Emerald Life Wedding Insurance

8.7

Levels of Cover

8.5/10

Included in Cover

8.4/10

Customer Service

9.0/10

Value for Money

9.0/10

Pros

  • 4 levels of cover provided
  • The insurance covers you for weddings, civil partnerships or conversions including receptions with no assumptions as to sexuality or gender. This also includes discrimination cover as standard with no additional cost.
  • Comprehensive worldwide wedding cover is available
  • Cancellation Cover ranging from £12,500 to £100,000

Cons

  • Cover excludes weddings or receptions in Cuba, Iran or North Korea.
  • Personal Liability is not applicable to wedding and receptions taking place in America or Canada.
  • Excludes cover directly or indirectly if suffering from stress, anxiety or depression unless receiving treatment as a patient in hospital.

Emerald Life Wedding Insurance Review

Summary

Emerald Life Wedding Insurance offers worldwide coverage (with the exception of Cuba, Iran or North Korea) for your special day. With four levels to choose from starting at just £49 for Diamond Level for up to £12,500 cancellation cover rising to £299 for Platinum Level for up to £100,000 of cancellation cover; they offer plans to suit all kinds of budgets and eventualities that may occur.


Emerald Life Wedding

Emerald Life Wedding Insurance

With the average cost of a wedding coming in at around £31,000, we all think to ourselves ‘What could possibly go wrong?’ Well, the harsh reality, even with meticulous planning, sometimes unavoidable events can happen; even before the day itself. This extends to the venue being flooded, the caterer going bust or even the dress or cake being ruined and emergency replacements needing to be made. Therefore, purchasing Emerald Life’s Wedding Insurance cover at a relatively minimal cost compared to the cost of your wedding really is a no brainer. However, it is always worth checking if you are already covered by other insurances and consumer rights.

Emerald’s Wedding Insurance has been put together to provide all couples complete reassurance on their special wedding day – covering civil partnerships, weddings, or a conversion ceremonies. It will help protect both the couple and their guests from various eventualities and is designed to pay out if the worst happens.

Always remember though that the policy will have exclusions. Emerald Life won’t cover you for items such as having cold feet or if you experience extreme weather conditions for an outdoor wedding which could either mean postponing or cancelling the wedding altogether.

Emerald Life Wedding Insurance offers comprehensive cover to cater for all budgets and for those unexpected circumstances on your special day. Whether this is something as catastrophic as the cancellation of your wedding down to your florist going bust just before the wedding day, Emerald Life Wedding Insurance plans will offer you ample protection depending on the level of cover you purchase. With a choice of four levels to consider, below is an overview of what Emerald Life Wedding Insurance will cover you for.


Table of Emerald Life Wedding Insurance Cover Types:

Events and losses
Diamond
Premier
Premier +
Platinum
Cancellation£12.5k£32k£65k£100k
Failure of suppliers£7k£16k£35k£50k
Wedding gifts£3,000 (£300 Cash & Voucher Limit) £250 per item£10,000 (£1,250 Cash & Voucher Limit) £250 per item£10,000 (£1,250 Cash & Voucher Limit) £250 per item£15,000 (£2,000 Cash & Voucher Limit) £750 per item
Wedding transport£5k£12k£22k£50k
Photographs and video£5k£12k£22k£50k
Attendent’s gifts, Wedding rings, Wedding cake and flowers£3k£8k£10k£15k
Wedding attire£5k£10k£10k£20k
Document indemnity250£1k£2k£3k
Legal expenses£5k£20k£20k£20k
Guests’ Personal Liability2000000200000020000002000000
Personal liability2000000200000020000002000000
Personal accident£20k£40k£40k£60k
Premium (inc IPT)£49£109£199£299

Levels of Cover

Emerald Life Wedding Insurance offers 4 levels of cover to meet the majority of wedding budgets. They are called Diamond, Premier, Premier + and Platinum and cover up to a maximum of £100,000 for Cancellation and Rearrangement, £50,000 for Failure of Suppliers and £15,000 for Wedding Gifts with their Platinum Level cover.

Their cover begins from £49 and goes up to £299 depending on the level of cover you opt for.

Whilst alternative wedding insurance providers may offer a more extensive levels of cover, Emerald Life have tailored these policies to cover all wedding budgets and requirements.


What is Covered by my Policy?

Emerald Life Wedding Insurance ReviewDetailed below is a list of what events and losses will be covered along with optional extras which are covered by your Emerald Life Wedding Insurance Policy. To see the exact amount each event or loss is covered for, please refer to the table above.

The following events and losses are covered by Emerald Life Wedding Insurance:

  1. Cancellation and Rearrangement
  2. Wedding and ceremonial attire
  3. Wedding gifts
  4. Wedding rings
  5. Flowers
  6. Attendent’s gifts
  7. Wedding cake
  8. Cars and transport
  9. Photography and video
  10. Failure of suppliers
  11. Essential document indemnity
  12. Personal Accident
  13. Personal Liability
  14. Public Liability (UK only)
  15. Legal Expenses

Below summarises the events and losses which are considered Optional Extras (available on payment of an additional premium) by Emerald Life Wedding Insurance:

  1. Marquee
  2. Ceremonial Swords

Policy Documents

Wedding InsuranceOnce you decide to take out a policy with Emerald Life Insurance, an email will be sent to you confirming your purchase along with your policy documents.

It is strongly recommended to read through all of the documentation so that you feel comfortable with the level of cover and the terms and conditions.

Below we have provided a link to the Emerald Life Wedding Insurance Policy documents.

