The Wedding Insurance that treats you
Your wedding is one of the most special days of your life. One you often spend a long time dreaming of and saving for. So it’s important to protect your plans and investment with wedding insurance. And to make planning your big day even more special, we treat you to a £10 Debenhams gift card^ when you take out wedding insurance. Think of it as an early wedding gift from us.
What do you get?
We hope that all your wedding plans go without a hitch – excuse the pun! But if anything unexpected does happen, our wedding insurance is there to protect you. Here’s what you get:
- Cover for as little as £59.95*, including a 10% online discount
- The choice of five policies (Gold, Emerald, Platinum, Ruby and Diamond)
- Up to £60,000** cover if your wedding and/or reception is cancelled or postponed
- Up to £27,500** cover for failure of suppliers if your venue goes into liquidation or is declared bankrupt
- Overseas weddings are covered with no additional premium
- A £10 Debenhams gift card^ on us
Terms & Conditions
Prices correct as at June 2017 and include 10% online discount and Insurance Premium Tax.
* Price based on Gold cover and includes 10% online discount and Insurance Premium Tax.
** Depending upon level of cover.
^Offer applies to new business wedding insurance policies only. Offer does not apply to employees of Debenhams Retail plc. You will be sent your gift card via email within 60 working days from policy purchase date. No gift card will be issued for policies cancelled within the standard 14 day cooling off period. No gift card will be reissued if not redeemed prior to expiry date. You will have 90 days to redeem your gift card in store from receipt. Your gift card is subject to terms and conditions. For more information visit debenhams.com, or see in store for details. Debenhams reserves the right to cancel this promotion or amend these terms and conditions at any time on reasonable notice.
Debenhams Retail Plc is an Appointed Representative of UK General Insurance Ltd who are authorised and regulated by the Financial Conduct Authority (Firm Reference Number 310101). This can be checked on the Financial Services Register by visiting the Financial Conduct Authority’s website at http://www.fca.org.uk
‡T&Cs apply, please visit: http://finance.debenhams.com/insurance/travel-insurance/
‡Purchase £50 worth of Travel Money in store (converted to any other currency) and receive a voucher for £5 off purchases of £20 or more in store. The voucher is valid on the day of issue only for purchases in store only. The offer is limited to one voucher per person per week. Debenhams reserves the right to change these terms or cancel the promotion at any time on reasonable notice. The voucher is not transferable and no cash alternatives are available. Exclusions apply, please see in store for full details.
Compare our cover levels
|Please note you may have received our wedding brochure that stated our wedding insurance “starts at £58.88”. This is incorrect as it was printed prior to the announcement of an increase in Insurance Premium Tax (IPT) that came into force on 1 June 2017. The price displayed above includes the increased IPT and is the correct figure. We apologise for any confusion caused.|
|Events and Losses covered at each level||Gold||Emerald||Platinum||Ruby||Diamond|
|Cancellation of wedding and/or reception (including deposits)||Up to £10,000||Up to £15,000||Up to £25,000||Up to £35,000||Up to £60,000|
|Rearrangements of wedding or reception||Up to £10,000||Up to £15,000||Up to £25,000||Up to £35,000||Up to £60,000|
|Wedding and ceremonial attire||Up to £5,000||Up to £8,000||Up to £10,000||Up to £15,000||Up to £25,000|
|Wedding gifts ** (up to 3 months cover)||Up to £2,500||Up to £4,000||Up to £7,000||Up to £10,000||Up to £12,500|
|Wedding rings||Up to £2,500||Up to £4,000||Up to £6,000||Up to £9,000||Up to £12,500|
|Flowers||Up to £3,000||Up to £7,500||Up to £10,000||Up to £12,500||Up to £15,000|
|Attendants’ gifts||Up to £3,000||Up to £7,500||Up to £10,000||Up to £12,500||Up to £15,000|
|Wedding cake||Up to £3,000||Up to £7,500||Up to £10,000||Up to £12,500||Up to £15,000|
|Wedding cars and transport||Up to £3,000||Up to £7,500||Up to £10,000||Up to £12,500||Up to £25,000|
|Photographs and videos||Up to £5,000||Up to £7,500||Up to £10,000||Up to £18,500||Up to £27,500|
|Failure of suppliers||Up to £5,000||Up to £7,500||Up to £12,500||Up to £18,500||Up to £27,500|
|Essential document indemnity (for weddings abroad)||Up to £250||Up to £500||Up to £1,000||Up to £1,000||Up to £1,000|
|Personal liability||Up to £2m||Up to £2m||Up to £2m||Up to £2m||Up to £2m|
|Personal accident||Up to £20,000||Up to £30,000||Up to £40,000||Up to £40,000||Up to £40,000|
|Legal expenses||Up to £5,000||Up to £10,000||Up to £10,000||Up to £20,000||Up to £20,000|
|Public Liability||Up to £2.5m||Up to £2.5m||Up to £2.5m||Up to £2.5m||Up to £2.5m|
Frequently Asked Questions
Yes, we cover weddings abroad. However, you will need to take out separate travel insurance to cover your travel and accommodation.
