How Much Does Wedding Insurance Cost in the UK? (2026 Guide)

Wedding insurance in the UK typically costs between £20 and £300, depending on the level of cover and the value of your wedding.

While it’s an optional part of planning your big day, many couples choose wedding insurance to protect their deposits and supplier bookings in case something unexpected happens.

Planning a wedding often involves multiple suppliers, venues and payments made months in advance. If a venue cancels, a supplier goes out of business or illness forces you to postpone your wedding, wedding insurance can help protect the money you’ve already spent.

In this guide, we’ll explain how much wedding insurance costs in the UK, what it usually covers and whether it’s worth including in your wedding budget.

Some links in this article are affiliate links. This means Bridebook may earn a small commission if you purchase wedding insurance through them, at no extra cost to you. We only recommend trusted providers we believe may be helpful to couples planning their wedding.

The average cost of wedding insurance in the UK typically falls between £50 and £150, although prices can vary depending on the level of cover.

Here’s a rough guide to typical policy pricing:

Basic policies may offer limited protection, while more comprehensive policies provide wider coverage for things like supplier failure, cancellation and lost items.

The cost of your wedding insurance will usually depend on:

• the total cost of your wedding
• the coverage limits you choose
• optional add-ons such as marquee cover or photography protection.

Considering that the average UK wedding now costs £20,604, insurance can provide reassurance that your deposits and supplier payments are protected.

In many cases, wedding insurance costs less than 1% of the total wedding budget, making it a relatively small expense compared to the potential financial risk.

At Bridebook, we partner with WedInsure, an award-winning wedding insurance provider who offer a range of different coverage options.

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Wedding insurance is a specialist insurance policy designed to protect the financial investment you’ve made in your wedding.

If something unexpected happens before or on your wedding day, your insurance may reimburse certain costs depending on your policy.

For example, wedding insurance could protect you if:

• your venue suddenly closes or goes out of business
• a supplier cancels at the last minute
• key wedding items are lost or stolen
• illness or injury forces you to postpone your wedding.

Because weddings often involve multiple deposits and supplier bookings months or even years in advance, insurance can help protect you from losing large sums of money.

The exact coverage included in wedding insurance will depend on the insurer and policy you choose. However, most policies cover the key financial risks associated with weddings.

Typical coverage may include:

Venue cancellation

If your venue cancels your booking due to bankruptcy or closure, your policy may reimburse the cost or help cover rearranging your wedding.

Supplier failure

If a supplier such as your florist, photographer or caterer goes out of business or fails to deliver their service, insurance may cover the financial loss.

Illness, injury or death

If you, your partner or a close family member becomes seriously ill or injured, forcing you to postpone the wedding, insurance may help cover rescheduling costs.

Extreme weather disruption

Some policies may cover cancellation if severe weather prevents a large number of guests from attending.

Lost, stolen or damaged items

Wedding insurance may cover important items such as:

• wedding rings
• wedding attire
• gifts
• decorations.

Photography or videography issues

Some policies also cover problems with your wedding photos or videos, such as if your photographer fails to deliver images or loses files.

Because coverage varies between providers, it’s important to check exactly what your policy includes before purchasing.

While wedding insurance can cover many potential issues, there are also some common exclusions.

Typically, policies will not cover cancellations due to:

• simply changing your mind about the wedding
• realising you can’t afford the wedding
• poor weather such as rain
• pre-existing medical conditions
• non-essential items being lost or damaged.

For example, if table decorations or signage are damaged, they may not be covered if they’re considered non-essential to the event.

Some items, such as marquees, often require separate cover or a policy add-on.

If you’re planning a destination wedding, some parts of your celebration may also fall under travel insurance, such as wedding attire or luggage. However, you should always check your travel insurance limits carefully.

Several factors influence how much wedding insurance will cost.

Understanding these can help you choose the right level of cover for your wedding.

Wedding budget

The biggest factor affecting your insurance premium is the total cost of your wedding.

Higher wedding budgets require higher coverage limits, which increases the cost of the policy.

For example:

• A £10,000 wedding may require less coverage
• A £30,000 wedding may need significantly higher protection.

Coverage level

Basic policies offer limited coverage, while comprehensive policies include additional protections such as:

• higher cancellation limits
• supplier failure protection
• lost or damaged item cover.

Naturally, more comprehensive policies will cost more.

Optional extras

Many insurers offer additional cover options such as:

• marquee insurance
• public liability cover
• wedding attire protection
• photography and videography protection.

Adding these extras will increase the overall price of your policy.

Wedding location

If your wedding involves a destination abroad or a complex venue setup, you may require additional coverage, which can raise costs.

To give you a clearer idea of how wedding insurance pricing works, here are a few example scenarios.

Small wedding

Wedding budget: £10,000Typical insurance cost: £30–£80

A smaller wedding with fewer suppliers usually requires lower coverage limits.

Average UK wedding

Wedding budget: £20,000Typical insurance cost: £80–£150

Most couples fall into this category, choosing a mid-range policy that protects their venue and supplier bookings.

Large wedding

Wedding budget: £35,000+Typical insurance cost: £150–£300

Higher-budget weddings typically require comprehensive cover with higher cancellation limits.

