Wedding insurance questions and answers

Every Wedprotect policy includes cover for:

• Cancellation, curtailment and rearrangement
• Financial failure of wedding suppliers
• Ceremonial attire
• Photography and video
• Rings, flowers, attendants' gifts and wedding cake
• Wedding cars and transport
• Wedding gifts
• Personal liability

You can also choose to add Public Liability, Marquee Cover and Honeymoon Cover for an additional premium. Cover is subject to the limits, terms, conditions and exclusions of your policy.

No. Cover for the financial failure of wedding suppliers starts 45 days after you purchase your policy.

This means there is no cover if a wedding supplier financially fails during the first 45 days of your policy. We recommend buying your wedding insurance as early as possible so you can benefit from this cover sooner.

No. Wedprotect covers your wedding rings, but engagement rings are not covered.

Your wedding rings are covered against loss or damage from 3 days before the wedding ceremony until 24 hours after the ceremony, subject to the terms and conditions of your policy.

If your photographer or videographer has provided their services but your photos or videos can't subsequently be delivered, Wedprotect can cover the irrecoverable amount you've paid or are contracted to pay if this is due to:

• The death of your contracted photographer or videographer before your photos or videos are delivered
• Loss, theft or damage to the media containing your images before copies have been made
• Sudden and unforeseen failure of photographic or recording equipment
• Corruption or malfunction of the recording media, provided reasonable precautions were taken

Cover continues until your photos or videos are delivered, or 90 days after the later of your ceremony or reception date, whichever happens first.

We don't cover dissatisfaction with the quality, style, editing or content of photographs or videos that have been produced and delivered. Financial failure of a photographer or videographer is covered separately under the Financial Failure section.

Yes. Non-cash wedding gifts given to the marrying couple are covered against loss, theft or accidental damage from 3 days before the ceremony until 24 hours after, up to £250 per individual gift and the overall limit shown in your policy schedule.

Cash and vouchers aren't covered, and you must take reasonable precautions to keep wedding gifts safe and secure.

Adverse weather can be covered if:

• It results in the official closure of public transport services or road networks; or
• A formal prohibition on travel is issued by a relevant authority;

and, as a result, you or at least 50% of your guests are unable to reach the wedding venue.

We can't cover weather-related claims if, when you purchased your policy, a named storm, severe weather warning or official advisory affecting the location of your ceremony or reception had already been publicly announced.

Yes. Deposits and payments you've already made before buying your Wedprotect policy will be covered if an insured event later affects your wedding. All eligible irrecoverable deposits and payments you've already made will be included in your claim, up to the applicable policy limit.

As with all claims, the terms, conditions and exclusions of the policy apply.

If a close relative becomes seriously ill or passes away and this makes cancellation, curtailment or rearrangement of your wedding unavoidable, you may be able to claim. In the case of serious illness, a medical practitioner will need to confirm in writing that the person is medically unfit to attend or participate in the wedding.

Two important conditions:

• Claims relating to the death of a close relative aren't covered if the death occurs more than 2 months before the wedding
• Certain pre-existing medical conditions are excluded (see “Will my pre-existing medical conditions affect cover?”)

Pregnancy itself isn't a reason for cancellation under the policy. We do cover serious complications of pregnancy or childbirth that make it necessary to cancel, curtail or rearrange your wedding — but only where the expected date of delivery is at least five months after the ceremony date.

If your expected date of delivery is less than five months after the ceremony date, pregnancy or childbirth-related claims aren't covered.

That's fine — provided the reception takes place within 30 days of the ceremony, before or after. One policy covers a single ceremony plus a single reception, even on different dates.

No. One Wedprotect policy covers a maximum of one ceremony and one reception, with the reception taking place within 30 days before or after the ceremony.

If you're having additional ceremonies or receptions — such as a separate religious or cultural ceremony — you'll need a separate policy for each additional ceremony or reception.

War, invasion, rebellion and civil unrest aren't covered by the policy.

However, there is a specific exception for terrorism at your booked ceremony or reception venue. If a terrorist incident at the venue makes it unusable and your wedding has to be cancelled, curtailed or rearranged as a result, you may be able to claim.

Terrorism or civil unrest occurring elsewhere that does not make your booked venue unusable isn't covered.

Fuel shortages, transport strikes, flight cancellations and general travel disruption aren't covered by Wedprotect.

The policy doesn't cover disruption to scheduled public transport services such as buses, trains, airlines or ferries, or claims arising from the cancellation or disruption of your travel arrangements.

However, separate cover may apply where adverse weather results in the official closure of public transport services or road networks and prevents you or at least 50% of your guests from reaching the wedding venue.

No. Wedprotect doesn't cover claims arising from a pandemic or epidemic, including government restrictions affecting venues, travel or gatherings — even if those restrictions mean your wedding cannot legally go ahead.

Claims arising from death or serious illness due to COVID-19 are also not covered.

Limited cover applies. If you've contracted directly with a professional wedding planner and paid them for their own services — such as a planning fee — those costs can be covered if they go into financial failure after the 45-day waiting period.

We don't cover money you've paid to a wedding planner for them to pass on to other wedding suppliers. Cover for the planner is limited to the services you've contracted and paid them to provide directly.