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How much would it cost to insure the royal wedding?

Royal Wedding infographic

One of the key dates in any Brit’s diary this year will be watching Prince Harry and Meghan Markle tie the knot on Saturday 19th May. Bridebook recently conducted a breakdown of how much the wedding will cost and it will come as no surprise that the wedding of the year has a budget to match the occasion, £31,969,873 to be exact. To put this in perspective, on average couples in the UK spend around £17,913 on their big day, that’s £31,951,960 less than Harry and Meghan’s.

WeddingPlan wanted to take this one step further to see how much it would cost to insure the Royal wedding. After some research and number crunching the WeddingPlan team found it would cost £128,051.64* to insure their special day. Below is a breakdown of estimated costs for each element of the day and how WeddingPlan could protect you from the worst-case scenario.

*This is a speculative assumption based WeddingPlans predictions.

Wedding attire

Total cost: £314,698

Meghan is expected to spend £300,000 on her dress alone. Whether Meghan chooses Ralph and Russo, Oscar de la Renta or Alexander McQueen the last thing she would want is for anything to happen to the dress she dreamt of as a little girl. WeddingPlan can help cover the reinstatement or replacement of Bridal Attire if is lost or damaged whilst in your possession.

This cost also covers bridesmaids, flower girls and page boys, as well as grooms wear. It is a tradition for the groom to wear a military uniform, therefore Prince Harry will most likely be sporting a tailor-made Royal Air Force uniform.

Photography & Videography

Total cost: £17,000

If their photographer did not turn up on the day or their photos were lost or damaged WeddingPlan can help cover the cost of unforeseen expenses necessarily incurred to take or refund any non-recoverable cost which they were originally contracted to pay.

Its yet to have been announced who Harry and Meghan want as their wedding photographer. But going off William and Kate’s wedding and Pippa Middleton’s it could either be Millie Pilkington or Hugo Burnand, neither being a cheap option.

Rings, flowers, attendant’s gifts and wedding cake

Total cost: £166,000

Whether your gifts being stolen, or the best man loses the rings WeddingPlan can help cover the cost of loss or damage to Wedding Rings, flowers, Attendants’ gifts, and the Wedding cake.

Floristry: £110,000

Meghan and Harry have selected London-based florist Philippa Craddock to design their wedding flowers, which will follow a natural wildflower theme. She will have her work cut out with two large locations to decorate and of course the bride's bouquet which will contain a sprig of myrtle. Another tradition that dates back to Queen Victoria.

Cake: £50,000

Claire Ptak of Violet Bakery in Hackney will be creating the cake for Meghan and Harry's wedding. The cake is set to be a lemon elderflower cake covered in buttercream and decorated with fresh flowers.

Wedding Rings: £6,000

Their wedding rings will be made from Welsh gold, a tradition the queen mother started in 1923.

Wedding cars and Transport

Total cost: FREE

If your private hire firm or the individual that you have booked your wedding transport with fails to meet their contractual obligations, WeddingPlan can help cover any costs incurred. Luckily for Harry and Meghan the Queen has a State fleet which consists of three Rolls-Royces, three Daimlers and two Bentleys. So, they won’t be short of choice.


WeddingPlan can cover the costs of failure of suppliers, which you paid out but didn’t get the benefit of. For example, if you needed to change venue because it has been damaged by floods or a supplier went bankrupt or into liquidation, WeddingPlan Insurance can help.

Venue: £350,000

Their ceremony will take place at St George’s Chapel at Windsor Castle, which they, of course, will get for free but their reception will be held St. George’s Great Hall.

Catering: £286,000

The happy couple will have around 800 guests to feed on the day and 2,640 members of the public who will be invited to Windsor for tea and scones.

Drinks: £193,000

It's more than likely that the celebratory fizz will come from the Royal Palace cellars, the value of the royal booze however will still amount to significant figure. Bridebook based this guesstimate on one glass of champagne for every 30 minutes of the reception and half a bottle of wine per guest. Followed by whiskey and cocktails. If these calculations are right they would be spending around £136,000 on champagne alone.

Stationery: £20,000

The wedding will require a number of stationary elements such as the invitation, the Order of Service, the menus and the stamps. The royal invitations have been produced by Barnard & Westwood and features The Three Feather Badge of The Prince of Wales printed in gold ink.

Music: £300,000

A royal wedding doesn’t just have your local DJ, Harry and Meghan need to account for bell ringers, organist, choirs, musicians for the reception and DJ. Music is a massive part of the day and does not come cheap. It has been rumoured Chris Martin from Coldplay or a mutual friend of Meghan’s such as Rihanna may make an appearance, even the Spice Girls have been rumoured to show.

Trumpets: £90,000

A royal event wouldn’t be complete without the traditional Royal announcement. The Ministry of Defence has made a request for 20 silver-plated fanfare trumpets each stamped with the Royal Coat of Arms. Each bespoke trumpet costs between £3,000 and £6,000.

Decoration and Production: £130,000

A lavish affair such as a royal wedding will require a massive amount of production, it has been predicted HRP Production Solutions will be responsible for the running of the day.

Church Fees: £175

St. George’s Chapel is the place of worship at Windsor Castle where the wedding will take place. Just like the rest of the public Harry and Meghan will need to pay their marriage fees.

Hair and Makeup: £10,000

It has been rumoured that Meghan will be using Belgravia’s Neville Hair & Beauty or Hannah Martin of Bobbi Brown and Richard Ward, who did Kate and Pippa’s wedding makeup and hair.

Entertainment: £55,000

With such a long guest list, Meghan and Harry will need to find some way of entertaining their 800 guests. It’s been predicted that the Royal Air Force will be at the very least some part of the wedding day, as well as some awe-inspiring fireworks to close the night.

Wedding Favours: £3,000

No one is sure what favours the couple will choose, but if Will and Kate’s wedding is anything to go by it might be something wearable. Will and Kate gave out 4,000 scarves from Centex, a manufacturer in India. The design incorporated brightly coloured dots and animal prints mixed with the Union Jack.

Toilets: £35,000

With 800 guests and 2,640 public guest’s toilets are a necessity but don’t come cheap.

Security: £30 million

Finally, the royal family will spend around £30 million on security alone. This will be Harry and Meghan's biggest and most necessary expenditure.

If you’re planning a wedding or exploring the option of wedding insurance, WeddingPlan can help make your wedding one of the most memorable days of your life. Why not protect your day with our competitively priced wedding insurance? We’re proud to provide a range of cover to suit virtually every type of wedding or civil partnership in a vast range of chosen venues. To check our terms & conditions quickly and easily in advance, read our wedding insurance policy documents (WeddingPlan Insurance is subject to limits and exclusions).