What Does Wedding Insurance Cover and Why Do You Need It for Your Big Day?

Your golden ticket

Your wedding day is one of the most memorable and significant events in your life, but with so many moving parts, it’s also an investment that needs protection. That’s where wedding insurance comes in—providing financial security when the unexpected happens, so surprises along the way don’t turn into costly disasters!

vendor wedding insurance
Chateau Rigaud, Jonny Scott

Whether it’s a wedding vendor going bust, a lost wedding ring, or an unforeseen disaster, wedding insurance can help save you both stress and financial loss. In this guide, we’ll dive into what wedding insurance covers, its cost, and why it’s an essential part of your wedding planning checklist. Along the way, we’ll share real-life stories to illustrate the peace of mind it can provide and highlight how Wedinsure offers tailored solutions to protect your big day. 

Let’s dive in!

What Does Wedding Insurance Cover and What Doesn’t It Cover?

vendor wedding isnurance
Domaine d’Egenia

Wedding insurance steps in when things don’t go as planned. Here’s what you can typically expect to be covered:

  • Vendor Issues: If your florist goes out of business or your photographer fails to show up on the big day, wedding insurance can help cover the cost of replacements or reimburse you for lost deposits.
  • Cancellations or Postponements: If an unavoidable event, such as a family illness, injury, or severe weather, forces you to postpone, wedding cancellation insurance can help ease the financial burden.
  • Lost or Stolen Items: From misplaced wedding rings to stolen ceremonial attire, insurance can cover replacements.
  • Property Damage: Let’s say Uncle John gets a bit too enthusiastic with sparklers and sets the venue curtains on fire—your wedding insurance can help cover the damage costs.

However, wedding insurance does have its limits. Here are a few things that are generally not covered:

  • Change of Heart: If one of you decides not to go through with the wedding, insurance won’t cover that.
  • Pre-Existing Conditions: Any illnesses or injuries you knew about before taking out the policy aren’t usually covered.
  • Marriage License Delays: If you’re unable to secure your marriage license on time, insurance won’t help.
  • Pandemics: Unless you add optional coverage, cancellations due to pandemics like COVID-19 are often not included.

Why Reading the Fine Print Matters for Wedding Insurance

Not all wedding insurance policies are the same. Take the time to carefully read the fine print to understand exactly what’s included and excluded in your coverage. Knowing the details can save you from surprises later and help you choose the policy that best fits your needs.

By knowing what’s covered and what isn’t, you can plan your big day with more confidence—and a little less stress.

How Much Does Wedding Insurance Cost and Is It Worth It?

wedding insurance
Chateau Bonneval: Kristen-Ali and Anneli Marinovich

Wedding insurance is a small price to pay for the peace of mind it provides. On average, wedding insurance costs anywhere from £38.99 to £500+, depending on the level of coverage you choose and the specifics of your big day. Costs can vary based on the size of your wedding, the location, and any additional options you select (like destination wedding coverage, marquee insurance, or COVID-19 protection). 

For many couples, choosing affordable wedding insurance is well worth the investment. While it’s easy to overlook, the cost of wedding insurance is a drop in the ocean compared to the amount you’re investing in your wedding day. The good news is, you don’t need to spend a fortune to get excellent protection.

Wedinsure: Affordable Wedding Insurance

grand chateau wedding south france
Chateau Bonneval: Kristen-Ali and Anneli Marinovich

Wedinsure stands out as an affordable wedding insurance option. Prices start at just £38.99, with coverage levels ranging from £6,000 to £100,000. This flexibility makes it easy for you to select the right coverage for your wedding without blowing your budget. Here’s a look at some of the key benefits of choosing Wedinsure:

