Wedding insurance is an incredibly powerful tool for protecting your finances, but it’s important to understand what it’s designed for. It’s there to cover you for unforeseen events that are outside of your control. One of the most common questions we hear is, ‘What if one of us changes their mind?’ It’s a sensitive topic, but one that needs a clear answer.

Cancellation vs. a Change of Heart
In insurance terms, a ‘change of heart’ or ‘cold feet’ is known as a disinclination to marry. This is considered a voluntary decision, not an unforeseen catastrophe. Therefore, wedding insurance policies do not cover cancellation due to one or both parties deciding not to go through with the wedding. The purpose of the insurance is to protect you from external risks like supplier failure, illness, extreme weather, or venue issues.

What Are Other Common Exclusions?
Besides a change of heart, there are a few other standard exclusions. For example, policies typically won’t cover known issues—if your venue was already in financial trouble when you booked, you wouldn’t be covered if it closed down. Likewise, choosing to cancel because of a poor weather forecast (rather than a severe, prohibitive weather event) or simply deciding you don’t like your dress anymore would not be covered.

Clarity and Confidence
Understanding the exclusions is just as important as knowing what is covered. It ensures there are no surprises and helps you appreciate the true purpose of the policy: to provide a robust safety net against genuine, unforeseen disasters. At iDoinsurance.co.uk, we believe in being transparent. We encourage all couples to read the policy wording carefully so they can purchase with complete confidence, knowing exactly what they are protected against.