Planning a wedding is exciting and fun, but it involves many suppliers offering their services to make your day special. Meaning, they can be quite pricey!
But what happens if they fail to deliver the promised services? Would you end up spending a fortune and receiving nothing?
This is where wedding insurance can come in handy.
In this blog, we have included everything about UK wedding insurance and why you should consider getting one. This is one of the most important elements in your planning process, so you should certainly not ignore it!
What Is Wedding Insurance?
Wedding insurance protects you from losing money if something goes wrong before or during your wedding day. It is not mandatory, but it offers financial security against issues with the venue, suppliers, or if someone important falls sick.
If something goes wrong, the right insurance can help cover the costs, like rescheduling or lost deposits. You do not want your dreamy wedding to go south by losing money without getting the services you counted on. So, protecting your investment is something you must consider!
Do I Need Wedding Insurance?
If you are feeling optimistic or just do not want to have additional costs, it might be tempting to skip getting wedding insurance. However, it is a smart move to think about it. Wedding insurance can save you a lot of money if something goes wrong.
Even though it might feel like an extra expense, the right insurance can really give you peace of mind. Considering the average wedding in the UK costs around £20,700, you should definitely look into getting a policy.
If you are planning a small wedding and have good agreements with your venue and suppliers that allow you to postpone or cancel without losing much money, you might not need insurance. This is when you can surely skip it and save some money. Also, if you think you can manage any changes on your own, that could work too.
But in most situations, we generally suggest having at least some basic coverage, especially when you book services months in advance. You never know what can happen, so it is better to be safe than sorry.
What Does Wedding Insurance Cover?
Every wedding insurance policy is different, so thoroughly reading the details before committing is a good idea.
Also, you should remember that wedding insurance will not cover you if you cancel or delay your big day for reasons that are not included in the policy. So, the coverage goes both ways, meaning you are also responsible if the cancellations are on your request.
Whichever insurance company you choose, you should bear in mind that they have their own policies, and you should always read the contracts and offers thoroughly.
Generally, many of the best UK wedding insurance policies cover the following:
Venue Cancelation
Coverage for venue cancellation typically includes situations like natural disasters, fire, or financial issues at the venue that prevent them from holding your reservation. This usually falls under ‘cancellation cover’ in your insurance documents. This is one of the most important parts of your insurance because venues are often the priciest features in your bridal budget.
Extreme Weather
If 50% or more of your guests cannot make it to the wedding due to severe weather, you should be covered. Just be sure to check the fine print, as policies can vary. This is a very practical insurance feature, especially if you are planning a wedding that is away from the city, and your guests need some kind of transportation to reach the venue.
Illness, Accident, or Death
This coverage kicks in if any key figures in your wedding party or close family members face serious health issues, as long as it is not related to a pre-existing condition. It also includes accidents, death, or unexpected jury duty or military deployment for those individuals.
Lost, Stolen, or Damaged Items
You will want to confirm that your wedding rings, cake, flowers, attire, and gifts are included in your coverage. Pay attention to any limitations in your policy. For instance, gifts left unattended might not be covered! Remember that weddings are exciting but chaotic times for couples, so you will not have the time to think whether someone is looking over valuable items.
Supplier No-Show or Damaged Goods
If one of your suppliers does not show up or delivers damaged items, you should have coverage. Make sure to get a written agreement with your supplier, as this will be essential for your claim! You will also need to verify which suppliers are covered in your specific policy, as not all policies are created equal.
Personal Liability and Legal Action
If there is any damage to the venue or a guest is injured during the event, you should be covered. However, if a guest caused the accident, you will not be covered. Legal fees for the couple in case of court issues related to an injury or death at the wedding will also typically be included in your policy. These might seem extreme circumstances, but you should be prepared.
Frequently Asked Questions
1. How much does wedding insurance cost?
Wedding insurance costs in the UK can vary significantly, with basic policies starting from around £30 and potentially reaching £500 for comprehensive coverage.
2. When should you buy your wedding insurance?
Getting your wedding insurance as soon as possible is a good idea. The earlier you book it, the sooner you will be protected, and it will not cost you any extra to do it now. You can even buy coverage up to two years in advance, which is great because it can protect you if something happens, like a venue closing or a family member getting sick, well before your big day.
3. Does wedding insurance also cover honeymoons?
Wedding insurance will not cover your honeymoon, so you will need travel insurance.
Getting wedding insurance is not essential, but we strongly recommend it. At Big Day Productions, we always advise our clients to go for coverage to ensure protection.
If you are interested in our UK wedding photography services, please feel free to get in touch with us.
