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What is Wedding Insurance?


Wedding insurance exists to give you, the Marrying Couple, financial protection should things go wrong before or during your wedding day. Unfortunately, no wedding insurance policy will cover either of the couple getting ‘cold feet’ and not wanting to get married (this is known as Disinclination).

Although it is called Wedding Insurance, Dreamsaver can also cover Civil Ceremonies (civil partnerships) and the Blessing/Renewal of Vows. It is not event insurance and cannot provide cover for 21st birthday parties and other celebrations of this type.

Unlike some wedding insurance policies, under the Dreamsaver policy the wedding reception does not have to be on the same day of the wedding ceremony, there can be a maximum of 21 days between the ceremony and reception. This can be useful if you are having a wedding ceremony abroad and then the wedding reception back in the UK upon your return.

Dreamsaver does not charge any additional premium if you are having your wedding abroad (although some sections are not available).

To see what is covered by the policy please click here to read the policy wording

How much Wedding Insurance cover do I need?

The level of cover for Wedding insurance is usually determined by the total cost of the wedding, i.e. how much it would cost insurers if your wedding was cancelled. This amount will include all the elements of your wedding, such as venue, caterers, wedding attire, wedding cake etc but NOT a honeymoon or Stag and Hen dos.

You should select the level of cover that most closely matches your wedding budget. If you underinsure your wedding then the maximum you will receive in the event of cancelling the wedding is the level of cover you have paid for, potentially leaving you out of pocket. If you are unsure of the total cost of your wedding click here to use our wedding cost calculator.

If you find that during the course of organising your wedding that costs increase beyond the level of cover you have bought please call us on 01483 806 662 and we will be happy to arrange increasing your level of cover (subject to payment of additional premium and administration fee).

What Does Wedding Insurance Cover Before your Wedding?

Dreamsaver Wedding Insurance can be purchased up to 2 years before your wedding ceremony. Buying it this early will protect any deposits you make (and indeed any deposits paid before you bought the policy, subject to policy terms and conditions) from the financial failure of wedding service suppliers.

This also covers professional wedding planners. The policy does not cover Wedding Gift suppliers.

The reasons for cancellation or rearrangement that are covered by the Dreamsaver policy are in section 1 of the policy wording but include the death or illness of the couple or a close relative that would make the continuance of the wedding inappropriate. Dreamsaver wedding insurance also now includes the Option to include cancellation cover in case the bride or groom (or a close relative) catch Coronavirus, as defined, including COVID-19 within 10 days prior to the wedding.

Adverse weather, such as snow, meaning that more than half of the wedding guests cannot make the wedding, is also covered, provided the Dreamsaver Wedding Insurance policy is purchased at least 14 days before the Wedding ceremony date.

It also covers the unforeseen posting of a member of the armed forces, providing the serving person has previously had their leave agreed by their commanding officer.

Redundancy of one of the couple is covered, providing the wedding insurance policy is taken out 8 weeks prior to the notice of redundancy being given.

What Does Wedding Insurance Cover During the Wedding?

Dreamsaver Wedding Insurance covers you during the day for things such as additional costs for alternative transport should the wedding cars not appear or breakdown.

The policy also covers you to cancel or rearrange the wedding if the officiating minister or registrar does not turn up.

What Does Wedding Insurance Cover After the Wedding Ceremony?

Dreamsaver wedding insurance was designed to insure one wedding ceremony and one reception, therefore it provides certain elements after the ceremony.

The bride and groom are covered by personal liability in case they cause any accidental loss or damage to third party property. This can be extended to Wedding Party (Marrying Couple, Parents of the Bride or Groom, Best Man, Maid of Honour and Bridesmaids) with the appropriate additional premium. Please note the extension to cover the wedding party is not available for weddings taking place outside the United Kingdom and there is no Public Liability cover whatsoever for weddings taking place in the USA or Canada.

Wedding rings are covered against loss or accidental damage up to 24 hours after the wedding ceremony.