Guide to Wedding Day Insurance

Your wedding day should be the happiest day of your life. You may have made all the arrangements for your wedding or you could still be in the planning stages. Wherever you're up to, you will know just how costly a wedding can be and despite not being the top priority, most couples decide to take out a wedding day insurance policy for that added peace of mind.

It's easy to see why! The average wedding day costs between £5,000 and £10,000. What would you do if the reception you had planned has to be cancelled because the venue cannot honour your booking? What if the wedding dress gets damaged or the rings are lost? What happens when the wedding transport fails to turn up? Without wedding day insurance, nothing! With wedding day insurance, you at least have the financial back up to cover the costs.

How does wedding day insurance work?

Wedding day insurance is split into two types. The first type of wedding day insurance could save your big day. If something unexpected happens at the last minute, you will be able to amend your plans without having to worry about the cost. For example, if the caterers go out of business or the marquee is flooded, your wedding day insurance provider will step in and arrange suitable replacements.

The second type of wedding day insurance is less important and will cover possessions that cannot be replaced. If your wedding day photos are ruined there's little you can do about it. However, a financial payment might go a little way to making you feel better. Your wedding day insurance could provide this.

What does wedding day insurance not cover?

The bride or groom getting cold feet! Other than that wedding day insurance providers tend to offer a range of plans and add-ons to suit your particular wedding and its insurance needs. And if you need extra cover, your wedding day insurance provider should be able to tailor the policy to give you complete peace of mind.