Wedding Insurance - Your Questions
For more information about wedding insurance and how we can cover your special day, read the answers to our most frequently asked wedding insurance questions.
Do you cover overseas weddings?
Yes, weddings in the UK and abroad are covered.
Do you cover civil partnership ceremonies?
Yes, civil partnerships are covered.
My partner is a non-UK National. Can you cover our wedding?
No, both the bride and groom must be permanent UK residents or citizens.
What is personal liability cover?
This covers the bride and groom if they are held liable for any damage to any person or third party property.
What is public liability cover?
Upon payment of an additional premium, this covers all members of the wedding party if they are held liable for any damage to any person or third party property.
What is ceremonial swords cover?
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 of the swords, upon payment of an additional premium.
My wedding ceremony and reception are on separate dates. Will this insurance cover me for both events?
Yes. Ceremonies and receptions that are up to 21 days apart are covered as standard. If the gap between the ceremony and reception is more than 21 days, contact our Customer Services team for a quotation - call 0844 573 5975. Lines are open Monday to Friday 8am - 8pm and Saturday and Sunday 9am - 1pm.
What level of cover do I need?
The level of cover you need depends upon the size, type and cost of your wedding and reception. To work out the level of cover you need, 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
When should I purchase the wedding insurance?
You should purchase 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 2 years before the wedding date.
The cost of my wedding has increased. Will I still be covered?
It is important to review the cover you have to ensure it is still suitable. If you think that you may require a higher level of cover, contact our Customer Services team for an upgrade - call 0844 573 5975. Lines are open Monday to Friday 8am - 8pm and Saturday and Sunday 9am - 1pm.
I've already booked some services. Will these be covered?
Any services that are already booked will automatically be covered from the date the insurance is paid for and issued.
Are there any policy exclusions and conditions?
Common policy exclusions include the following:
- Medical conditions
- Cancellation due to redundancy
- 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
For further details refer to our policy booklet by clicking here.
Who provides Debenhams wedding insurance?
Debenhams wedding insurance is arranged by UK General Insurance Ltd.