Overall, wedding insurance usually represents a very small percentage of the total wedding cost, while protecting potentially thousands of pounds in deposits and supplier bookings.

Whether wedding insurance is worth it depends largely on the size and complexity of your wedding.

For many couples, the biggest advantage is financial protection.

Weddings often involve paying deposits months or even years in advance for suppliers such as:

• venues
• photographers
• florists
• entertainment
• catering.

If one of these suppliers cancels unexpectedly, replacing them could be expensive – especially close to the wedding date.

Wedding insurance can also protect you if you need to postpone your wedding due to unexpected circumstances such as illness or extreme weather disruption.

For couples spending tens of thousands of pounds on their wedding, insurance can provide reassurance that their investment is protected.

Wedding insurance isn’t legally required in the UK, but many couples choose to purchase it for peace of mind.

You may benefit from wedding insurance if:

• your wedding involves a large budget
• you have booked multiple suppliers
• your wedding venue requires insurance
• you are planning a destination wedding
• you are booking suppliers far in advance.

Some venues may even require public liability insurance as part of their contract.

If your wedding is very small – for example a simple registry office ceremony with minimal suppliers – you may feel insurance isn’t necessary.

However, for larger weddings with significant deposits, insurance can help reduce financial risk.

Alongside standard wedding insurance, there are a few additional types of cover couples sometimes consider.

Marquee insurance

If your wedding is taking place in a marquee, standard wedding insurance may not include cover for this structure.

Many insurers offer marquee cover as an optional extension.

Public liability insurance

Public liability cover protects you if a third party is injured or property is damaged at your wedding and a claim is made against you.

Some venues require this cover before allowing the event to take place.

Travel insurance for destination weddings

If you’re getting married abroad, you may need additional travel insurance to protect items such as:

• wedding attire
• gifts
• luggage

Always check the limits of your travel insurance policy before assuming it will cover these items.

Most wedding insurance policies can be purchased up to 30 months before your wedding date.

Prices generally don’t change depending on how far in advance you buy your policy, so it’s often best to purchase insurance as soon as you begin paying deposits.

This ensures that any bookings you make with suppliers are covered.

Many insurers recommend purchasing wedding insurance immediately after booking your venue, as this is usually the largest deposit couples pay.

Buying early ensures that your policy covers potential risks throughout the planning process.

Before choosing a policy, it’s worth comparing several insurers to find the best coverage for your wedding.

Here are a few key things to consider:

Compare coverage limits

Make sure the cancellation coverage matches the total value of your wedding.

Check supplier failure protection

Not all policies cover supplier bankruptcy, so confirm this before purchasing.

Review exclusions carefully

Every policy has exclusions, so read the terms carefully to avoid surprises.

Compare multiple quotes

Using comparison websites or specialist wedding insurers can help you find the best value policy.

How much does wedding insurance cost in the UK?

Most wedding insurance policies cost between £20 and £300, depending on the level of coverage and the value of your wedding.

Is wedding insurance expensive?

No. Wedding insurance typically costs less than 1% of the total wedding budget, making it a relatively small expense compared to the protection it offers.

What does wedding insurance cover?

Wedding insurance usually covers cancellation, supplier failure, illness or injury, extreme weather disruption and lost or damaged wedding items.

Is wedding insurance necessary?

Wedding insurance isn’t mandatory, but many couples choose it to protect deposits and supplier bookings in case something unexpected happens.

Here at Bridebook, we have everything you need to make planning your wedding fun, stress-free and organised.

From budgeting tools to supplier recommendations, Bridebook helps you manage every aspect of your wedding in one place.

Sign up today and start planning your big day.

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Zoe Burke

Zoe Burke is Head of Brand at Bridebook, the UK’s leading wedding planning platform. With over 14 years of experience in the wedding industry, Zoe is a recognised expert on how couples plan, choose, and book their weddings - and how venues and suppliers can best support them. At Bridebook, Zoe leads the brand, content and social strategy, shaping the advice, tools and inspiration used by hundreds of thousands of couples each year. Her work focuses on helping couples feel confident and informed when making some of the biggest decisions of their lives - from choosing the right venue to navigating budgets, guest lists and modern wedding etiquette. Zoe is a regular media commentator on wedding trends, planning behaviours and the realities of the UK wedding industry. She has appeared on BBC Breakfast, BBC Radio 4, and BBC local radio, and has been quoted in national and international publications including The Times, Stylist, Cosmopolitan, Mail Online, The Knot, and more in her capacity as a wedding expert. She has also contributed expert commentary to several wedding books. During the COVID-19 pandemic, Zoe was appointed to the Government-backed UK Weddings Taskforce, where she helped shape national guidance and policy for weddings, representing the needs of both couples and wedding businesses during an unprecedented period for the industry. Today, Zoe combines real-world industry insight with data from Bridebook’s annual UK Wedding Report and planning tools to provide practical, trusted advice for couples and professionals alike. Her approach is grounded in one core belief: that planning a wedding should feel empowering, not overwhelming.

Last updated: 10th Mar 2026

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