The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Wedding Plan Insurance Review: Is It Good?


Note: Due to the impact of COVID-19 the WeddingPlan Insurance website remains non-transactional for the foreseeable future; WeddingPlan insurance has temporarily suspend issuing any new policies whilst they assess the impact of the virus both in the UK and abroad. The following review reflects information that was accurate pre-COVID-19. We are leaving it up for information purposes only. Please note that policies for existing customers will continue to remain in force and unchanged.

Getting married? Congratulations! The average UK wedding costs around £20,000—but whatever your own budget, a wedding is a major financial commitment. To help safeguard this investment in your big day, consider buying a wedding insurance policy. WeddingPlan Insurance offers 9 levels of cover to suit most wedding budgets, to help give you peace of mind while planning for this truly special day.

In This Review

Wedding Plan Insurance Prices

Wedding Plan insurance starts from £19.44 for a low-budget wedding with one ceremony and one reception and goes up to £254.95 or more for a wedding costing up to £65,000 and spanning two ceremonies and two receptions. Regardless of the size of your wedding, this puts the cost of insurance at less than 1% of your wedding budget. And while you're unlikely to need the insurance, having it in place can certainly make your planning more relaxing.

How Much is Wedding Plan Insurance?1 Ceremony + 1 Reception2 Ceremonies + 2 Receptions
Bronze (£2,500 cancellation cover)£19.44£64.04
Silver (£7,000 cancellation cover)£26.29£70.88
Gold (£10,000 cancellation cover)£36.79£81.40
Diamond (£12,500 cancellation cover)£47.32£91.92
Diamond+ (£17,000 cancellation cover)£57.84£102.43
Platinum (£22,000 cancellation cover)£73.62£118.21
Platinum+ (£27,000 cancellation cover)£89.40£133.99
Premier (£32,000 cancellation cover)£105.17£149.77
Premier+ (£65,000 cancellation cover)£210.35£254.95
starting prices, including Insurance Premium Tax (IPT)

What Is and Is Not Covered by Wedding Insurance?

Wedding insurance doesn't cover you if you change your mind about getting married—it is meant to provide a measure of financial protection when a situation that's out of your control wrecks havoc on your wedding ceremony or reception. For instance, if your vintage wedding car hire goes bust and you lose the money you've paid them or extreme weather means you have to rearrange your big day. For full details see the coverage limits below and read the policy wording, but here is a brief summary of some of what's covered, and not:

What's covered by Wedding Plan Insurance?

  • CANCELLATION & REARRANGEMENT: if a supplier, your venue or extreme weather causes you to cancel.
  • LOSS, DAMAGE & THEFT: protection of important wedding items such as your cake, flowers, attire, transport, gifts, ceremonial swords and more
  • SICKNESS & INJURY: rearrangement of the wedding day if a close relative becomes ill or injured and can't attend

What's not covered by Wedding Plan Insurance?

  • Deciding not to proceed with the marriage or register the civil partnership (and/or celebrations)
  • Personal Liability cover for weddings or receptions in the USA or Canada
  • Public Liability Cover or Marquee Cover for weddings located outside of the UK
  • Wedding planning services where the planner is responsible for paying other suppliers (you need written evidence directly between you and your individual suppliers)
  • Receptions finishing 21 days or more after the ceremony
  • When you know before buying the policy that there may be a problem (from a close relative with a terminal health prognosis to a vendor being nonresponsive)
  • Bouncy castles, fireworks, etc.
  • Travel and/or accommodation for weddings outside the UK (get a travel insurance policy for this)

Which Wedding Plan Insurance is Best for Me?

Choosing the right plan is simply a matter of knowing your wedding budget and buying a plan that covers your irrecoverable expenses in case of unavoidable cancellation, such as ceremonial attire, flowers, photographs, caterers, a wedding car, accommodation and the services from any other wedding services supplier. Once you have an idea of your wedding budget for food, drinks, music, venue, etc., you can figure out how much cancellation cover you'll need.

For example, if your wedding budget for these items is £20,000 then the Platinum plan with £22,000 of cancellation cover would probably be suitable. Use the table below to look up your budget and find the best Wedding Plan policy accordingly. (The premiums below represent the starting price, which covers one ceremony and one reception. Prices can increase if, for instance, you have two weddings.)

Your Wedding BudgetBest Wedding Plan PolicyPremium
£2,500Bronze£19.44
£5,000Silver£26.29
£10,000Gold£36.79
£15,000Diamond+£57.84
£20,000Platinum£73.62
£25,000Platinum+£89.40
£30,000Premier£105.17
£35,000Premier+£210.35
£40,000Premier+£210.35
£45,000Premier+£210.35
£50,000Premier+£210.35
£55,000Premier+£210.35
£60,000Premier+£210.35
£65,000Premier+£210.35

Also check the cover limits on other items such as rings and financial failure of suppliers to make sure these limits are sufficient for you as well in the plan you choose. These limits are available in the policies section below.

