Wedding Insurance for home venue

edited 30 November -1 at 1:00AM in Weddings & Anniversaries
6 replies 1.7K views
AnjistarAnjistar Forumite
36 Posts
edited 30 November -1 at 1:00AM in Weddings & Anniversaries
My daughter wants to have a ceremony at home as part of a weekend festival-type wedding. The legal bit will be done already but apparently as long as there is some kind of ceremony it still counts as a wedding for insurance purposes. Our garden is not quite big enough but our friendly neighbour has offered us the use of his field next to our house at no charge, and we would be using the garden as well.

However.
1. Wedding Insurers don't seem to provide cover for home weddings.

2. Our home insurance won't include any cover for public liability in a field, even if we have a contract to say we're renting it.

Has anyone had a similar situation and how did they resolve it?

Many thanks
AC

Replies

  • My goodness...This is something you would not imagine you needed in your own home..

    Im glad you have mentioned it.

    What other legalities need to be sorted for a wedding in your own home/gardens, if I may ask?
  • I'm really glad you posted this, because its something that is becoming more popular now, as the trend seems to be moving away from soley having your wedding reception at a country house or similar.

    It is something I have been considering, I have to admit.
  • edited 31 August 2015 at 3:53PM
    TonyMMMTonyMMM Forumite
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    edited 31 August 2015 at 3:53PM
    If the usual wedding insurers won't cover it (presumably because the wedding will have already happened) then you need to look at the non-wedding options.

    Ask your home insurance provider what they would offer as cover for any type of party you decide to have at home or in your garden - if that isn't enough you may need to speak to a specialist broker - you need to be looking for insurance cover that would be appropriate for any sort of other "event" ... mainly I suspect to cover public liability.


    What particular aspects of the event are you looking to insure ?
  • TonyMMMTonyMMM Forumite
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    Part of the Furniture 1,000 Posts
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    What other legalities need to be sorted for a wedding in your own home/gardens, if I may ask?

    You can only have a legal wedding in your own home/garden if it is licensed as a wedding venue (which is possible, but not cheap, to do).

    Otherwise, you can do anything you like that pretends/appears to be a wedding ceremony - it just isn't legally a wedding and that element still has to be done in the usual way at a register office, church or other approved venue.

    (that's for England/Wales - law in Scotland is slightly different).
  • I was just wodering about the insurance aspect for a gathering of people, whether it's a garden party or wedding...
    and I think the kind replies have covered the subject nicely.

    Thank you :-)
  • edited 3 September 2015 at 10:15AM
    AnjistarAnjistar Forumite
    36 Posts
    edited 3 September 2015 at 10:15AM
    A quick update:

    I have finally got everything covered but had to use three different companies.

    my-weddinginsurance.co.uk are covering the wedding - supplier failure, losses on the day, people falling ill, etc

    Insuremyevent are covering the field and public liability - in case anyone trips over a tussock in the high heels they were warned not to wear and feels like sueing us for their broken ankle!

    I took out the tipi hire company's own cover for damage to the tipis.

    Our home & contents insurance will cover anything happening in the garden, apart from wedding gifts unless they are in a locked room in the house and there is someone present. So the gifts (if any, not decided yet) will stay in the tipis until the end of the day, where they are covered by the wedding insurance.

    Not cheap at a total of £292, but from the other side of disaster it will look like peanuts, and if all goes well, a year or so down the line we won't even remember what we paid.

    Onwards & upwards...
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