NOTICE

We have suspended applications for Wedding Insurance while we assess the impact of public health advice around coronavirus (COVID-19).

If you already have a policy, we can assure you that it remains in place unchanged.

Claims

We are receiving an extremely high volume of calls. Unless your wedding or event is in the next 14 days, please use this form to contact us about a claim.

Important update

2 October 2020, 2.45pm

Our FAQs below are aimed at answering questions you may have when reading your policy wording in relation to coronavirus (COVID-19).

Policy wording for Wedding Insurance

 

From 4 July 2020, the UK government allowed small weddings of up to 30 people to take place in England provided they are consistent with COVID-19 Secure Guidance.

From 15 August 2020 it was permissible to hold small wedding receptions in England (e.g. including a sit-down meal) of up to 30 people provided the same COVID-19 Secure Guidance is followed.

From 28 September, the number has been reduced to no more than 15 people that can legally attend a wedding ceremony or reception in England.

Please note that there may be different restrictions in place for weddings ceremonies and receptions taking place in other parts of the UK and overseas. Localised restrictions may also be in place either on your own residential location or the location of your wedding ceremony or reception. You will need to check the stipulated criteria in place that are relevant for your wedding.

If your own wedding and/or reception doesn’t fall within the relevant stipulated criteria your venue may need to cancel or re-arrange your wedding and / or reception. The Competition and Markets Authority have said it would expect customers to be given a full refund in most cases if a wedding needs to be cancelled or a consumer is prevented from receiving any services because of the COVID-19 restrictions that apply. Given the circumstances, we would expect your venue to offer to rearrange without charge or to offer a refund for cancellation, although this may differ from venue to venue. Please contact your venue to discuss your options and check what your agreement with the venue says in relation to cancellation by the venue. You will also need to contact your other suppliers to check your options. If your venue and other key suppliers are able to postpone and offer you a new date without you incurring additional cost, you need to tell us so that we can move your cover to the new date. If you don’t tell us of the new date, your wedding won’t be covered. Please inform us of the revised date.

If your venue or other key suppliers are not offering cancellation / postponement or your new date will lead you to make a claim under the policy, please contact us before cancellation or alteration of your arrangements.

Summary of cover in relation to coronavirus (COVID-19)

Our policy will provide cover if your venue for the wedding or wedding reception is unable to hold your wedding due to the outbreak of infectious or contagious disease, the venue is closed by the relevant authority, or the death, injury or sickness of you, your close relative or members of your wedding party (e.g. the best man, bridesmaids, page boys and ushers) that would make continuance of the wedding inappropriate, subject to the policy terms and conditions.

The relevant elements of cover can be found in Section 1 Cancellation or rearrangement and Section 8 Overseas cover. Some words in the policy are defined (including close relative and wedding party referred to above) within the ‘special meanings’ section on pages 6 and 7 of the policy.

We know that couples spend a lot of time choosing a venue and other suppliers which are perfect for their special day. In the event that a venue is required to cancel your wedding ceremony or wedding reception because of coronavirus (COVID-19), it is expected that they will offer you the opportunity to rebook or refund you monies already paid. Our FAQs below are aimed at answering questions you may have when reading your policy wording in relation to coronavirus (COVID-19).

FAQs about Coronavirus

Please note cover for cancellation of your wedding due to coronavirus (COVID-19) depends upon the specific circumstances of each claim.

The following is provided for general guidance purposes only and does not change the terms of your existing policy; if you need to notify us of an actual claim, please contact our claims team.

 

If I’m thinking of cancelling my wedding or making a claim, is there anything I should be doing now?

  • We understand that this is a difficult time. Please call us to discuss before cancelling or paying any large advance payments to the venue or other suppliers.

  • The policy requires you to minimise losses and we’d also expect you to maximise any available refunds. So before contacting us, please contact the venue and suppliers as soon as possible to discuss your options around cancellation, re-arrangement and refunding of amounts already paid. Please remember to contact us before you cancel your arrangements. 

  • You should also check the terms of any written agreement you have with the venue and other suppliers to understand what the position is where the venue needs to cancel or postpone your wedding that might allow for re-arrangement of the date without charge or a refund on cancellation. We may ask you to provide copies of your venue and supplier contracts as well as relevant correspondence with them and may restrict or limit cover in the event that we consider that you have not adequately minimised your costs.

 

If government restrictions in response to Coronavirus (COVID-19) mean that the relevant venue cannot hold my wedding, would the cancellation or postponement of my wedding be covered?

Yes – if the wedding venue is not permitted to hold the wedding due to any specific government legal measures in relation to public gatherings (that includes weddings), there will be cover under the policy subject to you minimising your costs.

For overseas weddings, the position will depend on the legal measures taken by the government in the country where your wedding is due to take place.

In all cases, you should contact the venue and other suppliers as soon as possible to check whether a refund or re-arrangement by the venue and other suppliers would be available. Please contact us before making any decisions or cancelling any arrangements that may lead you to make a claim under the policy.

 

If my venue offers an alternative date and I accept this but my other suppliers won’t change the date can I still claim for additional cost incurred?

Yes – if you rearrange the date of the wedding where cancellation of the original date is unavoidable and some suppliers are unable to make the new date, we will pay for any additional costs incurred in arranging alternative equivalent services to those originally booked, up to the amount shown in your Schedule. We would only pay the costs beyond those that you would have had to pay if the wedding had proceeded as originally planned.

