples complete peace of mind knowing if any sudden cancellations arise their payments can be covered.

Do you need wedding insurance?

Is it a legal requirement? No. But is it super risky without it? Yes.

Like insurance in general, it's always good to have in case of an emergency or worst-case scenario. When you’respending thousands of pounds on a wedding, typically, there's always a high risk of at least something going wrong. Therefore, if your nightmare becomes a reality, you can be covered for the expenses that didn't quite go to plan.

It's better to be safe than sorry, right?

What does wedding insurance cover?

Most typical wedding insurance can cover things such as; rearrangement, supplier failure, photography and videography, ceremonial clothing, wedding gifts, flowers & cake, weddings overseas and personal liability.

What isn’t covered by wedding insurance?

Sorry to break it to you, but if someone gets cold feet, it's gonna be a sad day not just for everyone at the ceremony butyour bank account too. Things like changing your mind about the venue, date or getting married, pre-existing health conditions, weather on the day and your honeymoon won't be covered by wedding insurance.

However, if you do seek extra insurance for your honeymoon, you can get your personal possessions covered with Arma Karma from £3.99 a month!

Can you get wedding insurance for an overseas wedding?

Of course! Wedding insurance caters to weddings abroad for residents in the UK, meaning you can have your dream wedding on the beautiful Amalfi Coast, just like on your Pinterest board!

How much is wedding insurance? 

Depending on the price of your wedding, wedding insurance can vary between a minimum of £20 to over £150. For more expensive weddings you're going to be looking at higher costs. The best thing to do is explore the options out there and decide what cover option is the right fit for you.

How to choose the best wedding insurance

When selecting wedding insurance, it’s important to choose a policy that aligns with your needs rather than hastily opting for the first option that comes your way. 

Begin by working out the total cost of your wedding, which will help you understand the amount of coverage necessary to protect your investment. Consider every detail, from the stunning floral arrangements to the venue, and even the entertainment.

You might also want to explore additional coverage options that could be beneficial, such as protection against unforeseen illnesses or personal liability coverage, ensuring that you’re truly prepared for any unexpected circumstances.

If you're uncertain about what's covered by a particular insurance policy, you can look through the insurer’s policy documents. This will give you a clearer understanding of the terms of coverage and help you make a well-informed decision.

Do I need personal liability insurance for my wedding?

Personal liability coverage is generally a standard feature of wedding insurance policies. This type of coverage not only protects the couple tying the knot but also extends to the guests who are fortunate enough to attend the celebration. Incorporating personal liability into your insurance plan is a wise choice, providing peace of mind and coverage against unforeseen events that could potentially arise on the big day.

When do I need to get wedding insurance?

The earliest/best time you can get wedding insurance is when you send your Save the Dates! This is the moment you’ve officially cemented your wedding plans and committed to one of the most significant expenses of your celebration! 

However, don’t worry if you haven't taken this step earlier; you can still get wedding insurance as late as just about a month before your big day. So, if you find yourself rushing through last-minute details, you can still ensure that your special day is protected and covered.

WAIT! Have you remembered your wedding rings?!