What Does Wedding Insurance Cover?Event Cancellation: Venue shutdown, natural disaster, pandemic restrictions, key family member illness.Vendor No-Show: Caterer, photographer, decorator, or band fails to turn up.Jewelry & Gift Theft: Theft, loss, or damage of wedding jewelry, cash gifts, and expensive items.Venue Damage: Accidental damage to the venue that you're liable for.Personal Liability: Guest injuries at the event, food poisoning incidents.Weather Disruption: Outdoor events cancelled or damaged by extreme weather.Wedding Insurance Cost BreakdownCover LevelSum InsuredPremiumBest ForBasic₹5-10 Lakh₹5,000-10,000Budget weddingsStandard₹10-25 Lakh₹12,000-25,000Mid-range weddingsPremium₹25-50 Lakh₹25,000-50,000Destination/luxury weddingsUltra₹50L-1 Crore₹50,000-1,00,000Celebrity-level celebrations💍 Real Scenario: A Delhi wedding in 2024: Venue flooded 2 days before the event. ₹8 Lakh advance lost. Caterer went bankrupt — ₹3 Lakh deposit gone. Total loss: ₹11 Lakh. Wedding insurance would have covered every rupee.What Is NOT CoveredChange of heart (cold feet) — cancellation by choice is excluded.Pre-existing disputes with vendors (known issues before buying policy).Illegal activities at the wedding.Normal wear and tear of rented items.Mental anguish or emotional distress (non-financial damages).Providers Offering Wedding Insurance in IndiaBajaj Allianz: Event insurance covers weddings, with customize add-ons.ICICI Lombard: Event cancellation policy adaptable for weddings.TATA AIG: Specialty event insurance with comprehensive coverage.Royal Sundaram: Jewelry and valuable protection for wedding events.Frequently Asked QuestionsWhen should I buy wedding insurance?

Buy it 6-12 months before the wedding — as soon as you start making advance payments. Early purchase ensures cancellation cover from day one. Most policies can be purchased up to 15 days before the event.

Does wedding insurance cover destination weddings abroad?

Some policies cover domestic destination weddings (Goa, Rajasthan, Kerala). For international destination weddings, you'll need a specialized international event policy. Check with your insurer for territory-specific coverage.

Wedding Insurance India: Protect Your ₹10-50 Lakh Dream Wedding

By Admin • Feb 23, 2026 • 📖 4 min read

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Insurance & financial content specialist at PolicyBaazar. Helping Indians make informed insurance decisions with expert analysis and unbiased reviews.

📅 Published: Feb 23, 2026 📖 810 words ⏱️ 4 min read

Wedding Insurance India: Protect Your ₹10-50 Lakh Dream Wedding

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