Cancellation or wedding package insurance mainly protects deposits already paid if the event is postponed or canceled for a covered reason (serious illness, death, sometimes extreme weather).
It is not mandatory in France. Worth considering if you signed high-deposit contracts 12 to 18 months out, or if postponing would cost more than the premium.
Often covered
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Illness or accident preventing the couple or a close relative from attending
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Death of a relative defined in the policy
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Bankruptcy of an essential vendor (per policy terms)
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Property damage on the day (optional liability cover)
Often excluded
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Change of heart without medical or legal grounds
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Covid or epidemics (check clauses)
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"Normal" rain for outdoor receptions without a contracted plan B
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Beauty running late or pre-wedding stress
Ballpark cost
Budget 1 to 3% of total spend for cancellation cover, sometimes more with liability. On €20,000 that is €200 to €600.
Buy after you have a date and signed quotes, and read the waiting period (often 48 hours to 15 days after purchase).
How Fiancé can help
Add an "insurance" line in Fiancé's budget as soon as you pay the first caterer deposit. The budget calculator shows the impact on your overall cap. Disclaimer
Please be advised that the contents of this article are intended for general information purposes only and not professional advice. The information contained herein is for informational purposes only. Nothing herein shall be construed as legal, financial, or tax advice. The content reflects the opinions of the author and/or the Drakkar Software team. Drakkar Software does not guarantee any particular outcome.
About the author
Camille
Budget, guests & seating expert