If you only have so much money to spend on your wedding and you cannot go over that amount no matter what, then you should maybe take wedding insurance into account when budgeting. If the worst case scenario should happen and your wedding was cancelled or postponed you then have the policy to fall back on. Without insurance you could stand to lose a great deal of money and you may not have enough funds left to reorganize your wedding, so it could mean you cannot get married at all.

Making a wedding insurance comparison online is one of the easiest and quickest ways to get affordable insurance for weddings. It does not have to cost a fortune as there are policies to suit the needs of everyone. When comparing the cost of insurance also check out the small print of a policy to ensure that you know what you are and are not protected against.

If you have allocated money for every vendor and factor of your wedding and have spent your budget, what would you do if suddenly the bridal gown business you had ordered your dress from and spent thousands of pounds on, went out of business? Without insurance to fall back on you would have to find more money for another dress and not be able to claim back the money you already spent. This of course takes you way over your budget.

On the other hand if you had shopped around and compared wedding insurance you would have your policy to fall back on and recoup some if not all of the costs for being let down and perhaps stay within your budget.

Wedding day disasters may happen for numerous reasons. Your wedding day could be ruined by one of your vendors letting your down. Your wedding rings could be stolen, lost or damaged. Your venue may double book and turn you away. The weather could turn nasty and your wedding may be cancelled due to floods. Any of these events quickly leave you with nothing but bad memories if you have no back up against them.

Wedding insurance can be a great back up plan as it typically protects against the events mentioned above and so much more. A comparison for wedding insurance online will reveal there are many companies offering insurance and different levels of cover to choose from. Of course the level of cover taken out will reflect on the level of insurance that is provided so always check the benefits to a policy before rushing into taking it out.

When you consider that you may be spending many hundreds or even thousands of pounds on your wedding it can make sense to cover it. If you are considering insurance then you need to compare wedding insurance and one of the easiest ways of doing so is to shop online. A typical policy may cover your vendors, your dress, wedding rings and cancellation or rescheduling of your wedding due to one of the events covered.

When making a wedding insurance comparison you should not only check the benefits of the insurance but also the small print. Typically insurance policies come with limitations and exclusions and some policies may have more than others. For example your policy may cover your vendors, such as florist and photographer, however the policy typically will only pay-out up to a maximum sum of money if you need to make a claim.

We were shocked to discover that, on average, it would appear that couples buying wedding insurance are underinsuring their weddings by 30 percent!

The study looked at sales of wedding insurance policies purchased between May 2009 and April 2010. For that period, the average cost of a UK wedding was around £17,000 (excluding the cost of a honeymoon). However, the average cancellation cover provided by a wedding insurance policy was just £12,000. That’s an insurance shortfall of £5,000 – around 30 percent of a couple’s overall wedding budget.

While it’s great that so many couples are taking out wedding insurance to provide financial protection for their big day, it’s alarming that so many are underinsuring themselves by such an amount. Should the unthinkable happen and a couple find themselves forced to cancel or postpone their wedding, they may find themselves significantly out of pocket, despite thinking they were financially covered.

There are, of course, a few explanations for this shortfall.  It could be the case that couples ultimately spend way more than their initial budget and don’t increase their insurance cover accordingly.  Or, they simply don’t insure themselves for the full amount, gambling that they won’t actually need to claim for full cancellation or postponement.

Our wedding insurance comparison table lists many of the UK’s major providers of wedding insurance. It can be sorted by both premium and cancellation cover, helping to find not only a policy that’s value for money, but one that also meets the total wedding budget to be insured.

For instance there are usually a great deal of vendors to book. These include flowers, photographer, reception and wedding cake. You could have all of these booked and are just waiting for the big day when out of the blue you find that one of the vendors has gone bust. Not only do you have to frantically scramble around to find a replacement you will also lose your deposit, or the whole sum if you have paid in full. With insurance for weddings to fall back on you may be able to claim for your losses, and the only problem you then have is finding someone else on short notice.

A wedding insurance comparison is quick, easy and the cheapest way to take out insurance for your wedding. There are different levels so there will be affordable insurance for all.

Imagine for a second that one of your vendors let you down. Maybe the florist went out of business, or the venue you choose for the reception double booked. In any of these cases you would be left with having to find another florist or venue and you would have to stand to the loss. Imagine now if the whole wedding had to be postponed say due to inclement weather or illness. You would have to reschedule every aspect of the wedding and this could end up costing you a great deal of money.

If you had not taken the gamble and paid for wedding insurance you would have the insurance to fall back on and perhaps recoup all of your loses or at least a large part of them. Insurance does not have to cost a fortune if you make a wedding insurance comparison online. It’s better to gamble that you are not going to need the insurance than to be without it.

• Damage to the wedding venue, for example a guest spilling red wine over an expensive carpet or rug
• A guest getting injured, perhaps having slipped on a wet floor
• Negligence by one of your guests, for example if a guest spills hot coffee over another guest

Fortunately though, this doesn’t usually mean taking out an additional insurance policy as public liability cover is usually included as part of a wider wedding insurance product or can be added for just a small additional premium. Providers such as Greenbee and Ecclesiastical include public liability cover as standard, whereas other insurers such as Weddingplan will add cover for just an additional £19.

Public Liability vs Personal Liability

Most wedding insurance policies include cover for personal liability as standard. This offers similar protection to public liability, but usually only covers the Bride and Groom. Public liability extends this cover to those invited to the wedding or reception.

As with all insurance products, you should always read the small print carefully to check specifically what the policy does and doesn’t include.

Whether you’re looking for personal liability cover or public liability, wedding insurance is a great way of providing financial peace of mind for your special day. There are a number of companies that provide wedding insurance in the UK and many of them are listed on our comparison table. You can see at a glance the products that are available and can order them by premium and amount of cancellation cover provided.

Weddingplan have today launched a new wedding insurance policy, priced at a very budget friendly £15.49! This is the lowest priced wedding insurance policy we have ever seen here.

Providing just £2,500 of cancellation cover, the new ‘Essentials’ product is clearly aimed at the more budget conscious end of the market. However, for those planning smaller weddings it’s perfect, and with a premium of just £15.49, it’s an incredibly small price to pay for piece of mind on your big day.

As well as £2,500 of cover in respect of complete cancellation, the policy also includes cover for photographs, gifts, attire as well as many other eventualities.

This new policy takes the total number of wedding insurance products offered by Weddingplan up to 6. There are various levels of cover right up to their ‘Premier’ policy offering £50,000 of cancellation cover for £169.99.

There are, of course, a number of wedding insurance companies with a whole range of products available. Our wedding insurance comparison table list many of the UK’s leading providers and is a good place to start when looking for the right policy to suit your own unique individual requirements.

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That’s nearly what happened to this couple. Imagine the situation – you’re walking back down the aisle having just got married and your photographer is snapping away, capturing your beaming smiles. He’s walking backwards in front of you and doesn’t notice the floor level baptismal pool behind him. All of a sudden, splash, in goes the photographer along with his camera and film.

Fortunately in this case both the photographer and his equipment were perfectly fine and he was able to continue the day as planned. It could well have been a completely different scenario though with the photographs up to that point ruined.

A good wedding insurance policy would provide cover for restaging the day so that the photographs could be taken again, hopefully without the photographer going for an impromptu swim!

Take a look at our comparison table to see an at a glance summary of some of the leading providers of wedding insurance in the UK. You can buy your policy online from all of the suppliers listed and premiums start from under £20.