Yes, we cover civil partnerships.
No, the bride, groom or civil partner’s main residence must be in the UK. They must have been living permanently in the UK for at least six months before buying this policy, and they must be registered with a medical practitioner in the UK.
No, you will need to take out separate travel insurance to cover your honeymoon.
Yes, we cover the unforeseen posting overseas of a serving member of the UK armed forces. However there is no cover if they are deployed to a known war zone.
Yes, the hire of portable toilet facilities to use alongside a marquee is covered under the marquee section.
This covers the bride and groom if they are held liable for any injury to a third party person or damage to third party property. It doesn’t cover accidents caused by anyone else, such as guests, and doesn’t cover any liability that may arise purely because of any contract, such as the wedding venue. This cover doesn’t apply for weddings taking place within the USA or Canada.
Public liability is an extension of personal liability and covers everyone invited to the wedding or reception, if held liable for accidental injury to a third party person or damage to third party property. This cover doesn’t apply for weddings taking place outside of the UK.
Couples who are in the armed forces may choose to walk under an arch of swords. These are usually borrowed from their regiment and are often very valuable. This insurance feature provides cover for loss or damage to the swords for an additional premium.
Failure of Suppliers provides cover for the irrecoverable deposits and additional costs of arranging an alternative if your pre booked and contracted wedding services supplier is made bankrupt or goes into liquidation.
Yes, we cover up to two ceremonies and two receptions on separate dates as standard. However, the reception date must be within 56 days of your wedding ceremony date.
The level of cover you need depends on the size, type and cost of your wedding and reception. To work out your level of cover, consider all of the separate costs associated with the event. Take the following into consideration:
- Cancellation or rearrangement of your wedding
- Loss or damage of the bride’s dress, the groom’s outfit, wedding rings, wedding gifts and wedding cakes
- Failure of all your wedding suppliers (photographers, caterers, hoteliers, chauffeurs, etc.)
- Personal liability insurance in case you’re held liable for an accident or injury during the wedding or reception
- If you’re hiring ceremonial swords or marquees, you should consider additional cover for these items
You should buy a wedding insurance policy as soon as you make any bookings or pay any deposits towards your wedding. Our policies can be purchased up to two years before your wedding date.
Cancellation and Rearrangement is just one aspect of cover offered by the policy, and is often the cover level that is advertised the most. This doesn’t mean that all of the cover levels will add up to the Cancellation limit.
It’s important to review the cover you have to ensure it’s still suitable. If you think that you may need a higher level of cover, please visit www.debenhamsweddinginsurance.com and log into My Account to upgrade online, or contact our Customer Services team on 0800 440 2430. Lines are open Monday to Friday 8am – 8pm and Saturday and Sunday 9am – 1pm.
Any services that are already booked will automatically be covered from the date the insurance is paid for and issued.
No, this would be classed as ‘disinclination to marry’ and is not covered under the policy.
No, you will need to take out separate event insurance.
No, any services provided by a wedding planner or wedding planning service is not covered by this insurance.
Common policy exclusions include the following:
- Medical conditions
- Duration the dress is covered before the wedding
- Conditions relating to cover for gifts at the wedding reception
- No cover for failure of the suppliers of gift lists
- No cover for failure of the suppliers of wedding planner services
- No cover for marquees, ceremonial swords or public liability for weddings taking place outside of the UK or personal liability cover for weddings taking place within the USA or Canada
- No cover if you decide not to get married
Please read the policy wording document for full limitations and exclusions.
Debenhams wedding insurance is arranged by UK General Insurance Ltd who are authorised and regulated by the Financial Conduct Authority (Firm Reference Number 310101). You can check this on the Financial Services Register by visiting the Financial Conduct Authority’s website at http://www.fca.org.uk
Don't just take our word for it
With a Debenhams Credit Card you’ll earn Reward Points every time you spend. We’ll convert them into Debenhams vouchers that you can spend in store. It’s that simple.
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