What our wedding insurance covers

Everything your wedding insurance protects, in plain English. 
Plus what we don't cover - so you know exactly what you're buying.

Get a quote

Go to policy documents

Your policy includes

Eight areas of cover, included as standard with every Wedprotect policy.
The limits depend on the level you choose at quote.

Cancellation, curtailment & rearrangement

Cancellation, curtailment & rearrangement

No excess

If something serious means you can't go ahead with the wedding, have to cut it short, or move it to a new date.

What’s covered & what’s not

WHAT’S COVERED

  • Death or serious illness of the couple or a close relative
  • Venue damage, closure or financial failure
  • Total non-appearance of a key supplier
  • Adverse weather preventing attendance

WHAT’S NOT COVERED

  • Changing your mind or relationship issues
  • Pandemics or government restrictions
  • Venue failure within 45 days of buying your policy
  • Some existing medical conditions (see medical exclusions)
  • Death of a close relative more than 2 months before the wedding
Ceremonial attire

Ceremonial attire

£100 excess

Loss, theft or damage to wedding clothing, jewellery and accessories, for the couple, their parents and attendants.

What’s covered & what’s not

WHAT’S COVERED

  • Owned attire: from 1 month before until the ceremony starts
  • Hired attire: 48hrs before to 48hrs after
  • Jewellery worn as part of the outfit (up to £250 per item)

WHAT’S NOT COVERED

  • Items left with shops, tailors or dry cleaners
  • Theft from unattended vehicles without forced entry
  • Damage to owned attire once the ceremony has started
Rings, flowers, attendants gifts & cake

Rings, flowers, attendants' gifts & cake

£100 excess

Loss, theft or damage to wedding rings, flowers, attendants' gifts and the cake around the big day.

What’s covered & what’s not

WHAT’S COVERED

  • Rings: 3 days before to 24hrs after the ceremony
  • Flowers, attendants gifts, cake: 24hrs before to 24hrs after
  • Repair or replacement up to your policy limit

WHAT’S NOT COVERED

  • Engagement rings
  • Theft where reasonable precautions weren't taken
Wedding gifts

Wedding gifts

£100 excess

Loss, theft or accidental damage to gifts the couple receive around the time of the wedding.

What’s covered & what’s not

WHAT’S COVERED

  • 3 days before to 24hrs after the ceremony
  • While in storage, in transit, or on display
  • Up to £250 per individual gift

WHAT’S NOT COVERED

  • Cash or vouchers
  • Theft from an unattended vehicle without forced entry
  • Gifts left unsecured at home or at the venue
Supplier financial failure

Supplier financial failure

£100 excess

If a wedding supplier you've paid goes out of business and you can't recover your money elsewhere.

What’s covered & what’s not

WHAT’S COVERED

  • Deposits or full payments lost to insolvency
  • Sole traders and independent suppliers
  • Suppliers booked before or after you buy your policy

WHAT’S NOT COVERED

  • Suppliers already in trouble at policy purchase
  • Suppliers failing within 45 days of buying your policy
  • Money you can get back from your card provider (e.g. Section 75 or chargeback)
  • No written contract or proof of payment
Photography & video

Photography & video

£100 excess

If your photos or video can’t be delivered after your wedding.

What’s covered & what’s not

WHAT’S COVERED

  • Death of the photographer or videographer before delivery
  • Lost, damaged or corrupted images before copies are made
  • Sudden equipment failure
  • Cover continues for up to 90 days after the wedding

WHAT’S NOT COVERED

  • Dissatisfaction with style or quality
  • Arrangements without a written contract
  • Your supplier going out of business (see Supplier financial failure)
Wedding cars & transport

Wedding cars & transport

£100 excess

Extra costs to arrange replacement transport if your booked wedding car or transport can’t provide the service.

