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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 £21.

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 FAQs section which answers the most common questions we receive.

Please note our policy excludes any payments exceeding £2000 paid towards 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 £3,000 right up to £50,000, with no excess to pay on most sections (Band 1 cover is limited to £3,000).

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

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

UK Wedding Policy Information

  Band 1 Band 2 Band 3 Band 4 Band 5 Band 6 Band 7 Band 8
Cancellation and Expenses

For all irrecoverable expenses in respect of catering, accommodation, transport, flowers, photographs or hired attire incurred due to unexpected cancellation or curtailment, including 50% re-arrangement expenses to avoid cancellation. Please note our policy excludes any payment made for your wedding venue or reception before the inception of cover.

£3,000 £8,000 £10,000 £15,000 £20,000 £30,000 £35,000 £50,000
Supplier Deposits

We will cover your non-refundable deposits, in the event of financial failure of the suppliers or if the entertainers fail to appear.

£5,000 £6,000 £7,000 £8,000 £9,000 £10,000 £10,000 £10,000
Wedding Attire

For loss or damage while in your possession and occurring prior to the wedding commencement (unless hired - max. 48 hours after commencement) or financial failure of your suppliers.

£4,000 £5,000 £6,000 £7,000 £8,000 £9,000 £9,000 £10,000

For all expenses incurred in the retaking of the official photographs due to loss or damage of film, faulty materials or non-appearance of the professional photographer.

£3,000 £4,000 £5,000 £6,000 £7,000 £8,000 £8,750 £10,000
Video or DVD

For all expenses incurred in the retaking of the official video/DVD due to loss or damage of film, tape, disc, faulty materials or non-appearance of the video/DVD operator.

£3,000 £4,000 £5,000 £6,000 £7,000 £8,000 £8,750 £10,000

For Loss or damage seven days prior to the wedding and up to 24 hours after the wedding at your home/parent's home/reception/or in transit between these locations.

£4,000 £5,000 £6,000 £7,000 £8,000 £9,000 £9,000 £10,000

For loss or damage occurring from the inception of cover up to the beginning of the reception.

£3,000 £4,000 £5,000 £6,000 £7,000 £8,000 £8,750 £10,000

For loss or damage occurring from the inception of cover up to the beginning of the reception whilst at your home/parent's home/reception/or in transit between these locations.

£3,000 £4,000 £5,000 £6,000 £7,000 £8,000 £8,750 £10,000
Personal Accident

For accidental bodily injury resulting in death or permanent total disablement.

£8,500 £9,500 £10,500 £11,500 £13,500 £15,000 £15,000 £15,000
Wedding Cars and Transport

Failure of transport due to breakdown, accident or non-appearance when a contract is in force.

£4,500 £5,500 £6,500 £7,500 £8,500 £9,500 £9,500 £9,500
Professional Counselling

Cover for the cost of GP recommended counselling should your wedding be permanently cancelled due to either of the couple's death or either party electing not to proceed.

£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

Legal liability to a third party for the damages and costs arising from an incident at your wedding, reception or evening function.

£2m £2.25m £2.25m £2.5m £2.75m £3m £3m £3m
Wedding Flowers

For loss or damage occurring from the inception of cover up to the beginning of the reception at your home/parent's home/reception/or in transit between these locations.

£3,000 £3,500 £4,000 £6,000 £7,000 £8,000 £8,750 £10,000
Wedding Stationery

Cost of replacement due to loss or damage.

£1,000 £1,250 £1,500 £1,750 £2,000 £2,250 £2,250 £2,250
Luggage and Property

Loss or damage on the day of the reception at your home/parent's home/reception/or in transit between these locations.

£750 £1,000 £1,250 £1,500 £1,750 £2,000 £2,000 £2,000
Wedding Documents

Loss or damage to documents within seven days of departure to your wedding destination or whilst abroad for your wedding/honeymoon.

£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


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 £109.

The following discounts are available on E&L® UK Wedding Insurance:

  • 35% 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.

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.

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:

  • Cancellation and expenses
  • Supplier deposits
  • Wedding attire
  • Photographs and video
  • Presents
  • Rings
  • Cake
  • Personal accident and public liability
  • Transportation
  • Professional counselling and legal expenses
  • Wedding flowers
  • Wedding stationary
  • Luggage and property
  • Wedding documents

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 products, have been designed to meet the needs of our customers. 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.