WEDDING INSURANCE RECAP 💡

April is the start of official busy wedding season for us so we thought it would be a good time to recap the topic of wedding insurance. I’m sure the chaos has begun for many of you too—juggling multiple supplier Zoom calls, attending wedding fairs, creating mood boards, and navigating occasional breakdowns (lol! we’ve all been there!). Wedding insurance is something that is often easily overlooked, so we thought we’d break it down for our 2025 couples again…

Meet InsureMyDay & WedCover, both under the same umbrella company. They offer coverage for weddings up to £80K, including extras like marquee coverage and personal liability insurance. Plus, they're available to discuss your policy in detail—an invaluable service when safeguarding your big day. In comparison, other companies I explored had disappointing reviews, limited coverage, or lacked essential add-ons.

Following an in-depth meeting with InsureMyDay & WedCover, I felt assured that our full-planning couples were in good hands. They even kindly provided a 10% discount to my clients, which is great because every little saving helps amongst wedding planning budgets! And now, I'm so excited to share this with you all!

Use the code 'PRISTINE10' for 10% off your overall quote on either of the websites below, depending on your wedding's overall budget. (N.B UK weddings only)

WedCover

InsureMyDay

Do you need wedding insurance?

In my opinion, yes. Weddings are such a huge financial investment and it’s best to have peace of mind knowing that you are covered in case things happen outside of your control. You insure your cars and holidays, both of which tend to cost less than a wedding, so why would you not insure your wedding? If you are worried about it being an additional cost, you could consider taking out a policy that covers less than your overall wedding spend so you are still partially covered. Or you could take out a more basic package without add ons. N.B some venues have clauses in their contracts that you must take out wedding insurance +- public liability insurance to have your wedding there so you will have no choice.

What does wedding insurance cover?

This will vary depending on the Ts & Cs of the insurance company, but to give you a rough idea:

-Venue closures/cancellations- including fires, floods, financial issues causing closure of the venue etc.

-Cancellation due to extreme weather- if this has lead to 50% or more of your guests to be unable to attend your wedding.

-Cancellation due to illness/death/accidents- this is only if it is yourself your partner, an immediate family member +- maid of honour/best man is taken ill. There may be caveats about pre-existing medical conditions etc so read the fine print!

-Damaged, stolen or lost items- including your wedding band (but not your engagement ring, this should be insured from the day you’re engaged!), cake, wedding outfits, gifts, flowers etc.

-Supplier issues- if your supplier doesn’t attend or doesn’t deliver the services agreed, you should be covered. However this is only if you have a written contract so ensure that you have everything in writing (including any changes closer to the wedding day!)

How much is wedding insurance?

This can range from £100-£500 depending on the total cost and the type of wedding. Obviously, the more expensive your wedding, the more expensive your insurance will be. It will be around roughly 0.5% of your overall wedding cost, which in the grand scheme of things, is totally worth the peace of mind.

Do I need public liability insurance?

This is often not included in a standard wedding insurance cover. This is to protect the couple and/or planner from any legal claims of injury or death. Most, if not all, suppliers will have their own public liability insurance. However, some venues require you as the couple to also take it out alongside wedding insurance for extra protection.

What about if I’m having a marquee wedding?

Marquee weddings carry more risk due to the ‘DIY’ element of it and it being a semi-permanent structure. Therefore, most insurance companies provide a ‘marquee cover’ add on. Even if your venue provides the marquee, I would recommend adding on marquee cover as well.

When should I buy wedding insurance?

The sooner the better! This will mean you are covered should your venue close or go into bankruptcy ahead of your wedding date also.

How do I reduce my risk in claiming wedding insurance?

My biggest advice would be to have trusted and reliable suppliers on board. Make sure you have met them (either virtually or in person), got a good vibe from them and have written contracts/invoices for everything you are expecting from them. Also, if you are planning to do anything like outdoor fireworks, indoor fireworks, confetti canons, haze, dry ice etc, make sure you have had venue approval prior to this! Any damage to the venue caused by these things without permission can lead to a pricey pay out!

Ultimately, it’s your decision whether to get insurance or not. As I’ve mentioned, I would always encourage it, especially for 0.5% of your budget! Feel free to also look around at other options and do your own research but I have been recommending these companies to my clients and have been so impressed with the service so far! Hope that helps as always!

PS. I know lots more of you are doing destination weddings this year, and we are working really hard on locating a reliable insurance provide for these so watch this space 👀

Love,

Pristine 🤍🖤