Wedding car & vehicle insurance
Specialist insurance for wedding car operators, built around your vehicles, your drivers and the way you work.
What is wedding car & vehicle insurance?
Running a wedding car business is about more than driving people from A to B. You’re part of one of the biggest days of your clients’ lives, and the pressure to get everything right is real.
Standard motor insurance isn’t suitable for hire or reward work, so you need a policy that’s built around what you do. Our specialist wedding car insurance covers your vehicles for hire and reward work, and protects your drivers, too. We can also extend it to include business use.
We work with operators across the UK, including Northern Ireland, covering everything from a single classic car to a full fleet of prestige vehicles. Whether you run a traditional chauffeur service or a converted VW camper photo booth, we’ll arrange cover that fits your business.
Why do you need wedding car & vehicle insurance?
Wedding vehicles are often high-value. Many are irreplaceable. A vintage Rolls-Royce or a bespoke kit car isn’t something you can simply replace overnight, so your cover needs to reflect what it’s worth.
If you carry passengers in exchange for payment, you’ll need a policy that’s been extended to cover that, and one that accounts for the type of vehicles you operate.
There’s also the liability side to think about. If something goes wrong on the way to the ceremony, like an accident or injury, the consequences for your business and your reputation can be serious.
Having the right cover in place means you can handle the unexpected without it threatening everything you’ve built.
What we cover
At Wedding Insurance Group, we’ve been insuring businesses and specialist vehicles for more than 35 years. We can include the following in your policy:
Vehicles and drivers
- Multi-vehicle fleet cover under one policy, with one insurer and one broker
- Cover for a wide range of vehicle types
- Driver cover. including self-employed drivers
Motor cover
- Limited and unlimited mileage options
- Agreed value cover (optional)
- Unlimited windscreen cover – £100 excess applies, except for repairs
- Breakdown and accident recovery
- Motor legal expenses – £100,000 indemnity limit with 24/7 helpline
Liability cover
- Public Liability Insurance, up to £5m automatically included
- Employers’ Liability Insurance, includes self-employed drivers
- Options available to include a full package, or excluding liabilities
Personal and financial protection
- Extended personal accident cover (up to £30,000)
- Alternative transport arrangement (up to £2,000 if injury prevents you from driving)
- Inability to drive due to ill health (for named drivers)
- Personal effects cover (up to £1,000)
- Personalised registration plate cover (up to £5,000)
Specialist vehicle types we cover
- Classic and vintage cars
- Modern, luxury, prestige and performance vehicles
- Kit and replica vehicles
- Ex-military vehicles
- Mobile photo booths (including converted VW Campers)
- Vehicles used for mobile catering. Please see our Event and Mobile Catering Insurance page
Why choose Wedding Insurance Group?
We help protect the professionals and businesses who make weddings and events special.
The benefits of choosing your insurance through us include:
Specialist wedding and event industry knowledge
We understand the pressures and responsibilities that come with working in weddings and events, and we build cover that reflects them.
Cover built around your fleet
Whether you run one vehicle or many, we’ll put together a policy that fits your operation.
Easy to manage
Fleet cover arranged under a single policy keeps things simple and means there’s never any confusion about who to call.
Policies backed by leading insurers
We underwrite policies on behalf of the UK’s leading insurers, so you’ll always get solid, reliable cover at competitive terms.
Direct access to our team
When you call, you’ll always speak to someone who knows your business and knows your policy.
Claims support when you need it
If you do need to make a claim, we’ll guide you through the process to take some of the stress off your shoulders.
Frequently asked questions
Vehicles with up to eight passenger seats don’t require a licence for weddings and funerals. If you’re operating for other occasions such as proms, you’ll need to speak to your local authority about licensing requirements, as the rules can vary depending on where you’re based.
You’ll need a motor policy that’s been extended to cover hire and reward. Many standard motor policies don’t provide the right level of protection for a business that carries paying passengers, so it’s important to get this right from the start.
Yes. We can cover fleets that include a range of vehicle types, including classic cars, modern prestige vehicles, converted or ex-military vehicles, all under a single multi-vehicle insurance policy. This makes it much easier to manage your cover as your fleet changes over time.
Yes. We cover mobile photo booths such as converted VW Campers, and offer separate insurance for vehicles used for mobile catering. If your vehicle is a bit out of the ordinary, get in touch, and we’ll work out what cover you need.
Yes, agreed value is available as an optional addition to your policy, which you can update whenever you need to. If your vehicle is written off after an accident, you’ll receive that pre‑agreed settlement, minus your policy excess.
Wedding Car Key Covers
Read all the essential information you need to know about our wedding car insurance policies.
Download policy wordings
You require PDF viewing software such as Adobe Reader to view our policy wordings. Once you’ve installed your software, use the button below and select the download icon when viewing our PDF.
Ready to protect your wedding car business?
With specialist cover for vehicles and fleets of all sizes, we’re here to help you make sure every wedding day drive you take goes off without a hitch. Get in touch with our friendly team today, and we’ll build a policy around your vehicles, your drivers and the way you work.