 

I am getting married abroad. Would I be covered for cancellation should there be an outbreak of coronavirus (COVID-19) and we chose to cancel the wedding?

If the venue itself is unable to hold your wedding due to an outbreak of coronavirus (COVID-19) or is closed by the relevant authority this would be covered subject to you minimising your costs as described above. However, if you choose to cancel the wedding where your venue is able to hold your wedding then this is not covered.

If you decide to cancel your wedding, contact us immediately to inform us of the facts that have led you to this decision.

 

Would I be covered if the venue or any of my wedding suppliers cancel or go into liquidation as a consequence of coronavirus (COVID-19)?

Yes - the insurance covers irrecoverable expenses and deposits lost due to unavoidable cancellation or curtailment where the booked venue for the wedding or wedding reception is unable to hold your wedding due to the bankruptcy or liquidation of the booked venue. The insurance also covers additional costs and deposits lost following the bankruptcy, liquidation or failure to meet contractual obligations of any pre-booked wedding service provider.

 

What about if we paid for wedding goods, services or the venue for our cancelled or rearranged wedding on a credit card?

When providing details of your claim, we’ll ask you to tell us about any aspects which you paid for on a credit card. Under Section 75 of the Consumer Credit Act, your credit card company may be jointly liable with the supplier if something goes wrong with a product or a service you've paid for by credit card. If you have made contact with your credit card provider, then please let us know.

 

If any key people were unable to attend due to being ill with coronavirus (COVID-19), would I be covered for cancellation?

Yes - if a close relative or member of the wedding party (as defined in the policy wording) is sick with confirmed symptoms of COVID-19 (in accordance with official guidance produced by the NHS or the advice of other qualified medical practitioners), and it is inappropriate to hold the wedding, cancellation would be covered should the isolation period cover the date of your wedding ceremony/reception.

We may ask for supporting evidence such as a positive test result or medical reports if readily available in the circumstances. Please contact us before making any decisions or cancelling any arrangements.

 

If any key people were unable to attend due to self-isolating because of coronavirus, (COVID-19), but have not shown symptoms, would I be covered for cancellation?

If a member of the wedding party or close relative (as defined in the policy wording) is self-isolating but not sick, and your venue is still able to hold your wedding then cancellation is not covered unless it is the bride, groom or civil partner that is self-isolating due to test and trace (see below for more details).

If your wedding is due to take place in the UK within the coming weeks while restrictions on the number of people who can attend a wedding are in place, your venue might agree to cancel or re-arrange your wedding reception without charge.

If you wish to cancel your wedding, contact us immediately to inform us of the facts that have led you to this decision before cancelling any arrangements.

 

Does the policy cover cancelling/rearranging the wedding or reception if a member of the wedding party has been told to self-isolate by the NHS Test and Trace service?

If the bride, groom or civil partner or member of their household has been contacted by the NHS Test and Trace service and told by the NHS to self-isolate as a result of coming into contact with someone who had coronavirus (COVID-19), we will provide cover for the irrecoverable costs incurred to cancel or additional costs to rearrange the wedding/reception should the isolation period cover the date of the wedding/reception.

This extra cover only applies when the bride, groom or civil partner can evidence that they are required to self-isolate. It does not apply to any other members of the wedding party or other relatives.

 

If the Government advises not to travel due to the coronavirus (COVID-19) am I covered?

No – there is no cover for cancellation where the wedding venue is able to hold your wedding and the Government is only advising not to travel.

You should contact your travel company and travel insurer. You should also contact the venue and other suppliers as soon as possible to check whether a refund or re-arrangement without charge would be available.

If you wish to cancel your wedding, contact us immediately to inform us of the facts that have led you to this decision before cancelling any arrangements.

 

Government imposed quarantine rules affecting international travel mean we need to cancel or rearrange our wedding, as we and/or our guests are unable to comply with these new rules. Does our policy cover us for this situation?

No – if you or your wedding guests are required to be in quarantine but not sick, and your venue is still able to hold your wedding then cancellation or rearrangement is not covered.

You should contact the venue and other suppliers as soon as possible to check whether a refund or re-arrangement would be available.

If you wish to cancel your wedding, contact us immediately to inform us of the facts that have led you to this decision before cancelling any arrangements.

 

I am getting married abroad. Will I be covered if my flight is cancelled by the airline or the appropriate border controls due to coronavirus (COVID-19)?

No - this policy does not cover travel and/or general accommodation arrangements made for weddings taking place inside or outside the UK. You should contact your travel company and travel insurer. You should also contact the venue and other suppliers as soon as possible to check whether a refund or re-arrangement without charge would be available.

If you wish to cancel your wedding, contact us immediately to inform us of the facts that have led you to this decision before cancelling any arrangements.

 

Contact us with any
further questions

For claim-related queries please call us on 0330 102 2759 if you require any further information.

If your query isn’t urgent you can also get in touch by email we’ll aim to get back to you within 5 days.

If you have an urgent policy query please call us on 0330 102 2492.

John Lewis Finance and John Lewis Insurance are trading names of John Lewis plc. The John Lewis Registered office address is: 171 Victoria Street, London, SW1E 5NN. Registered in England and Wales No. 233462.

John Lewis plc is an appointed representative (Financial Conduct Authority No. 416011) of Royal & Sun Alliance Insurance plc. John Lewis Wedding Insurance is underwritten by Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St. Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202323).

Copyright © John Lewis Partnership
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