Wedding Insurance Calculator
Our wedding insurance calculator estimates the cost of comprehensive wedding insurance based on your total wedding budget, venue type, and level of cover required. The average UK wedding now costs approximately £20,000–£30,000 — making insurance against cancellation, supplier failure, and liability an important financial safeguard.
Wedding Insurance Cost Calculator
Estimate the cost of wedding insurance. Covers cancellation, supplier failure, rings, attire, photography, and public liability.
What Wedding Insurance Covers
Comprehensive wedding insurance typically includes: cancellation or curtailment (covering irrecoverable costs if the wedding cannot proceed); supplier failure (protecting deposits if a caterer, photographer, or venue goes out of business); wedding attire and rings (replacement cost if lost, stolen, or damaged); personal liability (if a guest is injured or property damaged); and optional honeymoon cover. Cover for a £20,000 wedding typically costs £120–£250 — approximately 0.6–1.3% of the total wedding budget. If you are also planning a honeymoon abroad, use our Travel Insurance Calculator to model the additional travel cover required for the trip itself.
Frequently Asked Questions
No — cancellation due to either party changing their mind is not covered. Cover applies to circumstances beyond your control: illness, bereavement, venue fire, supplier insolvency, or extreme weather.
Supplier insolvency cover reimburses deposits paid to a venue that ceases trading before your wedding date. Ensure the limit matches your venue deposit.
Some policies extend to weddings abroad, but this is not standard. Specialist international wedding insurance is available from specialist brokers.
Yes — most insurers offer wedding insurance up to and including the day before the wedding, though some perils may have shorter notice requirements.
Comprehensive cover for a £20,000 wedding typically costs £120–£250 depending on the insurer and cover level — a small percentage of the total wedding budget for significant financial peace of mind.
Enter the total wedding spend including venue, catering, photography, flowers, attire, and rings. Wedding insurance typically covers cancellation or rescheduling due to unforeseen circumstances (illness, extreme weather, venue insolvency), wedding attire damage or loss, wedding gifts, photography equipment failure, and public liability. The total spend drives the premium because cancellation cover is tied to irrecoverable costs. Take out insurance as early as possible after booking your first supplier — some causes are excluded if they are already foreseeable at the time of taking out the policy. Check whether supplier insolvency is included: venue or caterer bankruptcy is a genuine risk, particularly for smaller independent businesses. Read the cancellation definition carefully — circumstances that feel obvious to cover are sometimes excluded.
Important Information
This calculator is provided for general information and planning purposes only. It does not constitute financial or tax advice and should not be relied upon as such. Figures are indicative estimates based on simplified, publicly available criteria and stated assumptions. Actual results depend on your full circumstances. See our Disclaimer for further information.