Indian weddings are no less than a celebration. Months of preparation, lakhs and crores of rupees spent, and numerous desires. But imagine what if the venue is changed at the last minute due to heavy rain, or the decorations are damaged? Or if the wedding jewelry is stolen? In any such unfortunate event, all your hard work and money could go to waste. To allay this fear, 'Wedding Insurance' acts as a protective shield.

In India, people now want to make their weddings not only memorable but also safe. This is why the wedding insurance market has grown rapidly in 2025. This insurance is not just a paper document, but it gives you the peace of mind that if something goes wrong, you won't be burdened.

What does this insurance cover?

Wedding insurance primarily works in two major areas. The first is 'cancellation cover'. If a wedding has to be postponed due to a natural disaster (such as an earthquake or hurricane), a fire, or a family tragedy, this insurance reimburses your advance payment. Money paid to the caterer, venue, and photographer will no longer go to waste.

Another major component is "Theft and Damage." Jewelry and expensive gifts are at the highest risk at weddings. If jewelry is stolen during a wedding or property is damaged due to a fire, the insurance company will compensate. Additionally, "Public Liability" coverage is also available. This means that if a guest is injured at the wedding or the venue is damaged due to an accident, the insurance company will cover the legal and medical expenses.

Affordable Premiums and Great Benefits
Many people think that insuring such a large event will be very expensive, but in reality, this is not the case. Typically, wedding insurance premiums are only 0.5% to 2% of the total budget. For example, if your wedding budget is ₹20 lakh, you can get a good cover for between ₹5,000 and ₹15,000.

In India, leading companies like Bajaj Allianz (Wedding Protector), ICICI Lombard, and HDFC Ergo offer excellent plans in this area. Some companies even provide accidental cover for the wedding couple. This is crucial for couples planning a destination wedding, where the risk is slightly higher.

What to keep in mind?

It's important to understand a few things when purchasing wedding insurance. This insurance does not cover a change of heart, meaning the bride or groom refuses to marry. Furthermore, claims will not be covered if any illegal activity occurs during the wedding.

The right time to purchase it is when you start paying large advances to vendors. Keep all your expenses and receipts handy, as these will be needed at the time of claim. In today's times, when weddings cost crores, taking out insurance for a few thousand rupees is a wise decision.

Conclusion
Marriage is one of life's most beautiful moments and shouldn't be affected by any financial crisis. Wedding insurance not only protects your money but also gives you the freedom to fully enjoy your special day. If you're planning a grand event in the near future, definitely include it on your list. After all, happiness is enhanced when it's accompanied by the assurance of security.

Disclaimer: This content has been sourced and edited from Zee Business. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.