What is wedding insurance?
A wedding costs hundreds of thousands to millions of baht, most of it paid as deposits months ahead. Wedding insurance (formally Event Cancellation Insurance) pays back the wedding costs you actually spent and cannot recover from anyone when the wedding is cancelled, postponed, stopped part-way or moved because of a cause the policy names, so you don't carry the whole loss yourself.
The plan One2go sells is Navakij Insurance's wedding risk product: 5 plans with a limit of 150,000 / 300,000 / 500,000 / 700,000 / 1,000,000 THB for the whole insured period.
What wedding insurance covers
Pays the wedding costs lost when the wedding is stopped, cancelled, postponed or moved for these 5 causes only (named perils)
The venue is damaged
The venue or the wedding's property is damaged by fire, lightning or explosion
A parent dies in an accident
A legal father or mother of the groom or bride dies in an accident
The groom or bride dies in an accident
The groom or bride dies in an accident
Emergency illness, 9 conditions
Heart disease, stroke (bleed or blockage), fluid around the heart or in the chest, appendicitis, bowel obstruction, hernia, kidney and ureter stones, kidney infection, gallbladder inflammation
Groom or bride hospitalised after an accident
Injured in an accident and admitted as an in-patient (6 hours or more in a row)
4 situations it pays for
- Cancellation — the wedding can't start as planned
- Postponement — it has to move to a later date
- Abandonment — it started but can't finish
- Relocation — it must move venue for an unforeseen reason
Which costs you can claim
Costs actually spent, that nobody will refund, with documents to prove them, up to the plan's limit
Venue and food
Hotel or venue, venue and banquet deposits, food and drinks, wedding cake, decoration, sound system and projector hire
Wedding services
Wedding dress deposit and hire, make-up, hair, photographer, souvenirs, invitation cards and other wedding services
The couple's travel
The couple's domestic travel from home to the venue: car or van hire, flights
How much does wedding insurance cost?
Premium (THB) by insured period, from the day you buy to the end of the wedding, duty and VAT included — Navakij Insurance's own table
| Period up to | Plan 1 Cover 150,000 | Plan 2 Cover 300,000 | Plan 3 Cover 500,000 | Plan 4 Cover 700,000 | Plan 5 Cover 1,000,000 |
|---|---|---|---|---|---|
| 1 month | 300 | 700 | 1,100 | 1,600 | 2,300 |
| 2 months | 700 | 1,400 | 2,300 | 3,200 | 4,500 |
| 3 months | 1,000 | 2,000 | 3,400 | 4,700 | 6,800 |
| 4 months | 1,400 | 2,700 | 4,500 | 6,300 | 9,000 |
| 5 months | 1,700 | 3,400 | 5,600 | 7,900 | 11,300 |
| 6 months | 2,100 | 4,100 | 6,800 | 9,500 | 13,600 |
| 7 months | 2,400 | 4,700 | 7,900 | 11,000 | 15,800 |
| 8 months | 2,700 | 5,400 | 9,000 | 12,600 | 18,100 |
| 9 months | 3,100 | 6,100 | 10,100 | 14,200 | 20,300 |
| 10 months | 3,400 | 6,800 | 11,300 | 15,800 | 22,600 |
| 11 months | 3,800 | 7,400 | 12,400 | 17,300 | 24,800 |
| 12 months | 4,100 | 8,100 | 13,500 | 18,900 | 27,100 |
How to choose your plan
- 1. Cover ≈ the money you'd lose — add up deposits and costs you can't get back, not the whole budget
- 2. The period must reach the end of the wedding — count from today to the wedding's last day and round up: 4½ months = 5 months
- 3. Buy when you pay the deposits — anything that happened or that you knew about before buying can't be claimed
- 4. Keep every receipt and contract — claims are paid on documented costs
Conditions and what is not covered
✓ Conditions
- Insured = one couple (groom and/or bride), Thai nationals only
- Groom and bride aged 50 or under
- A wedding in Thailand; one policy per wedding
- Up to 12 months; ends at the end of the period or of the wedding, whichever comes first
- Engagement and after-party covered only on the wedding day itself
✕ 対象外
- Anything known before buying, or that happened before cover started
- Calling it off or postponing for any reason outside the 5 causes
- Terrorism, including any bomb threat
- War, invasion, civil war
- Nuclear and radiation risks
Wedding insurance FAQ
What is wedding insurance?
Wedding insurance pays back the wedding costs you have actually spent and cannot recover when the wedding is cancelled, postponed, stopped part-way or moved because of a cause the policy names, such as a fire at the venue, an accident to the couple or a parent, or the couple's emergency illness.
How much does wedding insurance cost?
From 300 THB (150,000 THB cover, up to 1 month) to 27,100 THB (1,000,000 THB cover, 12 months), duty and VAT included. The price depends on the sum insured and the time from buying to the wedding day.
How far ahead should I buy it?
Any time after you book the venue; the longest insured period is 12 months. Pick the period that runs from today to the end of the wedding. Buying early covers more of the run-up, but nothing you already knew about before buying is covered.
Who can buy it?
One couple (groom and/or bride), Thai nationals, aged 50 or under, for a wedding held in Thailand. One policy per wedding.
Are the engagement and after-party covered?
Only when they are held on the same day as the wedding. On a different day they are not covered.
Can I claim if we change our minds?
No. It pays only for the named causes (fire, lightning, explosion, accident, or the 9 listed emergency illnesses). Calling it off for any other personal reason is not covered.