What is Wedding Insurance?
Your Guide to Wedding Insurance by Dreamsaver
Wedding insurance offers financial protection for the marrying couple in case unexpected events occur before or during the big day. However, no policy covers a change of heart or cold feet (commonly referred to as “disinclination”).
Dreamsaver is designed to cover not only weddings but also civil ceremonies, blessings, and vow renewals. It is not a general event insurance policy, so it cannot be used for other celebrations such as birthday parties, reunions, or anniversaries.
Unlike some policies, Dreamsaver allows flexibility. Your wedding ceremony and reception don’t need to occur on the same day—they can be up to 94 days apart. This is ideal for couples planning a wedding ceremony abroad followed by a reception back in the UK.
For weddings involving multiple events, such as Indian weddings or celebrations with two receptions, Dreamsaver covers up to 6 events as long as they occur within 94 days. Additionally, there’s no extra charge for weddings abroad, though certain coverages may not apply.
For more details about our Dreamsaver policy, visit our Policy Documents page to view our policy wording.
How Much Cover Do You Need?
The level of wedding insurance cover should match your total wedding budget, including venues, caterers, attire, and decorations—but not your honeymoon or pre-wedding events such as stag or hen dos.
It’s crucial to avoid underinsuring your wedding. In the event of cancellation, the maximum payout will be limited to the level of cover chosen, potentially leaving you out of pocket for example if your weddings costs £20,000 and you purchase only £15,000 of cover, the maximum you would be able to claim is £15,000.
Please note that there is an ‘Averages’ clause with the Marquee extension, this means if your marquee is underinsured, any claim for loss or damage will be proportionately reduced.
If you’re unsure what your total wedding costs are, use our Wedding Cost Calculator to estimate the level of cover you that is appropriate for you to protect your special day.
If your wedding expenses increase after purchasing a policy, contact us on 01483 806 662 to adjust your cover (additional fees apply).
What Does Wedding Insurance Cover?
Before the Wedding
Dreamsaver Wedding Insurance can be purchased up to two years before the wedding date. This protects deposits already paid (subject to policy terms) against risks such as:
- Supplier Failure - including caterers, venues, and photographers.
- Cancellation or Rearrangement - covered for reasons like illness, death of a close relative, or unforeseen posting of an armed forces member.
- Adverse Weather - if severe weather prevents the couple and at least half the guests from attending.
Wedding rings are also insured against loss or accidental damage up to 7 days before the ceremony.
Optional cover is available for Coronavirus-related cancellation, including COVID-19, if one of the couple or a close relative test positive within 10 days before the event.
For more details about our Dreamsaver policy, visit our Policy Documents page to view our policy wording.
During the Wedding
Dreamsaver Wedding Insurance provides financial protection for:
- Transport Issues - covers additional costs if wedding cars fail to appear or break down.
- Ceremony Disruption- covers cancellation or rearrangement if the officiant fails to attend.
- Damage or Loss - protection for the wedding cake, gifts, and other items.
For more details about our Dreamsaver policy, visit our Policy Documents page to view our policy wording.
After the Wedding
Certain elements of your wedding are covered after the ceremony:
- Personal Liability - covers accidental damage or injury caused by the couple to third-party property. This can be extended to guests for an additional premium (UK weddings only).
- Wedding Rings - insured for loss or damage up to 24 hours after the ceremony.
Public liability cover is not available for weddings in the USA or Canada.
Why Choose Dreamsaver Wedding Insurance?
Dreamsaver is a multi-award-winning wedding insurance provider with nearly 20 years of experience protecting weddings across the UK and abroad. We’ve covered more than 50,000 ceremonies covered, and we've been recognised as the Best Wedding Insurance Provider at the 2016 and 2018 Insurance Choice Awards in the UK multiple times.
We offer flexible coverage for multiple events, ensuring that every detail of your wedding plans is safeguarded. For those planning to marry abroad, our policy covers overseas wedding coverage at no extra charge (exclusions apply).
Additionally, we offer optional extras, such as marquee cover and COVID-19 protection, to allow you to tailor your policy to your unique needs. With Dreamsaver, you can celebrate with confidence, knowing your wedding is in safe hands.
Protect your special day with Dreamsaver. Click below to get a personalised wedding insurance quote and ensure your special day goes off without a hitch.