UK Wedding Insurance

Compare Wedding Insurance Plans For UK Weddings

Wedding Insurance UK Quote

Cheapest Wedding Insurance – Save 35% Online

35% Online Discount

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.

To complete the form please click here

View our Testimonials pages.

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?
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.
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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.

Planning a UK wedding? Insurance can protect your big day

For any newly engaged couple, organising your wedding day can be an exciting and extremely enjoyable experience. The day itself should be one of the happiest of your life and there are plenty of choices to be made in order to achieve the wedding of your dreams.

Of course, weddings can also be expensive endeavours, with the average cost of UK nuptials being estimated at around £20,000 - and that's why wedding insurance is so very important.

No couple wants to think about things going wrong on their special day, but insurance, including wedding reception insurance and wedding cancellation insurance, provides financial protection just in case.

Once you have booked the venues for your ceremony and reception, if you want to get insurance, look no further than E&L. Our selection of policies has been created to give you financial protection for your big day - at an affordable price.

So why not get a free online quote for UK wedding insurance today? And if you have any questions about the options available, or which level of cover to choose, please don't hesitate to get in touch. Our friendly team of advisors will be happy to help you out.

What's covered by UK wedding insurance?

Now that you've decided that wedding insurance is a vital part of your preparations, the next step will be to select the policy that matches your requirements.

Here at E&L, we offer eight different levels of cover, enabling you to choose the package that matches your specific needs and the complexity of your plans, as well as your budget.

And it doesn't matter whether you've just started planning your special occasion, or if you've already made most of the marriage arrangements. As long as your day is between 21 days and two years away, our policies are the perfect way to ensure your peace of mind.

Every one of our insurance plans covers the most important aspects of your wedding day; the only difference between them is the amount that each policy is worth.

While we can never guarantee that your big day will go without any snags, we can help you rest assured that if something does go wrong, you'll be financially protected for:

Optional extras are also available to cover things like a marquee or ceremonial swords, if those will be featuring in your day.

Additionally, you can benefit from a 35% discount off your wedding insurance by booking online. This provides a fabulous opportunity to get comprehensive and reliable cover, while still saving money.

Choose E&L as your UK wedding insurance provider

At E&L, we have been providing niche insurance for more than 70 years. Our wedding policies, as well as our other plans are backed by the FSA and designed with customers in mind. Plus, we are dedicated to providing high-quality service and comprehensive cover.

If you would like to learn more about the options available, why not have a look at our wedding FAQs, or browse our policies in more detail.

And to keep up-to-date with the latest developments, be sure to check out our UK wedding news, where we'll let you know about the latest celebrity nuptial plans, as well as providing inspiration for your big day.