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Wedding Insurance

Wedding insurance is a specialist type of insurance and policies vary, so it is best to check with your insurer if you have concerns. Wedding insurance covers events outside the couple’s control but does not provide cover for people who decide they no longer want to get married or enter into a civil partnership.

Providers Suspending Cover

  • People who already have a wedding insurance policy will not be affected. Given the evolving nature of Coronavirus and regular changes to public health guidance, insurers are constantly reviewing the situation. If people are looking to buy wedding insurance, they will need to shop around and possibly check with a broker.

Cancellation

  • If the venue cancels the wedding, the marrying couple may be covered as this decision is outside of their control. 
  • If there is a supplier failure - either as a result of that supplier going bankrupt or failing to provide a service on time (such as a wedding dress or flowers not arriving) - you will most likely be covered either under your insurance policy or potentially by your credit card if you used it to buy the item.

Cancellation cover due to illness, injury or death

  • Most insurance policies will cover this as long as the death, illness or accident wasn’t as a result of a pre-existing condition or due to reckless behaviour. Who this covers in the wedding party will be dependent on the policy you take out, so check the terms and conditions. If you are unsure you can check with your insurer.

Guests attending weddings abroad

  • Wedding guests would - in normal circumstances - need to book their own travel insurance policy to cover them.
  • The FCO has now advised against all non-essential travel for the next 30 days. This means that travel insurance will now cover the cancellation of all trips booked to take place during this time period.