UK Wedding Insurance
Compare Wedding Insurance Plans For UK Weddings
Wedding Insurance UK QuoteCheapest Wedding Insurance – Save 35% Online
Your wedding day should be one of the happiest days of your life. Months, even years of planning should mean that you can enjoy that one special day, the wedding of your dreams.
You may have made all the arrangements for your forthcoming wedding or you might still be planning for the big day, whatever stage you are at, you'll know just how costly a wedding can be. It's estimated that the average cost of a wedding is now around the £20,000* mark, a substantial amount of money to lose should the unexpected happen.
Although wedding insurance is often viewed as a negative, it needn't be. It's there if you need it, a safeguard so you don't lose out financially should the worst happen. Peace of mind that you can forget about, which costs very little with cheap wedding insurance premiums starting from just under £20.
Hopefully your day will run like clockwork, but even the most carefully planned weddings can be disrupted. There are so many parts to a wedding, so many areas to organise from the venue to the photographer, the wedding dress to choosing the flowers. UK wedding insurance from E&L provides insurance that protects against the unexpected, a supplier going in to liquidation, redundancy, cancellation due to illness or bereavement and so much more. To find out more about our wedding insurance UK plans please see our wedding policy information. We may also be able to answer any further queries you have in our wedding FAQ's section which answers the most common questions we receive.
Please note our policy excludes any payment made for your wedding venue or reception before the inception of cover.
We provide cheap wedding insurance up to two years in advance of the ceremony date, covering the lead up to and the day itself. We offer eight bands of cover so that you can compare wedding insurance plans and get the cover that best suits your needs and your budget. We provide wedding cancellation cover for weddings costing £6,000 right up to £50,000, with no excess to pay on most sections.
Whether your wedding is a civil ceremony or a church wedding, E&L® Wedding Insurance could ease the financial stress of your big day!
So why not think about wedding insurance, it's a low cost option and provides the following great benefits:
- Up to 2 years comprehensive UK wedding insurance cover
- A choice of insurance options to suit your needs and your budget
- No excess payable in the event of a claim on most sections of cover
- Cover for supplier deposits, wedding attire, cake, flowers, wedding transport, photograph and so much more
- Optional cover for Marquees and Ceremonial Swords
- Cover for serving members of the armed forces
- 10% discount on a range of wedding products from Forever Memories
Planning your wedding should be fun, so don't leave anything to chance. Let us take care of your wedding insurance needs. Get an online UK wedding insurance quote now and receive a 35% premium discount.
* You and Your Wedding Magazine research, June 2008.
Check out our wedding hints and advice section
Wedding Policy Information
| Band 1 | Band 2 | Band 3 | Band 4 | Band 5 | Band 6 | Band 7 | Band 8 | |
|---|---|---|---|---|---|---|---|---|
| Cancellation and Expenses | £3,000 | £8,000 | £10,000 | £15,000 | £20,000 | £30,000 | £35,000 | £50,000 |
| Supplier Deposits | £5,000 | £6,000 | £7,000 | £8,000 | £9,000 | £10,000 | £10,000 | £10,000 |
| Wedding Attire | £4,000 | £5,000 | £6,000 | £7,000 | £8,000 | £9,000 | £9,000 | £10,000 |
| Photographs | £3,000 | £4,000 | £5,000 | £6,000 | £7,000 | £8,000 | £8,750 | £10,000 |
| Video or DVD | £3,000 | £4,000 | £5,000 | £6,000 | £7,000 | £8,000 | £8,750 | £10,000 |
| Presents | £4,000 | £5,000 | £6,000 | £7,000 | £8,000 | £9,000 | £9,000 | £10,000 |
| Rings | £3,000 | £4,000 | £5,000 | £6,000 | £7,000 | £8,000 | £8,750 | £10,000 |
| Cake | £3,000 | £4,000 | £5,000 | £6,000 | £7,000 | £8,000 | £8,750 | £10,000 |
| Personal Accident | £8,500 | £9,500 | £10,500 | £11,500 | £13,500 | £15,000 | £15,000 | £15,000 |
| Wedding Cars and Transport | £4,500 | £5,500 | £6,500 | £7,500 | £8,500 | £9,500 | £9,500 | £9,500 |
| Professional Counselling | £400 | £450 | £500 | £550 | £600 | £650 | £700 | £800 |
| Legal Expenses | £6,500 | £7,000 | £7,500 | £8,500 | £9,000 | £9,500 | £9,750 | £10,000 |
