Wedding Insurance

Whether you really need wedding insurance or not comes down to how much is at risk and needs protecting.

In other words, how much will your wedding cost and is any of that spend covered by exisiting arrangements? Remember that if you have paid with a credit card for anything costing between £100 and £30,000 then you should be able to claim your money back from your credit card provider, using section 75 of the Consumer Credit Act. This applies even if just the deposit was put on your card.

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Weddings can be incredibly expensive events - and you want everything to be perfect. There are lots of factors outside your control that can impact them. So it makes perfect sense to insure your big day. Our wedding policy covers damage to clothing, financial failure of services suppliers, adverse weather, illness AND if any services supplier refuses to provide you a product or service because you are having a same-sex wedding, or for any other reason that is prohibited under the Equalities Act – just about everything we can think of where you might need protection for on your big day.

The definition of ‘Wedding’ is a ceremony which creates a contract of marriage legally enforceable within the UK or a civil partnership registration or ceremony". If your celebration is outside of that definition, for example, a blessing as part of a religious ceremony, or a renewal of vows, then please call us. We hope to have a positive response for you within 24 hours.

Research by bridal magazine Hitch has crunched down the numbers to see how much weddings cost in 2017.

Brides and grooms are now spending an average of £27,161. That was a dramatic rise of £2000 since 2016. 

Wedding venue hire is naturally the most expensive cost at £4,354, even more than the honeymoon that comes in second at £3,630. The average cost of wedding dresses was £1209.

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You can't make a claim for a situation that you already knew about. Unfortunately that includes medical conditions that you worry could get in the way of your ceremony.

We also don’t cover cold feet if either partner changes their mind or if you decide you cannot afford to go ahead with your plans.

Remember that standard wedding insurance doesn’t cover your honeymoon so you will probably want to take out some travel insurance to cover that which we are pleased to offer here at Emerald.

Many insurers allow you to add extras for expenses such as marquee cover, ceremonial swords cover, public liability cover and weddings overseas. At Emerald our wedding insurance already provides worldwide cover but we include marquee insurance and ceremonial swords as optional extras.

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Yes, at Emerald Life we include civil partnerships in our wedding insurance. We were also the first UK insurance provider to allow the prefix “Mx” for non-binary and transgender people, or indeed anyone who would rather identify that way.

Within reason, as soon as you choose the date of the special day. If you have already incurred expenses for your wedding, these things will typically be covered from the date you take out your insurance.

What am I not covered for under my wedding Insurance policy?

• Participants deciding not to marry or undertake their Civil Partnership Ceremony and associated celebrations
• Not taking reasonable care to prevent theft or loss for any potential claim
• Rearranging travel or accommodation arrangements for a wedding outside the UK
• Any claim arising directly or indirectly from:
  • anxiety, stress or depression unless admitted as an in-patient at a recognised hospital;
  • any death, illness, or injury which is caused or contributed to by:
    • any medical condition suffered by You or anyone on whom the Wedding and/or Wedding Reception depends of which You were aware at the time of purchasing this policy, or
    • You or anyone upon whom the Wedding and/or Wedding Reception depends acting against medical advice, or
    • any medical condition for which You or anyone on whom the Wedding and/or Wedding Reception depends is awaiting the results of tests or medical investigations, or
    • any medical condition for which You or anyone on whom the Wedding and/or Wedding Reception depends are on a hospital waiting list, or
    • any medical condition for which You or anyone on whom the Wedding and/or Wedding Reception depends has received a terminal prognosis;
  • claims (for You or anyone else upon whose health Your Wedding depends) arising directly or indirectly form failure to obtain the recommended vaccinations or take any recommended medication;
  • circumstances or events of which You were aware or that were in the public domain at the time of effecting this policy;
  • losses directly or indirectly occasioned by, happening through, or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), Terrorism (except if the loss or claim is caused by Bodily Injury resulting in Your death or disablement or that of a Close Relative), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation by nationalisation or requisition and/or destruction of or damage to property by or under the order of any government or local authority or riot or civil commotion;
  • loss or theft from unattended venues or vehicles unless involving forcible or violent entry or exit;
  • theft or attempted theft unless involving forcible or violent entry to or exit from a building.

Full details can be found in the policy document and policy summary on our Wedding Page

To make a claim, or if you are thinking of making a claim, click here or email: weddingclaims@emeraldlifeclaims.co.uk or call: 0333 234 3723.
As you will appreciate, the unprecedented nature of Coronavirus (Covid-19) and the need for restrictions of gatherings has had a significant impact on both the wedding industry as a whole and more specifically your planned wedding.
As a result, we are receiving an extremely high volume of enquiries and claims from customers, and our usual response time has been affected. We sincerely apologise for this, however, please be assured that we are working through all claims and enquiries thoroughly, and as quickly as we possibly can.
If your wedding is impacted by Covid-19 and if you have not already done so, we encourage you to approach your wedding providers (venue and all suppliers) to discuss rearrangement options for a new wedding date, as we will need to know your rearrangement options before any claim can be fully considered.
We appreciate your continued patience while we all work through this.