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Insuring against rain


Alison Hargreaves Guides for Brides Bio
Alison Hargreaves Updated:
8th of March 2023
Wedding day rain

At this time of year, it wouldn't be unreasonable to have planned around the weather is sunny and warm, and many couples will have opted for a marquee wedding.

But what happens when the rain ruins the wedding plans, and can you insure against it?

The simple answer is yes, you can but at a cost.

First, you will need to establish what losses you would like to insure against. Insuring against "lost enjoyment" would be a challenge, but if you are having a string quartet who can't be moved inside or a bouncy castle that can't be used, you can cover your costs if they can't be used. You could also cover additional costs such as hiring in umbrellas or gazebos to keep your guests or suppliers dry.

Loss adjusters calculate the policy based on the amount you are wanting to cover, and the likelihood of you needing to claim. It makes sense that if you try to take out insurance a week before the wedding, with forecasts of rain already in place, that the loss adjusters will take that into consideration!

Your standard wedding insurance is likely to cover against water damage to clothes and gifts, but check the small print as they do vary.

Alison Hargreaves Guides for Brides Bio

About the author


Alison Hargreaves

Alison has been advising brides, grooms and bridesmaids for more than 25 years. She has an unrivalled knowledge of the British wedding industry and frequently appears on podcasts and expert panels. She regularly attends international wedding conferences to keep the UK at the forefront of wedding planning trends.

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