Do I Need Wedding Insurance?
Wedding insurance from SaveMoneyHub is there to keep you protected. The last thing you want is something to go wrong on your big day, but if it does, don’t make it worse by being stressed and unnecessarily out of pocket.
Don't leave anything to chance
Weddings and civil ceremonies are a special cause for celebration; a day you will remember for the rest of your life. We know they can cost a lot, both financially and emotionally. We also understand how stressful it can be if something doesn’t quite go how you planned it. That’s why at SaveMoneyHub, we don’t leave anything to chance, offering Wedding Insurance to give you the peace of mind on your big day.
What does wedding insurance cover?
Ensure your big day is fully covered with SaveMoneyHub’s insurance packages including everything from cancellations to wedding attire, rings to cakes, flowers to transportation, and much more! Take a look for yourself at the extensive list of items and services that SaveMoneyHub’s great-value Wedding Insurance has to offer, depending on the level cover selected:
Cancellation Cover
With SaveMoneyHub’s Cosmetic Repair Insurance, the vehicle is covered for damage caused by everyday motoring ...
Re-arrangement Cover
In the event of the cancellation of your planned wedding, it may be that you wish to rearrange an alternative...
Ceremonial Attire
All SaveMoneyHub Wedding Insurance policies offer cover to protect you against the accidental complete loss o...
Wedding Gifts
With our Wedding Gifts Coverage, included in all of our policies, your gifts are covered for up to 7 days bef...
Rings, Flowers, Gifts and Cake
You may be surprised to hear that the average couple spends around £300 on the cake for their big day which i...
Wedding Cars & Transport
All SaveMoneyHub Wedding Insurance policies offer financial protection for unforeseen additional costs to arr...
Photography & Video
There is a long list of things that can go wrong when it comes to wedding photos and wedding videos.
Financial Failure
It’s fair to say most couples worry about some of their wedding service suppliers going under before their bi...
Personal Accident
All SaveMoneyHub Wedding Insurance policies offer cover for the marrying couple against personal accident, wh...
Professional Counselling
All SaveMoneyHub Wedding Insurance policies offer cover in respect of professional counselling that is recomm...
Legal Expenses
All SaveMoneyHub Wedding Insurance policies offer cover for any legal costs and expenses incurred by you, in ...
Public Liability
All the SaveMoneyHub Wedding Insurance policies include £2 million of Public Liability cover for the Marrying...
Marquee & Event Equipment
If you are holding your Wedding ceremony or reception in a standalone marquee, then it makes sense to cover t...
Ceremonial Swords
Ceremonial Swords can play a big part in couples’ weddings or civil partnerships, typically those with in the...
Coronavirus Cover
After everything that has happened across the world over the last 2 years, you might decide to take the upgra...
Frequently asked questions
Tie the knot with SaveMoneyHub to gift yourself ultimate peace of mind for your truly special occasion. We vow to keep your investment safe and carry you over the financial threshold in the event of any unwanted interruptions to your big day.
- Is wedding insurance paid monthly?
- No, wedding insurance is just a one-off payment, showing what excellent value for money it is.
- When should we take out wedding insurance?
- Ideally, you should take it out as soon as you have paid any deposits or signed a contract that means you will lose money if you are forced to change your plans. You must purchase this more than 14 days in advance of the wedding date.
- Who can buy wedding insurance?
- Anyone can buy a wedding insurance policy, for instance parents of the bride or groom, but the policy must be in the name of the two people who are getting married as it is their wedding being covered.
- I have already paid a deposit. Will this be covered?
- Yes - provided you are not aware of any particular circumstances that may give rise to a claim when you take out the policy.
- Does wedding insurance cover relative's money?
- Our wedding insurance will cover money paid by relatives of the couple, providing they have a demonstrable financial interest, such as a receipt or booking confirmation. All claims will have to be submitted by the insured couple and then the settlement passed on to the person who paid.
- My fiancé lives abroad. Can we take out a policy?
- Yes - provided one of you is normally resident here in the UK you can take out a policy.
- My fiancé is in the Armed Forces. Are we covered if he is unexpectedly posted abroad?
- Yes - provided that there was no notice of possible cancellation of leave at the time the policy was taken out.
- What about if one of us decides not to go ahead with the marriage after all?
- This is known as "disinclination to proceed" and is not an insured reason for cancellation, sadly. However, you may be able to claim for cost of professional counselling under Section 9 of the policy.
- Is family bereavement covered by wedding insurance?
- Cancellation or rearrangement due to family bereavement is covered under section 1 of our wedding insurance policy if it makes going ahead with the wedding inappropriate. However, you must answer the medical declaration for the policy in respect of all people on whom your wedding plans depend before you purchase the policy. If you answer yes to any of the medical questions with regard to a relative, you will not be covered in relation to that medical condition. You will of course be covered for anything unrelated to that relative's condition.If you are in doubt please contact us on 0161 505 1420, before you purchase the policy.
- What happens if the professional wedding photographs fail because the film or digital storage media is faulty and there are no copies available?
- Then the reasonable costs of taking replacement formal photographs of the couple and the immediate Wedding party can be claimed.
- I have an existing medical condition. Can this be covered?
- Most existing medical conditions are insured automatically, both for the Couple and also their close relatives. There is no cover, however, for Pre-existing medical conditions that have resulted in a terminal prognosis or where the condition is awaiting treatment or investigation at a hospital or you are awaiting the results of tests or investigations, unless you have declared details to us and we have agreed to insure them. You can call us to discuss a medical condition on 0161 505 1420.
- What happens if one of the suppliers goes bust?
- Then you may claim for any irrecoverable deposits that you may have paid and also for the necessary additional costs in arranging an equivalent alternative. A definition of wedding service suppliers is included in the policy wording.
- Our wedding venue is flooded just before the big day. Are we covered?
- Then you may claim for any irrecoverable deposits that you may have paid and also for the necessary additional costs in arranging an equivalent alternative. A definition of wedding service suppliers is included in the policy wording.
- Our venue requires us to provide insurance in case any of us or the guests causes accidental damage during the reception. Is this included?
- The marrying couple’s Public liability is included as standard up to £2m. There is an optional extension available to add cover for the liabilities of your wedding party up to £2m in total. This can be further increased to be £5m with the additional extension.
- Is my honeymoon or overseas wedding trip insured on this policy?
- No - you will need to take out separate travel insurance for your honeymoon or overseas wedding trip, which would normally include cancellation cover if you are not able to travel as planned.
- Does the wedding insurance policy have an excess?
- Yes, there is an excess of £100 applicable under all sections of the policy, except for the Public Liability sections (sections 12, 13 & 14) which have an excess of £250.