Wedding Plan Customer Reviews

There are no Trustpilot reviews of WeddingPlan insurance as of the time of writing, but Wedding Plan is rated with 4.8 out of 5 stars by customers at feefo. Remarkably, there are no 1 or 2 star reviews, and 80% of customers rated them with a full 5 stars. Here are some real customer quotes:

"Appear to cover everything we require."

"Easy insurance to set up at competitive price."

"Excellent. Good website, good value!"

"Great selection of products at a good price."

"Very easy to do, it only took a few minutes. Everything was very clear and easy to understand."

Separately, Wedding Plan surveyed over 1,0000 customers in 2016 and found that 99% of WeddingPlan policyholders would recommend them.

Wedding Plan Insurance Policies

Wedding Plan Insurance offers nine different policies to cover wedding budgets up to £65,000. Higher levels of cover not only have bigger limits for cancellation, but also have higher coverage for rings, financial failure, wedding attire, flowers, etc. Wedding Plan's Premier+ policy has the highest level of cover, with £65,000 for cancellation, £35,000 for financial failure of a supplier, £10,000 for each of wedding attire, rings, cake and flowers. This Premier+ policy starts from £210.35 and is their most expensive plan.

Wedding Plan Cover LevelsBronzeSilverGoldDiamondDiamond+PlatinumPlatinum+PremierPremier+
Premium (from, including Insurance Premium Tax)£19.44£26.29£36.79£47.32£57.84£73.62£89.40£105.17£210.35
Cancellation£2,500£7,000£10,000£12,500£17,000£22,000£27,000£32,000£65,000
Financial Failure of Suppliers£1,000£3,500£6,000£7,000£8,500£11,000£14,000£16,000£35,000
Ceremonial Attire£1,000£2,500£4,000£5,000£6,000£7,000£8,000£10,000£10,000
Wedding Gifts£750£2,000£3,000£3,000£3,000£6,000£6,000£10,000£10,000
Public Liability£1 million£1 million£2 million£2 million£2.5 million£2.5 million£5 million£5 million£5 million
Rearrangement£2,000£5,000£7,000£9,000£12,500£16,000£20,000£25,000£50,000
Wedding Rings£1,000£1,500£2,500£3,000£4,000£5,000£7,000£8,000£10,000
Wedding Transport£750£2,500£4,000£5,000£6,000£8,000£10,000£12,000£22,000
Wedding Cake£1,000£1,500£2,500£3,000£4,000£5,000£7,000£8,000£10,000
Wedding Flowers£1,000£1,500£2,500£3,000£4,000£5,000£7,000£8,000£10,000
Attendants Gifts£1,000£1,500£2,500£3,000£4,000£5,000£7,000£8,000£10,000
Photographs & Video£750£2,500£4,000£5,000£6,000£8,000£10,000£12,000£22,000
Overseas Essential Documents£125£250£250£250£500£500£1,000£1,000£2,000
Personal Liability£1 million£2 million£2 million£2 million£2 million£ 2million£2 million£2 million£2 million
Personal Accident£5,000£10,000£20,000£20,000£40,000£40,000£40,000£40,000£40,000
Legal Expenses£5,000£5,000£5,000£5,000£10,000£10,000£10,000£20,000£20,000

In addition, those hiring a marquee may want to add on Marquee cover (but this is not available for weddings outside the UK):

Marquee Cover Add-On PremiumUp to 4 daysUp to 7 days
Up to £25k of cover£36.81£77.79
Up to £50k of cover£73.63£155.58

Asian Wedding Cover

Wedding Plan also offers specialist cover for Asian weddings with higher coverage levels for up to 7 ceremonies, including pre and post ceremonies, such as an engagement ceremony, Mehendi, Miaya, Milni, Sangeet, Sagai, Kirtan and Vagdana ceremonies, and a reception party, Kirtan or Walma (Valima) ceremonies.

FAQs

Yes, Wedding Plan insurance covers weddings abroad. However, there's no Personal Liability cover for weddings or receptions in the USA or Canada or Marquee Cover for weddings located anywhere outside of the UK.
Wedding insurance ranges from around £20 to £250, and should cost less than 1% of your wedding budget.
Wedding Plan insurance is underwritten by UK General Insurance Limited on behalf of Great Lakes Insurance SE, a German insurance company headquartered at Königinstrasse 107, 80802 Munich. The UK Branch office is located at Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ.
You can reach the Wedding Plan helpline at 0344 412 4296.
No, Wedding Plan insurance doesn’t cover the situation where you've decided not to proceed with the marriage.
No, you must pay for your Wedding Plan insurance premium as an upfront payment by credit or debit card.
Within the 14-day cooling off period you can cancel and get a full refund of your premium (provided the wedding hasn't taken place and there are no claims); after the 14-day coooling off period you can cancel but you won't get a refund on the premium you paid.
No, you'll need a separate travel insurance policy to cover your honeymoon.
Wedding planners are only covered if you have a contract with them for planning and separate contracts with the individual suppliers.
99% of WeddingPlan policyholders would recommend them, according to a survey of over 1,000 customers from 2016.

Comments

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.