Top Three Wedding Insurance Providers

With so much choice when it comes to buying your wedding insurance policy, it can often be hard to know where to start. Here’s a guide to three of the best providers on the market for wedding insurance to give you a head start. Quality matters. If you’re looking for the cheapest wedding insurance, it’s not something we would recommend at Dolce Sposa. You’ll find that cheap wedding insurance is cheap for a reason, i.e. when it comes to making a claim you may have difficulty making a successful claim which makes it rather pointless in paying for wedding insurance. We recommend that you do it right and go for a reputable wedding insurance provider. And make sure you read the fine print to understand the circumstances under which an insurer will pay out.

1. E and L Insurance

E&L has a selection of cover levels, all of which provide comprehensive cover for every eventuality. It covers weddings both in the UK and overseas, and also offers the same cover for civil partnerships.

Premiums

There are eight separate bands of cover at E&L, meaning you have a lot of choice when it comes to choosing your level. The basic premium for Band 1 without any extras is £19.50, going up to £56.25 for Band 4 and £172.50 for Band 8. The premiums are the same for both overseas weddings and civil partnerships.

Example Cover

Because there are so many cover bands, the level of cover differs greatly. As an example, Cancellation & Expenses cover for Band 1 goes up to £6,000, and for Band 8 it goes up to £50,000, meaning the vast majority of weddings will be covered.

Pros

E&L does not charge excess on anything apart from Public Liability and Marquees, where it is £99. It can be purchased up to two years before the wedding, and the wide choice of cover levels makes it suitable for most weddings.

Cons

Premiums for all types of weddings are the same, including civil partnerships and weddings abroad, whereas they could be different to provide better value.

Website

The website is simple to use so it is easy to get a quote quickly and easily. It also contains a detailed FAQ section and a good Tips & Advice section.

2. Ecclesiastical Wedding Insurance

Ecclesiastical is one of the best wedding insurance providers in the UK, offering a wide choice of cover levels and the unique feature that allows you to pick and choose your own cover for each event.

Premiums

There are five tiers of cover available, and the basic premiums are: £30, £56, £82, £152 and £282. Extra marquee cover is available on all tiers for either £75 or £105 depending on the type of marquee.

Example Cover

Cancellation or Curtailment cover ranges from £5,000 on Tier 1 to £50,000 on Tier 2. Public Liability cover is also comprehensive, covering anything up to £5 million.

Pros

The wide choice of cover is what makes Ecclesiastical one of the best providers around. The Mix & Match features also allow you to choose from each cover level to make your policy even more specialised for your wedding.

Cons

Cheapest package does not include many of the basics, including rings, wedding attire, gifts and failure of suppliers.

Website

The website is clear and easy to understand, and contains lots of details about weddings and insurance, including detailed FAQ, Advice and Budget Planner pages. All of the important documents (Summary of Cover, Policy Document) are easy to find and download, and there is a clear Mix & Match example to follow.

3. Cover My Wedding

CoverMyWedding is dedicated to providing wedding insurance, which gives it a slight edge in the specialist stakes. The choice of cover is wide, and the premiums are also affordable.

Premiums

Cover My Wedding has four levels of cover, from 2 Star to 4 Star. The premiums are as follows: £18.99, £39.99, £79, £139. Example Cover Cancellation & Rearrangement cover ranges from £5,000 to £40,000, and Ceremonial Attire cover ranges from £1,500 to £10,000. Most of the other levels of cover also provide a wide choice for any type of wedding.

Pros

There is the option of an excess waiver available for which you will have to pay a slightly higher premium. There is also a full range of optional extras available to cover every eventuality.

Cons

No noticeable disadvantages, although it could have more levels of cover to provide extra choice.

Website

CoverMyWedding has a great website with very clear instructions for use. It has a very detailed comparison service which makes it easy to choose the level of cover that is right for you. Shop Around for the Best Deals

Shop Around for the Best Deals

These are three of the best wedding insurance providers on the market. However, it always pays to shop around to find the right deal for you. Try to get as many quotes as you can and then go with the company that provides what you most need, and you will be sure to get the best possible cover available. To make your life easier, compare wedding insurance quotes using Dolce Sposa’s Wedding Insurance Comparison table.

Related posts:

1. Beginner’s Guide to Wedding Insurance
2. Wedding Insurance Comparison
3. Top Five Wedding Insurance Claims
4. Why Do I Need Wedding Insurance?
5. Wedding Insurance