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Policy Guide


To make your life a little easier, we’ve put together this handy guide. It gives you an idea of the help and support you can expect from us when you take out a policy. Plus, a few tips that will help make your wedding a day to remember for all the right reasons. We also hope you’ll find it useful if you need to make a claim.

For full information about your policy, please refer to your policy document (PDF).

Click here for more information about how to make a claim

Select a heading below to read our tips and advice and if you have any questions call us on
0845 078 7527
, we’re here to help.

We want to make sure you know exactly what you’re covered for and that you have all the information you need should you have to make a claim.  

  • Failure of suppliers and/or loss or damage

If one of your suppliers lets you down and/or you accidentally damage something as important as your wedding dress, we wouldn’t want it to ruin your big day. So we cover your wedding attire, wedding flowers, wedding cake, wedding cars and transport, wedding photography and video and your wedding stationery against accidental loss or damage.

We also provide cover if your supplier goes bust or can’t deliver what was promised.

Bear in mind, cover is for the cost of services that haven’t been fulfilled or for any additional costs to arrange an equivalent supplier. For example, if your photographer fails to turn up on the day, there's no compensation for the stress this may have caused, only for the irrecoverable deposit or additional cost in arranging another photographer.  

Top tip: Research your suppliers to make sure they are well-established – if your caterers go into liquidation you may have to cancel or rearrange. Make sure you keep receipts and written agreements and contact your suppliers a couple of weeks before the big day to confirm details. If someone you know, family or friend, is supplying something for your wedding, it’s important that you have a written agreement with them too.  

  • Wedding Rings Cover

You’re covered for loss of, or damage to the wedding rings from the purchase date of the policy, right through to 24 hours after the wedding.  

Top tip: Wedding rings are easily mislaid, so keep them safe. If the best man is looking after them make sure he keeps them with him at all times.  

  • Wedding Gifts Cover

We’ll cover your gifts for the unexpected. So if your new 24 piece dinner service ends up in a hundred pieces, we’ll pay up to your chosen level of cover as long as the gifts are being stored by you, a close relative or a member of your wedding party. This includes damage or theft in transit to or from your wedding or when they are on display on the big day. Please note, the cover starts seven days before the wedding and continues for 24 hours after.  

Top tip: If you do display your gifts at the wedding reception, make sure someone keeps an eye on them at all times. Many venues are not exclusive or are open to the public so you need to be sure to keep your gifts in a locked room if unattended to avoid theft. 

  • Cancellation or Rearrangement Cover

It’s upsetting having to cancel or rearrange your wedding due to the unexpected. But we can help by covering the costs up to your chosen level of cover for any expenses you’ve paid for or for any additional costs incurred for rearrangement. This covers the prospective marriage or civil partners’ outfits and services booked but not used as a result of the unavoidable cancellation or curtailment of the wedding or wedding reception. 

Top tip: The most common reason for postponing or cancelling a wedding is when a member of the wedding party falls ill. Make sure you have a list of all the necessary phone numbers and give it to someone you trust. They can take the pressure off by making some of the important calls for you. 

  • Cover for overseas weddings

If you're getting married abroad and you’ve purchased Overseas Cover, your policy will have the same cover applied to anything relating to your wedding. 

Top tip: John Lewis Travel Insurance can provide cover for your honeymoon. We have a range of options available and all levels of cover come with the same great value and outstanding customer service. For more information or to get a quote call 0800 953 2552. 

  • Marquee Cover

If you're holding your wedding or reception in a marquee and you have purchased Marquee Cover, make sure you keep any contracts and receipts from the marquee company. You also need to be clear about what else they're providing – tables and chairs, and catering equipment etc.

Top tip: Make sure the marquee company has checked the location is suitable for a marquee. For example is there a risk of flooding or could any trees fall on the marquee?

We can help you to cope in the build up to your big day. And if things do go wrong, we’ll give you free legal advice and assistance if you need to rearrange your wedding.

  • Stress Counselling Helpline: 0845 078 7587

Organising a wedding can be very stressful and it’s normal to feel nervous as the big day approaches. Sometimes it’s enough to speak to a close friend or family member. But if you’re more comfortable speaking to someone privately, you can call our specialist team of experienced, qualified counsellors. This service is provided by FirstAssist Services Limited and it’s free while you have insurance with us.

If you'ld like to speak to someone, please call 0845 078 7587 and quote scheme reference 72707. Lines are open 24 hours a day, 7 days a week. 

  • Legal Advice Helpline: 0845 865 2131

If you have a contract dispute with one of your suppliers over the service provided – for example the food wasn’t up to scratch or the flowers were late, you can call our Legal Advice Helpline on 0845 865 2131 and quote scheme reference 72707 for free legal advice.

  • Rearranging your wedding

Rearranging a wedding is almost as much work as arranging one in the first place. If you want to keep the same venues, you may have to wait as they tend to be booked up well in advance. Finding a different venue may be a good way to minimise delays.

Once that’s sorted, you’ll need to get in touch with your suppliers to give them as much notice as possible. Be aware that you may need to find new suppliers.


We have carefully selected Royal & Sun Alliance Insurance plc to underwrite John Lewis Wedding Insurance.

Terms, conditions, limitations, exclusions and eligibility criteria apply.

John Lewis Insurance is a trading name of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England (No. 233462). John Lewis plc is an appointed representative of Royal & Sun Alliance Insurance plc. John Lewis Wedding Insurance is underwritten by Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St. Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202323). Calls may be recorded and monitored.

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