VenueYour venue cancels — weeks out
Your venue enters administration three weeks before the day. Every deposit you've paid is gone.
Cancellation coveredWEDDING INSURANCE AUSTRALIA
You insure your car. Your home. But not the $40,000 day?
Welcome to Wedding Insurance Australia — Get instant cover from the wedding insurance experts who help you protect the most important day of your life.
- Wedding Cover includes
- Wedding Cancellation & postponement
- Severe weather & natural disasters
- Wedding Supplier failure & no-shows
- Wedding rings, attire & gifts
- Wedding transport & hired equipment
Get covered in less than two minutes
No payment until the final step.
$20m+ covered*of Australian weddings protected
Australian expertsspecialist wedding insurance
$0 excesson every claim, every tier
Why it matters
Weddings are emotional. They're also financial.
Most couples spend months choosing the right venue, photographer, and florist. By the big day, over $15,000 typically sits in non-refundable deposits across multiple vendors.
If a supplier folds, severe weather hits, or illness forces a change, that money is usually lost — through no fault of your own.
Most couples don't think about wedding insurance until someone explains what it covers. You're already ahead.
$36k
Average wedding cost
28%
Average budget overrun
69%
Face unexpected costs
<1%**
Of your spend on cover
Real scenariosVenue 
Supplier
Weather
Illness
Photography
Attire
These things do happen
Not scare stories — real situations that happen to Australian couples every season. Here's how cover responds to each.
VenueSupplierYour florist takes your deposit and disappears
$4,200 paid in advance. No flowers arrive. No calls returned. Your day, minus the blooms.
Supplier failure coveredWeatherA flash flood makes your venue unusable
Your outdoor ceremony was perfect — until 80mm of rain fell three hours before.
Rescheduling coveredIllnessYou break your leg 10 days before
Your wedding has to be postponed. Rescheduling every vendor comes to more than you'd think.
Postponement coveredPhotographyYour photographer doesn't turn up
No explanation. No refund offered. Your $3,500 deposit and the photos of a lifetime — gone.
Photography failure coveredAttireYour dress is damaged at the alteration shop
Your $5,500 gown comes back unwearable — five days before you walk down the aisle.
Attire & rings coveredFour levels of coverMost picked Most comprehensive
One policy. Four tiers. You choose.
Every tier covers the same nine core sections — you choose the limits that fit your wedding and your budget. All four carry $0 excess, with an optional COVID-19 add-on.
Essentials
Starter cover for smaller weddings
$335 inc GST
- Cancellation $8,000
- Supplier failure $3k
- Attire & rings $4k
+ 6 more sections
$0 excess — every claim
Get a quoteClassic
Everyday cover with doubled limits
$525 inc GST
- Cancellation $16,000
- Supplier failure $6k
- Attire & rings $10k
+ 6 more sections
$0 excess — every claim
Get a quoteSignature
Step-up cover for mid-range budgets
$855 inc GST
- Cancellation $35,000
- Supplier failure $15k
- Attire & rings $20k
+ 6 more sections
$0 excess — every claim
Get a quotePremier
Flagship cover for high-value events
$1,285 inc GST
- Cancellation $75,000
- Supplier failure $30k
- Attire & rings $40k
+ 6 more sections
$0 excess — every claim
Get a quote← swipe to compare tiers →
Full transparency
Upfront about what's covered
Know exactly what's covered, and what isn't, before you buy. Most insurers bury the exclusions. We don't.
What's covered
- Cancellation or postponement due to illness or injury
- Venue closure, insolvency or cancellation
- Supplier failure — photographer, florist, caterer, band
- Damage to or loss of wedding attire and rings
- Rescheduling caused by severe weather
- Photography or video failure on the day
- Loss of deposits paid to suppliers
What's not covered
- Change of mind or cancellation by the couple
- Events known or booked before the policy started
- Damage deliberately caused by the insured person
- Honeymoon travel (a separate travel policy covers that)
- Cash gifts or monetary contributions
- Pandemics and COVID-19 without the add-on
- War, nuclear incidents, or acts of terrorism
Questions & answersGet a quote →Get a quote →About Wedding Insurance →Get a quote →Get a quote →How claims work →
Things couples ask before they buy
What does wedding insurance actually cover?
Wedding Insurance AU covers the ten things couples worry about most: cancelling or postponing the wedding, rescheduling, a supplier going under, transport that fails, the dress or suit, the rings, the gifts, damage to hired equipment, COVID disruption, and support if the day can't go ahead. The PDS sets out the cover for each.
How much does wedding insurance cost in Australia?
Cover starts from $335 at the Essentials level, rising with the level of cover you choose — typically under 1% of the total wedding spend.
Who underwrites the policy?
Your policy is underwritten by Certain Underwriters at Lloyd’s, led by ARCH Managing Agency Limited. Lloyd’s has been insuring specialist risks for centuries. Wedding Insurance Australia is a brand of Niche Insurance Pty Ltd, a Lloyd’s Coverholder. Full underwriting details, including syndicate numbers, appear in the footer of every page and in the PDS.
When should I buy wedding insurance?
The earlier the better — cover can be bought once you start paying deposits, and at least 30 days before the wedding.
Is there a cooling-off period?
Yes — a 14-day cooling-off period. If you change your mind, you'll receive a full refund provided you haven't made a claim.
How do I make a claim?
Claims are administered by Proclaim and assessed individually against the policy. You'll find the claim form and steps on our Claims page.
Wedding locations
Will it rain on your wedding day?
The practical side of planning by place — weather through the year, the best months for guest comfort, permit notes and how guests get there. Explore your region before you lock the date.
Best: May–Jun, Sep–Oct
Byron Bay
Northern Rivers wet-season access — how February-March flood events close hinterland roads, isolate venues and create cascading supplier failures in a region…
23°Mar wettest
ExploreBest: Mar–Apr, Oct–Nov
Mornington Peninsula
Mornington Peninsula single-road access risk — Peninsula Link and Nepean Highway are the only arteries south of Frankston, with weekend closures and ferry ca…
20°Jul wettest
ExploreBest: Apr–May, Sep–Oct
Greater Brisbane
Brisbane weddings peak in the April-May and September-October shoulder windows — December to February brings severe storm cells, localised flash flooding and…
26°Mar wettest
ExploreBest: Apr–May, Sep–Oct
Gold Coast
Gold Coast beach wedding permits are free but capped at 50 guests, 10 chairs and one-hour duration — a regulatory footprint materially tighter than most Aust…
25°Mar wettest
ExploreBest: May–Oct
Tropical North Queensland
Tropical North Queensland weddings peak sharply in the May-October dry season — November to April wet season brings stinger-season coastal ceremony restricti…
27°Feb wettest
ExploreBest: Mar–Apr, Oct–Nov
Barossa Valley
Barossa Valley crush season (typically 14 February to early April) drives a material operational conflict — working wineries at Seppeltsfield, Yalumba, Penfo…
24°Jul wettest
ExploreReady when you are
Enjoy the planning. We'll handle the what-ifs.
No excess. 14-day cooling off. Instant certificate. See your price in a couple of minutes.
See my instant quote*Based on our internal data — an estimate derived from average insured wedding value across policies issued. Illustrates scale, not claims paid.
**Source: Moneysmart.