Dare To Dream Bigger By Insuring Your Wedding!
Weddings are full of precious memories, but they also come with a lot of big expenses. All that planning and dreaming can get put at risk by unexpected events, such as a key supplier going out of business or the wedding car not turning up.
That's where our wedding insurance comes in. We know weddings in the UK come in all different forms, so our coverage is just as diverse. For example, our policies can cover up to two ceremonies and two receptions within an eight-week period.
Whether you're planning a small, intimate ceremony or a grand, multi-day celebration, we've got you covered so you can focus on what really matters - enjoying your special day.
Choose from 9 policy types to start
We offer nine policies with increasing levels of cover, from Topaz for smaller weddings, up to Diamond which provides our greatest amount of cover. To get started simply choose which cover level meets your needs and then enhance it with our Optional Benefits – read on for more details.
All our wedding insurance policies include the following cover:
- Cancellation, Curtailment & Rearrangement
- Financial Failure Of Suppliers
- Professional Counselling
- Wedding Rings, Flowers, & Cake
- Wedding Attire
- Wedding Stationery
- Wedding Gifts
- Cars & Transport
- Wedding Photography & Video
- Public Liability
- Personal Accident
What Additional Optional Benefits Can I Add?
Our Optional Benefits allow you to add the following to your wedding insurance policy:
- Marquee Cover
- Ceremonial Swords
- Extended Cancellation Cover
- Extended Public Liability
- Public Liability for Guests
For further details simply read on or get a free no-strings quote and find out if you could be better off insuring your UK wedding with The Insurance Emporium.
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Our Range of Cover Levels
Check out our easy-to-read Table of Benefits below to see which level of cover will give you the protection you need.
- Cancellation and Curtailment i
- Rearrangement i
- Financial Failure of Suppliers i
- Professional Counselling i
- Wedding Rings, Flowers & Cake i
- Wedding Attire i
- Wedding Stationery i
- Wedding Gifts i
- Vouchers i
- Cars & Transport i
- Wedding Photography & Video i
- Public Liability i
- Personal Accident i
- £5,000
- £3,750 (inner limit)
- £2,500
- £1,000
- £1,250
- £1,250
- £250
- £1,250
- £100 (inner limit)
- £500
- £500
- £3 million
- £8,000
- £10,000
- £7,500 (inner limit)
- £5,000
- £1,000
- £2,500
- £2,500
- £500
- £2,500
- £250 (inner limit)
- £1,000
- £1,000
- £3 million
- £10,000
- £15,000
- £11,250 (inner limit)
- £7,500
- £1,000
- £3,000
- £3,000
- £750
- £3,000
- £300 (inner limit)
- £1,500
- £1,500
- £3 million
- £11,000
- £20,000
- £15,000 (inner limit)
- £10,000
- £1,000
- £5,000
- £5,000
- £1,000
- £5,000
- £500 (inner limit)
- £2,000
- £2,000
- £3 million
- £12,000
- £25,000
- £18,750 (inner limit)
- £12,500
- £1,000
- £6,000
- £6,000
- £1,250
- £6,000
- £550 (inner limit)
- £2,500
- £2,500
- £3 million
- £13,000
- £30,000
- £22,500 (inner limit)
- £15,000
- £1,000
- £7,500
- £7,500
- £1,500
- £7,500
- £600 (inner limit)
- £3,000
- £3,000
- £3 million
- £14,000
- £35,000
- £26,250 (inner limit)
- £17,500
- £1,000
- £8,000
- £8,000
- £1,750
- £8,000
- £650 (inner limit)
- £3,500
- £3,500
- £3 million
- £15,000
- £40,000
- £30,000 (inner limit)
- £20,000
- £1,000
- £10,000
- £10,000
- £2,000
- £10,000
- £700 (inner limit)
- £4,000
- £4,000
- £3 million
- £17,000
- £50,000
- £37,500 (inner limit)
- £25,000
- £1,000
- £12,500
- £12,500
- £2,500
- £12,500
- £750 (inner limit)
- £5,000
- £5,000
- £3 million
- £20,000
- Marquee Cover i
- Ceremonial Swords i
- Extended Cancellation Cover i
- Extended Public Liability i
-
Public Liability For Guests i
- £75,000
- £20,000
- £25,000 (only available on the Diamond level of cover)
- £5 million
-
a) £1 millionb) £3 millionc) £5 million
Cancellation or curtailment of the wedding or reception.