| Public Liability | £2m | £2.25m | £2.25m | £2.5m | £2.75m | £3m | £3m | £3m |
| Wedding Flowers | £3,000 | £3,500 | £4,000 | £6,000 | £7,000 | £8,000 | £8,750 | £10,000 |
| Wedding Stationery | £1,000 | £1,250 | £1,500 | £1,750 | £2,000 | £2,250 | £2,250 | £2,250 |
| Luggage and Property | £750 | £1,000 | £1,250 | £1,500 | £1,750 | £2,000 | £2,000 | £2,000 |
| Wedding Documents | £1,000 | £1,250 | £1,500 | £1,750 | £2,000 | £2,250 | £2,250 | £2,250 |
| Policy Extensions | ||||||||
| Marquee | £35 for cover up to £20,000; £1.50 per £1,000 thereafter up to £50,000 | |||||||
| Ceremonial Swords | £39 for cover up to £20,000 | |||||||
Excess
The excess is the amount you pay towards a claim. There is no excess on any sections of cover other than Public Liability and Marquees where it is £99.
The following discounts are available on E&L® UK Wedding Insurance:
- online discount
The total maximum discount per policy is 35%.
Introductory discounts provided only apply to new policies taken out online.
To be eligible for E&L® Wedding Insurance the following conditions must be met:
- The policyholder is a UK resident aged over 18 years
- The wedding ceremony date must not be more than 2 years or less than 21 days from the date of policy inception
Please see the Wedding Insurance Policy Wording for full eligibility criteria.
Policy Summary
The policy summary gives an overview of the benefits our UK wedding insurance provides
Wedding Insurance Policy Summary
Policy Wording
The policy wording outlines full details of our wedding insurance terms and conditions.
Wedding Insurance Policy Wording
To view the above PDFs Adobe Reader must be installed.
Register a Claim
Several of our claim forms are available to download online in PDF format. After completing the form you will be provided with a download link to your requested claim form which you can simply print out, fill in and either fax or post to us.
UK Wedding Insurance FAQs
If the following FAQs don't answer your query please have a look at our General FAQs or our Leisure and Lifestyle Insurance FAQs sections.
- Does the cover for wedding presents include money and vouchers?
- Does the insurance cover my honeymoon?
- I have already put down a deposit, but not yet taken out insurance. Will it be covered?
- My partner is in the armed forces. What would happen if their leave was cancelled?
- We are having a winter ceremony. What would happen if we got snowed in and could not make it to our wedding venue?
- What happens if any hired ceremony attire gets lost or damaged?
- What happens if any of the suppliers go bankrupt?
- What happens if my dress is lost, stolen or damaged before I get married?
- What happens if my wedding presents are damaged at the reception?
- What happens if one of us gets 'cold feet' prior to the ceremony?
- What happens if the venue is unable to hold the wedding or reception?
- What happens if the wedding is cancelled?
- What happens if the wedding or reception has to be cancelled or re-arranged because of illness, injury or death of someone involved in the wedding?
- What happens if the wedding photographs do not develop?
- What is the policy excess should we need to claim?
- What would happen if we damaged the marquee?
- When should we take out wedding insurance?
- Who can take out the wedding insurance policy?
- Does the cover for wedding presents include money and vouchers?
- No, unfortunately vouchers and money are not covered.
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- Does the insurance cover my honeymoon?
- Unfortunately not, the honeymoon will be covered by your travel insurance.
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- I have already put down a deposit, but not yet taken out insurance. Will it be covered?
- Any payments made for your wedding venue or reception made before the inception of cover will be excluded from cover.
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- My partner is in the armed forces. What would happen if their leave was cancelled?
- As long as the leave was unexpected and unavoidable this would be covered under the wedding insurance policy.
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- We are having a winter ceremony. What would happen if we got snowed in and could not make it to our wedding venue?
- Cover would be provided should you or the majority of your guests be unable to attend the wedding ceremony due to adverse weather conditions.