  • 10 Levels of Coverage: Wedinsure offers 10 different levels of coverage, starting from £6,000 and going up to £100,000, allowing you to choose the right amount of protection for your specific needs. Explore WedInsure’s different insurance tiers here.
  • Loss, Theft, or Damage of Wedding Items: Whether it’s your wedding rings, gifts, flowers, or even your wedding cake, Wedinsure has you covered in case of any loss, theft, or damage to key items.
  • Overseas Weddings: Wedinsure also offers specialised cover for overseas weddings, including an add-on for extra protection against travel-related risks. 
  • £2m Personal Liability: This provides protection in case of accidents or injuries during your wedding, plus the option to extend it to cover guests for an additional premium.
  • COVID-19 Coverage: Optional wedding cancellation insurance if you need to postpone or cancel due to a confirmed COVID-19 diagnosis. 

Can I Get Insurance for Lost or Stolen Wedding Rings?

wedding ring insurance
Chateau Bonneval: Kristen-Ali and Anneli Marinovich

Your wedding rings are priceless symbols of your love and commitment, but they can also be expensive and irreplaceable. So, what happens if they get lost, stolen, or damaged? With wedding insurance, you can have peace of mind knowing you’re protected.

With Wedinsure, coverage for lost, stolen, or damaged wedding rings is included as standard in your policy—no need to add it on separately. Whether at your ceremony or reception, you’re protected against the unexpected.

Protect Your Wedding Rings with Wedinsure

Here’s how it works with Wedinsure:

  • Coverage for Wedding Rings: If your wedding rings are lost, stolen, or damaged, you can file a claim to replace them or receive compensation.
  • Simple Claim Process: To make a claim, fill out a claim form and provide supporting documentation, such as receipts for the rings or a police report if they were stolen.
  • Prompt Claims Handling: Wedinsure’s experienced claims handlers will assess your claim and work to resolve it as quickly as possible, so you’re not left without your valuable items for long.

For Chateau Bee’s founders, Ingrid and James, having wedding ring insurance could have spared them a lot of stress!

A Groom’s Nightmare: James Loses the Rings

wedding ring insurance
James and Ingrid’s Wedding Rings

The day before their wedding, James realised the rings were missing. Certain he’d left them on the bedside table, he searched everywhere—the bedroom, the car, and even the wedding venue—without success. Too embarrassed to tell anyone, he quietly panicked, hoping to solve the problem before anyone noticed.

Eventually, James confided in his mum, who helped organise a search. When Ingrid arrived, James confessed, fearing the worst. She laughed in relief to his surprise and said, “Oh, thank goodness! I thought you were calling off the wedding. The rings don’t matter—I just want to marry you.”

That evening, relief came when Ingrid’s mum revealed she had moved the rings to a “safe place” and forgotten to mention it. What started as a nightmare turned into a heartwarming story everyone laughed about for years to come.

Although Ingrid and James’s story ended on a happy note, not every couple is so lucky! With wedding insurance, you can ensure that unexpected mishaps don’t overshadow your big day. It’s the peace of mind you deserve, letting you focus on what truly matters—celebrating your love surrounded by friends and family.

wedding ring insurance
James and Ingrid’s Wedding

Why Wedding Insurance is Essential and How Wedinsure Can Help

wedding insurance
Chateau Rigaud

Your wedding day is one of the most important moments of your life, and investing in wedding insurance ensures it’s protected from life’s unpredictable twists. Whether it’s a vendor issue, a lost wedding ring, or something else that could threaten your celebration, wedding insurance provides the safety net you need to handle the unexpected with ease.

Choosing to protect your wedding with Wedinsure isn’t just about financial security—it’s about peace of mind. With affordable options, customisable policies, and excellent customer support, Wedinsure is a trusted partner for your wedding insurance needs. In fact, Wedinsure was recently named Best Wedding Insurance Provider 2024 in the Insurance Choice Awards, so you can rest assured you’re in good hands.

Don’t leave your big day to chance. Get started with WedInsure and secure peace of mind for your wedding!

What Does Wedding Insurance Cover and Why Do You Need It for Your Big Day? by Bella Dean