Rearrangement of the wedding or reception following cancellation.
Irrecoverable deposits following supplier financial failure.
Counselling costs where cancellation is due to the death of the marrying partner.
Your rings, wedding flowers, or cake is lost, stolen, or accidentally damaged.
Your wedding attire is lost, stolen, or accidentally damaged.
Your wedding stationery is lost, stolen, or accidentally damaged.
Your wedding gifts are lost, stolen, or accidentally damaged.
Your tickets or vouchers are lost, stolen, or accidentally damaged.
Alternative transport costs following non-appearance, breakdown, or road traffic accident.
Retaking of wedding photos or video.
Your legal liability to others for compensation and costs arising from the actions of the marrying couple at the wedding or reception.
Accidental bodily injury sustained between 24 hours before and 24 hours after the wedding date.
Irrecoverable expenses if the wedding is cancelled or curtailed due to loss or damage to the marquee and/or loss or damage to the marquee.
Loss or damage of ceremonial swords and accompanying regalia.
Extended cancellation cover.
Extended public liability cover.
Your legal liability to others for compensation and costs arising from the actions of your guests at the wedding or reception.
Costs of travel, accommodation and fees if you have to pay to produce replacement essential documents necessary to your wedding overseas.
Irrecoverable deposits for services which must be cancelled or £25 for 12 hours then £30 every 12 hours thereafter or reasonable cost of alternative travel in the event of breakdown or involvement in an accident.
- Policy Wording
- Security Requirements
- Topaz Product Information
- Amethyst Product Information
- Pearl Product Information
- Aquamarine Product Information
- Opal Product Information
- Ruby Product Information
- Sapphire Product Information
- Emerald Product Information
- Diamond Product Information
Why Insure Your UK Wedding With Us
Read The Not Small Print
We dislike jargon and we like to be upfront and clear with customers, but occasionally there are words that we need to use so we've put them in this helpful box of not small print!
£22.00 is based on a UK Wedding with the Topaz level of cover with no Optional Benefits selected.
£159.00 is based on a UK Wedding with the Diamond level of cover with no Optional Benefits selected.
What does wedding insurance excess mean?
An excess is the part you pay towards a claim.
How does wedding insurance excess work?
With our wedding insurance policies, there are 10 Standard Benefits where you need to pay an excess:
- Professional Counselling
- Financial Failure of Suppliers
- Wedding Rings, Flowers and Cake
- Wedding Attire
- Wedding Stationery
- Wedding Gifts
- Cars And Transport
- Wedding Photography and Video
- Public Liability
- Personal Accident
For example, if your wedding car doesn’t turn up, we will deduct the excess off the money we pay you towards the cost of alternative transport.
There is no excess payable for claims under the following Standard Benefit:
- Cancellation, Curtailment and Rearrangement
There are four Optional Benefits you can add to your policy, each requiring you to pay an excess:
- Extended Public Liability
- Public Liability for Guests
- Ceremonial Swords
- Marquee Cover
There is no excess payable for claims under the following Optional Benefit:
- Extended Cancellation Cover (Only available on the Diamond level of cover)
If you have a wedding insurance policy with us, you can view your excess amounts within your Policy Schedule.
Who is able to purchase the wedding insurance policy?
Our wedding insurance policies can be taken out by anyone as long as the policyholder, and at least one of the marrying partners, are over 18 and permanent residents of the UK, Channel Islands, or Isle of Man.
When should we take out wedding insurance?
You can take out wedding insurance as soon as you make any bookings or pay any deposits towards your wedding. Insurance can be taken out up to 2 years prior to the wedding or up to 10 days before the big day.
Does the wedding venue need to be booked before I take out wedding insurance?
Although you must provide the dates for the ceremony/reception when you take out the policy, if you do not know the venue/address you can still purchase the insurance policy. However, you must inform us of the venue/address as soon as it has been booked to ensure your policy is kept up to date.
I have already paid a deposit for my wedding. If I now take out your wedding policy, will this deposit be covered?