What’s covered & what’s not

WHAT’S COVERED

  • Non-appearance of booked transport
  • Mechanical breakdown
  • Road traffic accident

WHAT’S NOT COVERED

  • Public transport disruption (trains, buses, taxis)
  • Costs you'd have paid anyway
Personal liability

Personal liability

£250 excess

Your legal liability if you accidentally injure someone or damage their property during the ceremony or reception.

What’s covered & what’s not

WHAT’S COVERED

  • Accidental injury to someone at your ceremony or reception
  • Accidental damage to someone else’s property
  • Compensation and legal costs, where agreed with us first
  • Up to £2m (£5m if you add £5m Public liability)

WHAT’S NOT COVERED

  • Injury to guests, family or your employees
  • Weddings in the USA or Canada
  • Deliberate or reckless acts
  • Your guests’ liability (see Public liability add-on)

Your policy includes

Eight areas of cover, included as standard with every Wedprotect policy.
The limits depend on the level you choose at quote.

Cancellation, curtailment & rearrangement

Cancellation, curtailment & rearrangement

No excess

If something serious means you can't go ahead with the wedding, have to cut it short, or move it to a new date.

What’s covered & what’s not

WHAT’S COVERED

  • Death or serious illness of the couple or a close relative
  • Venue damage, closure or financial failure
  • Total non-appearance of a key supplier
  • Adverse weather preventing attendance

WHAT’S NOT COVERED

  • Changing your mind or relationship issues
  • Pandemics or government restrictions
  • Venue failure within 45 days of buying
  • Some existing medical conditions (see medical exclusions)
  • Death of a close relative more than 2 months before the wedding
Supplier financial failure

Supplier financial failure

£100 excess

If a wedding supplier you've paid goes out of business and you can't recover your money elsewhere.

What’s covered & what’s not

WHAT’S COVERED

  • Deposits or full payments lost to insolvency
  • Sole traders and independent suppliers
  • Suppliers booked before or after you buy your policy

WHAT’S NOT COVERED

  • Suppliers already in trouble at policy purchase
  • Suppliers failing within 45 days of buying your policy
  • Money you can get back from your card provider (e.g. Section 75 or chargeback)
  • No written contract or proof of payment
Ceremonial attire

Ceremonial attire

£100 excess

Loss, theft or damage to wedding clothing, jewellery and accessories - for the couple and the wedding party.

What’s covered & what’s not

WHAT’S COVERED

  • Owned attire: from 1 month before until the ceremony starts
  • Hired attire: 48hrs before to 48hrs after
  • Jewellery worn as part of the outfit (up to £250 per item)

WHAT’S NOT COVERED

  • Items left with shops, tailors or dry cleaners
  • Theft from unattended vehicles without forced entry
  • Damage to owned attire once the ceremony has started
Photography & video

Photography & video

£100 excess

If your photos or video can’t be delivered after your wedding.

What’s covered & what’s not

WHAT’S COVERED

  • Death of the photographer or videographer before delivery
  • Lost, damaged or corrupted images before copies are made
  • Sudden equipment failure
  • Cover continues for up to 90 days after the wedding

WHAT’S NOT COVERED

  • Dissatisfaction with style or quality
  • Arrangements without a written contract
  • Your supplier going out of business (see Supplier financial failure)
Rings, flowers, attendants gifts & cake

Rings, flowers, attendants gifts & cake

£100 excess

Loss, theft or damage to wedding rings, flowers, attendants' gifts and the cake around the big day.

What’s covered & what’s not

WHAT’S COVERED

  • Rings: 3 days before to 24hrs after the ceremony
  • Flowers, attendants gifts, cake: 24hrs before to 24hrs after
  • Repair or replacement up to your policy limit

WHAT’S NOT COVERED

  • Engagement rings
  • Theft where reasonable precautions weren't taken
Wedding cars & transport

Wedding cars & transport

£100 excess

Extra costs to arrange replacement transport if your booked wedding car or transport supplier lets you down.

