As you might expect, all wedding insurance policies are different, and you will need to make comparisons to decide which one suits your particular requirements, but certain aspects are to be found in most of them.
For example, should you have to cancel the wedding due to unexpected death or illness, extreme weather, or maybe redundancy, then you will be covered for cancellation and expenses, although you must bear in mind that circumstances which are already known to you when you take out the policy are excluded.
You will be covered if one of your wedding suppliers goes bankrupt or goes into liquidation, and in some cases you will also be covered for any additional costs incurred as a result of arranging alternatives. In a similar vein there will be cover for all expenses incurred in the re-taking of official wedding photographs, videos or DVDs should the photographer not turn up or use faulty materials, and should the people providing your transport fail to meet their contractual obligations you will be covered for the additional costs of alternative transport.
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Wedding attire is covered with regard to loss or irreparable damage; wedding rings are insured for loss or damage for a short period before and after the wedding; and the cake and flowers are also covered for loss or damage.
As for presents, they are usually covered for a short period before and after the wedding, but cheques and vouchers are usually excluded.
To make sure you are covered, any loss or theft should be reported to the police within 24 hours.
Public liability cover for the bride and groom is usually included and, for an additional premium, you can extend this to cover all the guests. The bride and groom are also covered should – heaven forbid! - they have an accident that results in death or permanent disablement, and for costs incurred for professional counselling should either of them have second thoughts and decide not to go ahead with the wedding. You should, however, check the policy details if you are having the reception on a different day to the wedding or if you are planning to marry overseas.
Remember that all aspects of any policy will have exclusions and cover limits and there will also be general exclusions, so you should check your policy documents very carefully.