Yes, we cover costs for deposits paid before the policy starts. However, the policy will not cover any claims for bankruptcy, liquidation or failure to meet contractual obligations of any supplier that occur either before the policy start date/time or within the first 14 days of the policy start date/time.
What happens if we are let down by a supplier, but not because they’ve gone into financial failure?
The policy only provides cover in specified situations. Unfortunately, a supplier letting you down would not be covered under the policy.
Will my wedding be covered if it is in a marquee?
If you wish the marquee to be insured, you will need to select the Optional Benefit 'Marquee Cover'. This offers cover for marquees up to £75,000 and includes the items within the marquee such as staging, chairs, tables, lighting, flooring, toilets and ancillary equipment.
We are having a wedding with ceremonial swords, does your policy cover this?
If you wish the ceremonial swords to be insured, you will need to select the Optional Benefit 'Ceremonial Swords'. This offers cover for ceremonial swords up to the value of £20,000.
I hold a British passport and currently live overseas. I will be travelling back to the UK for my wedding, am I able to take out an insurance policy with you?
The policyholder and both the marrying partners must be a permanent resident living in the UK. The policyholder can be living in the UK on a visa. To be a permanent resident, the policyholder's main residence must be in the UK and they must not have been abroad for more than a total of 6 months in the last year.
We are planning to hold the ceremony and reception on different days, will this be covered by your policy?
Yes, the policy can cover ceremony and receptions held up to 56 days apart.
We are having two ceremonies/two receptions, will this be covered by your policy?
Yes, the policy can cover up to two ceremonies and two receptions.
Does the wedding insurance policy also include cover for my honeymoon?
No, you will need to purchase a separate travel insurance policy.
Would your policy cover a situation in which my partner, a member of the armed forces, is posted overseas?
The cancellation and rearrangement section of the policy includes cover for the unforeseen posting overseas of a member of the UK armed forces or unavoidable and necessary duty for the Ambulance Service, Coastguard, Fire Brigade, Police or nursing personnel which prevents either partner from attending the wedding.
What should we do if we have to cancel our wedding due to a change of heart? Would we be covered?
If you decide to cancel your wedding due to a change of heart you should inform both your venue/reception and any suppliers. Please note that cancellation due to a change of heart is not covered under the policy.
Will I be covered if my wedding or reception is affected by Covid 19 or something similar?
Our wedding policies are designed to provide cover for the usual ups and downs of getting married, so we don't cover any claims where Covid 19 affects the wedding or reception.
What happens if we have to cancel or rearrange our wedding due to the illness or death of one of the wedding party members, but this was caused by an illness that was present before the policy start date?
Unfortunately, this situation is not covered under the policy. If a member of your wedding party has a pre-existing condition that leads to death, injury, or illness, and it makes continuing with the wedding impossible, the policy won't cover it.
Will gifts of money and vouchers be covered under the Wedding Gifts section on the policy?
Unfortunately, we do not cover gifts of money or cheques, however, we do cover vouchers and tickets to a separate, smaller, limit.
Will I need to pay an excess?
There is no excess to pay for Cancellation and Curtailment or Rearrangement. You will need to pay £250 excess for Public Liability claims and £50 excess for all other Standard Benefits.
If you choose to purchase the Marquee Cover, Ceremonial Swords, Extended Public Liability or Public Liability for Guests as Optional Benefits, you will need to pay £250 excess.
There is no excess to pay on the Extended Cancellation Cover Optional Benefit (only available on the Diamond level of cover).
What are Optional Benefits and do they apply to my wedding policy?
Optional Benefits are sections of cover that you can select if you wish to.
Optional Benefits applicable to our UK wedding insurance policy are:
- Marquee Cover
- Ceremonial Swords
- Extended Cancellation Cover
- Extended Public Liability
- Public Liability for Guests
My venue has stated that I must have public liability insurance, does your policy include this?
Yes, our policies include Public Liability cover for the marrying partners for up to £3 million. If chosen, the Extended Public Liability Optional Benefit can increase this up to £5million. Cover may also be extended to guests by choosing the Public Liability for Guests Optional Benefit, with choices of £1 million, £3 million or £5 million.