What’s covered & what’s not

WHAT’S COVERED

  • Non-appearance of booked transport
  • Mechanical breakdown
  • Road traffic accident

WHAT’S NOT COVERED

  • Public transport disruption (trains, buses, taxis)
  • Costs you'd have paid anyway
Wedding gifts

Wedding gifts

£100 excess

Loss, theft or accidental damage to gifts the couple receive around the time of the wedding.

What’s covered & what’s not

WHAT’S COVERED

  • 3 days before to 24hrs after the ceremony
  • While in storage, in transit, or on display
  • Up to £250 per individual gift

WHAT’S NOT COVERED

  • Cash or vouchers
  • Theft from an unattended vehicle without forced entry
  • Gifts left unsecured at home or at the venue
Personal liability

Personal liability

£250 excess

Your legal liability if you accidentally injure someone or damage their property during the ceremony or reception.

What’s covered & what’s not

WHAT’S COVERED

  • Accidental injury to someone at your ceremony or reception
  • Accidental damage to someone else’s property
  • Compensation and legal costs, where agreed with us first
  • Up to £2m (£5m if you add £5m Public liability)

WHAT’S NOT COVERED

  • Injury to guests, family or your employees
  • Weddings in the USA or Canada
  • Deliberate or reckless acts
  • Your guests’ liability (see Public liability add-on)

Optional extras

Bolt-on cover you can add at quote stage for a bit more peace of mind.

Public
liability

£250 excess

UK WEDDINGS ONLY

Covers the legal liability of your guests if they accidentally injure someone (not other guests, family or employees) or damage someone else’s property at the wedding.

Marquee
cover

£250 excess

UK WEDDINGS ONLY

Protects a hired marquee against loss, theft or damage during the hire period. Extends cancellation cover too.

Honeymoon cancellation

No excess

ALL DESTINATIONS

Covers irrecoverable honeymoon costs if your wedding is cancelled with a valid cancellation claim (section 1) and the trip can’t go ahead.

Public liability

£250 excess

UK WEDDINGS ONLY

Covers the legal liability of your guests if they accidentally injure someone or damage someone's property at the wedding.

Marquee cover

£250 excess

UK WEDDINGS ONLY

Protects a hired marquee against loss, theft or damage during the hire period. Extends cancellation cover too.

Honeymoon cancellation

No excess

ALL DESTINATIONS

Covers irrecoverable honeymoon costs if your wedding is cancelled under a valid Section 1 claim and the trip can't go ahead.

Add the Excess Waiver for £10

Pay no excess on any claim. Your excess drops to £0 on every section of your policy.

What's not covered

Wedding insurance protects against unexpected events. It doesn't cover every situation and we'd rather be upfront about what it doesn't do.

The full list of exclusions is in the policy wording.

View policy documents
Not covered

Pandemics, epidemics, and government restrictions on travel or gatherings

Not covered

Changing your mind, separation, or relationship breakdown

Not covered

Certain pre-existing medical conditions

Not covered

Supplier financial failure within 45 days of buying your policy

Not covered

Policies bought less than one month before your ceremony or reception (whichever is first)

Not covered

Worsening of financial circumstances (job loss, business closure)

Not covered

Buying multiple policies for the same wedding to increase payouts

Weddings at home and abroad

Most of your cover applies whether you're getting married in Brighton or Bali. 

A few sections have geographic limits, which we want to be clear about before you buy.

Where each section applies

UK weddings only

Public Liability & Marquee Cover

UK weddings only - these add-ons aren't available for ceremonies or receptions held abroad.

Personal Liability

Personal Liability

Covered for weddings worldwide, except those held in the USA or Canada.

Honeymoon cancellation

Honeymoon Cancellation

Applies to any destination - but only kicks in if your wedding is cancelled under a valid cancellation (section 1) claim.

FCDO travel restrictions

FCDO travel restrictions

We can't cover travel to any country or area where the Foreign, Commonwealth & Development Office has issued restrictions.

Policy documents

The policy wording sets out every section of cover, every exclusion, and the limits that apply. The IPID is the shorter pre-contract summary required by regulation. Both are worth reading before you buy.