FAQs

Wedding insurance provides you with financial protection should something go wrong on or before your wedding and/or reception. Your policy will provide cover against venue or supplier cancellation, illness, severe weather or damage to wedding attire. There are optional extras that can be covered by your wedding insurance policy including marquee hire and ceremonial sword protection. For a deeper walkthrough, read our full guide on what wedding insurance covers.

With the average wedding in the UK costing £23,250 in 2024 (according to hitched.co.uk based on a survey of 3,000 couples), it's essential to have financial protection to ensure your big day can proceed smoothly, even if unexpected events occur. Still on the fence? Our guide on whether you need wedding insurance breaks down the maths, and our comparison of wedding insurance vs. Section 75 credit card protection shows where each option stops short. Lovebird wedding cover includes the following protections:

• Financial failure by suppliers, including the venue
• Severe weather conditions
• Illness or family bereavement
• Ceremonial clothing
• Wedding gifts
• Photography and video services
• Wedding Cars & Transport
• Flowers, decorations, cake, and wedding rings
• Personal accident
• Cancellation of the wedding or reception
• Professional counselling
• Legal expenses
• Public liability for the marrying couple

Optional extra cover:

• Public liability for guests
• Marquee cover
• Mobile toilets and event equipment cover
• Ceremonial sword cover
• COVID-19 cancellation and rearrangement cover

The amount of cover you need depends on your wedding budget. Start by estimating all of your wedding expenses, including those that family members will help pay for. Then, choose a policy that will cover the full amount you could lose if you need to cancel or postpone your wedding. Our guide on how much wedding insurance costs sets out Lovebird's pricing tiers and the cost of optional extras side by side.

To give you an idea of the average cost of a UK wedding in 2024:

• 1 in 2 weddings cost more than £20k
• 1 in 4 weddings cost £30k or more
• 1 in 10 cost over £40K
• Average spending per guest: £261.24

** figures are based on a survey of 3,000 couples by hitched.co.uk in 2024

It's advisable to purchase an insurance policy as soon as you have a clear wedding budget established and have made your first payment or deposit to a wedding supplier. Please note that our policies must be purchased at least 30 days before your wedding date. Any payments or deposits made more than 30 days prior to the start date of your insurance policy will not be covered. Additionally, if a wedding supplier goes out of business within 90 days of the policy start date, this will not be covered by the insurance. Our guide on when to buy wedding insurance walks through the timing rules in detail.

Our wedding insurance policy allows you to cover up to six wedding events within 90 days of each other.

Anyone can purchase wedding insurance but the named policyholders must be the couple getting married or entering into a civil partnership. Civil partner registrations and/or ceremonies are also covered.

Wedding insurance payment information:

• Wedding insurance requires a single one-off payment - monthly payments are not available
• If parents or in-laws pay for part of the wedding, those purchases are covered as long as payments were made within 30 days of the policy start date and you have receipts
• You cannot purchase multiple policies to increase coverage, if you need to change any aspect of your policy, please contact us

Not covered:

• Pre-existing medical conditions
• Partner getting "cold feet"
• Honeymoon (requires separate travel insurance)
• Fireworks and firepits
• Pregnancy complications (unless the expected date of delivery is at least 2 months after the wedding date)

For the full list with the reasoning behind each exclusion, see our guide on what isn't covered by wedding insurance.

Yes. An excess applies to each part of the claim unless otherwise stated. Full details are provided on the quote page and in your policy schedule.

Overseas wedding coverage:

• We cover overseas weddings if one partner is a UK resident
• At least one partner must hold a UK passport and live in the UK
• Country restrictions apply based on advice from the Foreign, Commonwealth and Development Office (FCDO).

For destination-specific cover details — supplier failure abroad, document replacement, and the boundary with travel insurance — read our guide on overseas destination wedding insurance.

Some mid-term amendments are possible. Please contact us to discuss your requirements.

You can cancel within 14 days of purchase for a full refund. After this time, policies are refunded on a pro-rata basis and subject to a £10 administration fee.

Sorry to hear that something didn't go as planned. A full description of how to make a complaint can be found here here.