FAQs

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

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.

• We understand that this is a difficult time. Please remember to call us to discuss before rearranging or cancelling any of your wedding arrangements or making a claim.
  
  
• If you are thinking of claiming, check your policy wording and refer to the FAQs below to understand if your claim may be covered.
  
  
• 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.
  
  
• 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.
  
  
• 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 by the venue or a consumer is prevented from receiving any services because of the Covid-19 restrictions that apply.
  
  
• 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. Inform us about a date change.
  
  
• We will consider extending your cover provided the new date is on or before 28 February 2023.
  
  

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.

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. However, there are currently no legal restrictions in the UK that would prevent your venue from holding a wedding, civil partnership or reception. Please note your venue or other wedding supplier could ask you to adhere to some Covid-related health and safety measures at your wedding, civil partnership or reception that would not prevent the event from going ahead.

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.

Please note the potential for legal restrictions to be re-introduced at different times and places if cases significantly increase or if a new variant of COVID-19 arises.

In all cases of potential cancellation or rearrangement, you will need to check the stipulated criteria in place that are relevant for the location of your wedding. You should also contact the venue and other suppliers as soon as possible to discuss your options and 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 the venue itself is unable to hold your wedding due to an outbreak of 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.

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.

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.

Yes - if a close relative or member of the wedding party (as defined in the policy wording) has tested positive with COVID-19, and it is inappropriate to hold the wedding, cancellation would be covered should the positive test result be no more than 10 days prior to the date of your wedding ceremony/reception. We may ask for supporting evidence such as a positive PCR or LFT COVID-19 test result. Please contact us before making any decisions or cancelling any arrangements.

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.

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.

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.

If your Wedding cannot go ahead as planned due to government restrictions on weddings or because the prospective marriage/civil partners, your close relatives or members of your wedding party are ill, and it would be inappropriate to continue with the wedding, we may agree to extending your policy to cover the date of the postponed wedding.

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.

We will consider extending your cover provided the new date is on or before 28 February 2023.

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 and 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.

Lines are open Monday to Friday 9am - 5pm, Saturday 9am - 1pm. Closed on Sunday.