Important Information Document

Policy wording

Overview of Emerald Life Wedding Insurance

Pros

  • 4 levels of cover provided.
  • Comprehensive worldwide wedding cover is available.
  • Cancellation Cover ranging from £12,500 to £100,000.
  • The insurance covers you for weddings, civil partnerships or conversions including receptions with no assumptions as to sexuality or gender. This also includes discrimination cover as standard with no additional cost.
  • Optional extra to take out Emerald’s travel insurance for your honeymoon as well.

Cons

  • Excess between £50 and £250 depending on the level of cover.
  • Cover excludes weddings or receptions in Cuba, Iran or North Korea.
  • Personal Liability is not applicable to weddings and receptions taking place in the USA or Canada.
  • Excludes cover directly or indirectly if suffering from anxiety, stress or depression unless receiving treatment as a patient in hospital.

Wedding Insurance

Emerald Life Wedding Insurance FAQ’s

Is it necessary to purchase insurance to cover my wedding? What are the advantages?

As weddings are so costly, there are lots of factors which could impact your big day so it is recommended to take out insurance to protect you. From damage to clothing to suppliers going bust, Emerald Life Wedding Insurance is there to help you to be protected against these events.

What is covered in my Wedding Insurance policy?

Emerald’s Wedding Insurance will cover you for a long list of circumstances that may negatively impact or ruin your special day and/or incur extra costs. Emerald Life Wedding Insurance have developed 4 packages designed to provide their customers increasing levels of cover depending on their needs and scale of wedding plans.

Full details of the policy can be found in the Policy Documents, link above.

What does my Wedding Insurance policy NOT cover?

Please refer to page 6 of the Policy Summary as this will all be explained in more depth.

https://www.emeraldlife.co.uk/static/docs/emerald-wedding-key-facts–26-march-2019.pdf?sfvrsn=0

When should I take out my Wedding Insurance?

It is recommended that once the wedding dates have been set or once contracts are in place, then you should take out wedding insurance cover as soon as possible after that.

I’ve already booked some services; will these be covered by my Insurance?

Yes, any services that are already booked will be covered from the date the insurance is paid for and issued.

If I need to make a claim, how quickly will it be settled?

This is dependent on the nature of the claim, but Emerald will endeavour to settle all claims as soon as possible.

I am planning to get married abroad; will the Emerald Life Wedding Insurance cover this?

Yes, Emerald provides worldwide cover for wedding and reception celebrations, with the exception of weddings or receptions in Cuba, Iran or North Korea; Personal Liability will not apply to wedding and receptions taking place in the USA or Canada.

Full details of the policy can be found in the Policy Documents, link above.

Am I able to cancel my policy after I have taken it out?

Yes, policies can be cancelled up to 14 days after taking them out and before the wedding has taken place. You will however receive no refund if you want to cancel the policy after 14 days.

If you wish to cancel your policy you will need to call Emerald Life Wedding Insurance on 0330 113 7109.

How do I pay for my Wedding Insurance?

Your premium is a one-off payment. Payment can be made either by debit or credit card online or by calling the Emerald Life Customer Relations Team on 0330 131 9960 or emailing customerservice@emeraldlife.co.uk

What happens if my wedding and reception turn out to be more costly than originally planned, can I upgrade my policy at any time?

Yes, you can upgrade your cover at any time. You can do this online or by calling Emerald Life’s trained call centre staff who will assist you in arranging any additional cover required. The telephone number is 0330 113 7109.

Will the wedding be covered if either party decides not to get married?

No. Emerald Life Wedding Insurance will not provide cover in this situation.


How easy is it to obtain an Emerald Life Wedding Insurance?

You can obtain a free quote by clicking on the link below and selecting the relevant level of cover.

Emerald Life Wedding Insurance Instant Free Quote 

The website is very easy to navigate with clear, concise forms to complete.

Emerald Life Wedding Insurance Quote


Making a Claim

To make a claim, please have your policy number to hand. You can either call Emerald Life Wedding Insurance on 0330 234 3723, email them at: weddingclaims@emeraldlifeclaims.co.uk or you can download a claims form from their website.

It is highly recommended to notify Emerald Life and make a claim as soon as possible after the incident has occurred. In any event the claim must be made no later than 31 days after the date of the loss for which you are claiming. Any claim after this date is highly likely to be declined in line with Emerald Life’s policy and T&Cs.

Contacting Emerald Wedding Insurance (Not Claims)

You can contact Emerald either by email or telephone on the details below.

You can contact their UK call centre by email or phone:

Email: customerservice@emeraldlife.co.uk
Telephone: 0330 113 7109

Lines are open from 9am until 5pm Monday to Friday, closed on Saturday, Sunday and bank holidays.


Compare Wedding InsuranceBelow summarises what cover you will receive from a typical Emerald Life Wedding Insurance.

  • Cancellation of the wedding and/or reception as well as the cost of re-arranging.
  • Wedding attire – This includes damage or loss to the wedding garments worn by the bride, groom and attendants.
  • Wedding presents – Cover against loss, theft or damage.
  • Loss or damage to the wedding rings, attendants’ gifts, flowers and the wedding cake.
  • Failures of the wedding car hire company to meet their contractual obligations.
  • Photography/Video – Cover against the non-appearance of the photographer and/or videographer and loss or damage to the negatives or digital media.
  • Failure of suppliers – Should a pre-booked supplier go into liquidation.
  • Essential documentation – The loss of any necessary documents which have to accompany the bride and groom on an overseas wedding.
  • Personal liability – Cover for the bride and groom should they be held liable for any damage to a third party’s property or for injury to another person.
  • Personal accident which covers the bride and groom against any bodily injury incurred on the wedding.
  • Both marquee insurance and ceremonial sword cover can be purchased separately, but please note that this cover does not apply outside of the UK.

Should you need to make a claim there will be an excess to pay in most cases of between £25 and £250 depending on the level of cover. As with all insurance, certain limitations and exclusions apply so be sure to read through the fine print of your policy.


 

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