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- What happens if any hired ceremony attire gets lost or damaged?
- Damage to wedding attire whether bought or hired is covered under the policy.
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- What happens if any of the suppliers go bankrupt?
- We will contact Companies House and/or the Liquidators involved and we will then pay for any expenses you are not able to recover and additional costs in arranging equivalent services following the bankruptcy or liquidation of any supplier booked to supply any wedding service.
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- What happens if my dress is lost, stolen or damaged before I get married?
- Should the dress be lost, stolen or damaged 24 hours prior to the wedding we will pay for a replacement dress or dress hire charges based on the original purchase price of the dress.
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- What happens if my wedding presents are damaged at the reception?
- We will pay for the loss or damage by any cause to the wedding presents during a period of 7 days prior to the wedding. The cake is also covered 24 hours before the commencement of the wedding.
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- What happens if one of us gets 'cold feet' prior to the ceremony?
- Unfortunately, this is not covered! However, we do provide cover for professional counselling as a result of the unavoidable and permanent cancellation of the wedding due to either the bride or bridegroom electing not to go ahead with the marriage.
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- What happens if the venue is unable to hold the wedding or reception?
- We will pay for any expenses you are not able to recover if you have to cancel the wedding or reception, or we will help with the cost of re-arrangement with another venue.
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- What happens if the wedding is cancelled?
- Unfortunately some weddings do have to be cancelled and this could be for numerous reasons. If you have to cancel, the reason behind the cancellation will be assessed, so it is always worthwhile keeping any receipts and/or contracts in a safe place. These will be used to help you with your claim.
Upon claiming, a claim form will need to be submitted to us and we will require certain documentation from you. This will vary dependant on the nature of the claim.
Payment made will be dependent on the band of cover chosen. We aim to make the claims process as easy as possible for you. - Back to top
- What happens if the wedding or reception has to be cancelled or re-arranged because of illness, injury or death of someone involved in the wedding?
- We will pay for cancellation or re-arrangement costs when a member of the wedding party is affected, except when they have had a terminal prognosis diagnosed before cover is taken out. Details of illnesses must be disclosed when taking out the policy.
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- What happens if the wedding photographs do not develop?
- We cover you up to the amount stated in the schedule for all expenses incurred in the necessary retaking of the official wedding photographs or video/DVD following due to loss of or damage to the original film, negatives or video tape/DVD before copies are made or the film developed or due to faulty materials causing non-development of the original film or negatives (except under- or over-exposure). This extends to the non-appearance of the professional photographer or video/DVD operation booked for the wedding.
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- What is the policy excess should we need to claim?
- We only apply an Excess to the Public Liability claims and Marquee cover claims, the excess on these sections is £99.
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- What would happen if we damaged the marquee?
- If the Optional Extension premium has been paid we pay up to £50,000 for any accidental loss or damage to the marquee caused by the wedding party.
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- When should we take out wedding insurance?
- It is recommended that you take out Wedding Insurance as soon as you make any bookings or pay any deposits towards your wedding. Insurance can be taken out up to 2 years prior to the wedding or as little as 21 days before the big day.
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- Who can take out the wedding insurance policy?
- Wedding Insurance can be taken out by the bride, groom or any member of the immediate bridal party.
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UK Wedding Insurance Tips and Advice
- Budgeting
- Budgeting your dream day may not be the most exciting part of planning however it will ensure that your costs do not escalate.
- Entertainment
- As with most wedding suppliers there are hundreds of different types of entertainment to choose from. Getting the entertainment correct for your wedding will ensure that your guests enjoy have an unforgettable time at your wedding.
- Flowers
- Advice on choosing the right flowers for your wedding.
- Food and Drink
- Ensuring your guests eat and drink well means they will remember your wedding day for the right reasons.
- Marrying Abroad
- An increasingly popular choice amongst couples is marrying abroad; let us provide you with some valuable advice.
- Monthly To-do List
- We offer a check list of what jobs should be completed and when in the run up to your wedding day.
- The Reception
- Your reception venue is the place where you will spend most of your wedding day so choosing a venue that reflects your needs is essential.
- Wedding Insurance
- Cover against any accidents or damages can give peace of mind to you in the run up to the wedding.