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Wedding Insurance

Have you considered Wedding insurance? For most people, it’s the biggest day of their lives, months, sometimes years of planning all culminating in that special day. The venue has been hired, the catering arranged, the photographer booked, wedding attire designed and purchased and everyone looking forward to a wonderful occasion.

With the average cost of a wedding now in excess of £15,000 and the fact we all know events don’t always run as smoothly as we hope, we believe when planning your big day, you should include the cost of a wedding insurance policy within your budget.

Do I need wedding insurance?

You may find that some items such as clothing and presents are covered under your home insurance; you may also receive some protection from your credit card company, however, many of the eventualities covered by a specialist wedding insurance policy will not be available elsewhere.

When should I arrange cover?

In our opinion you should arrange to cover your wedding as soon as you start making arrangements and spending money. Although the policy is designed to cover a specific day or days (if your wedding and reception are at different times), the cancellation section will come in to operation from the day you pay for your cover.

You may find that some venues and service providers will not return deposits in the event of cancellation and you may be left out-of-pocket and insurance can help to cover your expenses.

If you are planning a wedding at some distance in time, there are a number of events that could happen that you are simply unable to predict. For example certain occupations may need either the bride or groom to work, these include police, fire and ambulance services and if a member of the armed forces, you may unexpectedly be posted overseas. Redundancy cover may also be included which is often extended to include persons making a significant financial contribution to the wedding. There is also of course the chance of a death in the family of either the bride groom or civil partners or a close member of the family which would make continuing with the wedding inappropriate.

What cover is available?

Wedding policies usually cover a range of specific events relating to a specific day or days. These can include; cancellation and rearrangement, loss or damage to wedding attire, loss or damage to wedding gifts and rings, non-appearance or failure of any supplier such as venue, flowers, transportation, wedding official; personal accident, legal expenses, personal liability, public liability and the ability to add extensions to include such things are marquees or even cover a wedding overseas

Insurance for your big day icon-thin-chevron-down

Our policy will pay you for costs incurred should you have to cancel or rearrange your wedding due to unforeseen circumstances. It also offers financial protection against the failure of important wedding services such as catering and photography

Wide range of wedding covers icon-thin-chevron-down

No one wants to have any problems with their wedding arrangements thus our policy has been designed to cover a wide range of events that could result in you suffering financial loss

Immediate cover icon-thin-chevron-down

Although your wedding day may be many months in the future, cover starts immediately you pay the premium, essential if you are starting to pay deposits for venue hire etc.

Levels of cover to suit your needs icon-thin-chevron-down

All our policies offer the same number of sections, you can however choose your own sum insured to suit your needs

UK and Overseas Weddings icon-thin-chevron-down

We cover weddings in the United Kingdom but can extend cover to services and receptions that are being held overseas

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Extensive Cover icon-thin-chevron-down

Our policy provides "All-risks" cover as standard. This means events such as loss or damage are covered with fewer exclusions and warranties.

Latest News & Advice

Wedding Insurance from Assetsure

Wedding Insurance from Assetsure

March 2016 is an exciting time at Assetsure as we look to launch our new Wedding Insurance product. We currently insure single items of jewellery such as engagement rings and are often asked if we can assist with insurance for wedding insurance…….. well now we can...

Tis the season to get engaged

Tis the season to get engaged

With the Christmas holiday period almost upon us, we are now entering the time of year dubbed “Engagement Season”. Followers of Facebook and other social media sites will soon start to see their timelines populated by the “We’ve just got engaged” post...

Time to consider Wedding Insurance

Time to consider Wedding Insurance

At a time of year when many weddings are in the process of being planned. Couples are being urged to consider effecting Wedding Insurance. Statistics recently released suggest that the average wedding now costs £20,000. Many people do not realise that specialist insurance to cover their weddings is available....

Your Questions Answered

Can I pay monthly? icon-thin-chevron-down

Assetsure Wedding insurance must be paid for in full at the time cover is taken out.

Can I see a copy of the policy wording and summary of cover? icon-thin-chevron-down

Yes these are readily available on this site. When you buy a policy, your documents will be e-mailed to your immediately. We will also supply duplicates free of charge at any time.

Can I upgrade my cover? icon-thin-chevron-down

Yes you can, if as your wedding plans develop you need to increase the limits of cover or add an extension, we are happy to do this, we will simply charge you the difference between the levels of cover and a small administration fee.

How do I make a claim? icon-thin-chevron-down

Please read your policy document carefully, certain claims or notifications of potential claims need to be made within certain time limits. All the numbers you need are in your policy booklet and all calls are dealt with in the United Kingdom.

Must I be a United Kingdom resident to take out a policy? icon-thin-chevron-down

Yes - the person purchasing a policy must be resident in the United Kingdom. Policies can be purchased by either the bride or groom or civil partners or a relative arranging cover on their behalf (such as a parent or guardian or a person with a significant financial interest in arranging the wedding) We also require that at least one of the prospective marriage or civil partners lives in the United Kingdom.

Is my Honeymoon Insured? icon-thin-chevron-down

No- We do not cover honeymoons, we suggest that you purchase separate travel insurance to cover your honeymoon.

Can I cancel my policy? icon-thin-chevron-down

We allow you a 30 day cooling off period during which time you are free to cancel your policy and obtain a full refund. Beyond 30 days, there is no return of premium allowable.

What if we decided not be get married icon-thin-chevron-down

This is an event we cannot cover you for, if you simply change your mind, there is no cover under the policy and if it is after the 30 day cooling off period, we are also unable to return the premium to you.

Who can be covered under this policy? icon-thin-chevron-down

Normally our policies are taken out by the bride or groom or civil partners but if a parent or guardian is arranging or paying for the wedding, often they want the policy to be issued in their names. We can also cover persons that make a significant financial contribution to the wedding arrangements are will happily insure joint interests. Just ask us at the time you buy your cover.

Do I have to pay a contribution towards any claim? icon-thin-chevron-down

Our policy excess is set at a very reasonable £25.00 for any claim(s) arising from a single event. This amount is increased to £250.00 in respect of liability claims and claims for ceremonial swords.

What if my wedding and reception are on different days? icon-thin-chevron-down

No problem, just tell us when taking out your cover and we will cover both days providing they are no more than 21 days apart.

Can I cover an overseas wedding? icon-thin-chevron-down

Yes- we do cover weddings overseas but there are restrictions on the countries we can cover.

If a country is on our drop down menu we can cover it. Certain sections of our policy are not available outside of the United Kingdom, for example we cannot cover; public liability, marquees or ceremonial swords outside of the United Kingdom and personal liability cover is not available in the USA and Canada.

Please also remember that our policy is a Wedding Insurance cover, it is not designed to offer Travel Insurance which you will need to obtain separately.