Lyla Dejesus
Wedding insurance can protect couples against a range of unfortunate and costly events, from losing the ring, to suppliers going under or the entire wedding being cancelled. Wedding insurance with coronavirus cover is available from some providers, but it is important to note that this is typically offered as an optional extension to a standard policy. This means that couples will need to pay an additional premium to include coronavirus cover in their wedding insurance policy. Some insurers do not provide any cover in relation to COVID-19, and others have stopped selling wedding insurance altogether due to the high risk of cancellation claims.
| Characteristics | Values |
|---|---|
| Wedding insurance covering coronavirus | Wedding insurance covering coronavirus is available from some providers as an optional extension to a standard policy |
| Who offers it? | InsuraWedding, Dreamsaver Wedding Insurance, Emerald Life (as of March 2020), Event Insurance Services |
| Who doesn't offer it? | John Lewis Finance, Debenhams Personal Finance (as of March 2020) |
| What does it cover? | Cancellation due to the death or sickness of one of the marrying couple or a close relative after contracting coronavirus within 10 days of the wedding date |
| What doesn't it cover? | Cancellation due to coronavirus fears, self-isolation without a diagnosis, or travel disruption due to the virus |
| Other types of wedding insurance | Marquee cover, public liability cover, ceremonial sword cover, cover for damage to wedding attire, loss or theft of wedding rings |
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What You'll Learn
Wedding insurance with coronavirus cover
Wedding insurance can protect you from a range of unfortunate and costly events, including cancellations and rearrangements due to COVID-19. While some insurers do not provide any cover in relation to COVID-19, others, such as InsuraWedding and Dreamsaver Wedding Insurance, offer optional policy extensions that include Coronavirus coverage. This means that if either member of the marrying couple or a close relative contracts COVID-19 within 10 days of the wedding, you will be covered for cancellations or rearrangements.
It is important to note that wedding insurance policies vary, and not all coronavirus claims are valid. For example, insurers will not pay out if you cancel your wedding due to coronavirus fears or if guests are scared to come, as this is treated as a case of "cold feet". Additionally, if your wedding venue does not cancel the event and is still prepared to hold your wedding, your insurance policy may not cover the cancellation.
Furthermore, some insurers stopped issuing wedding insurance policies due to the coronavirus outbreak, as it presented a high risk of cancellation claims. However, existing policyholders were unaffected and could claim on their policies as normal. When considering wedding insurance with coronavirus cover, it is essential to carefully review the policy wordings and exclusions to understand the specific coverage provided.
To obtain wedding insurance with coronavirus cover, you may need to shop around and possibly speak to a broker. You can also extend your standard policy to include optional add-ons, such as public liability extension for wedding guests and marquee cover, in addition to coronavirus cover. By selecting the optional coronavirus cover policy option, you can ensure financial protection and peace of mind for your special day.
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Cancellation due to COVID-19
Wedding insurance is a great idea to protect yourself from unexpected events. However, it is important to note that general liability insurance covers property damage, accidents, or physical injuries, and does not apply to cancellations.
During the pandemic, many insurers stopped issuing quotes and suspended new applications for wedding insurance. This left couples in a difficult position, as they were unable to secure insurance for COVID-related cancellations. While some existing policies may have covered cancellations, this was not a guarantee, and couples were advised to carefully read the fine print of their contracts.
For those planning weddings in 2021 and beyond, it is unlikely that insurance can be purchased for expected or "known" causes of cancellation, such as Coronavirus. This means that couples cannot insure against future Covid-related cancellations.
However, some companies now offer optional Coronavirus extensions to their standard policies. For example, InsuraWedding offers a policy extension that includes Coronavirus coverage for an additional premium. This covers cancellations or rearrangements if the marrying couple or a close relative contracts COVID-19 within 10 days before the wedding. Dreamsaver Wedding Insurance also offers a similar optional Coronavirus Cover policy option.
Therefore, it is important for couples to carefully review the terms and conditions of their wedding insurance policies and understand what is covered and what is excluded, especially in relation to COVID-19 cancellations or rearrangements.
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Rearranging a wedding due to COVID-19
If you have wedding insurance in place, check with your insurer or broker to see what you can and cannot claim back on. If you have rescheduled the wedding, you may be able to move the insurance to the new date, but this isn't always possible. Some insurers offer a policy extension that includes COVID-19 coverage, which will cover cancellations or rearrangements if the couple or a close relative contracts COVID-19.
If you don't have wedding insurance or your claim is refused, try contacting your bank or credit card company. You may be eligible for a refund for at least some of the costs after explaining the situation. This is often easier if you've paid by credit card, but it's still possible for debit transactions. Your credit card provider is jointly responsible for any breach of contract under Section 75 of the Consumer Credit Act. For debit cards, you may be able to reverse a transaction through 'chargeback', although this is typically for payments under £100.
If your wedding venue cancels your booking without providing alternative options, you are entitled to a full refund, provided you did not cancel the wedding yourself. If the venue tries to charge a cancellation fee, this could be deemed an unfair contract term under the Consumer Protection from Unfair Trading Regulations and the Consumer Rights Act 2015. Keep an audit trail of all your communications with the venue, preferably conducted over email or letters, and if they refuse to comply, you may need to raise your dispute to the CMA (Competition and Markets Authority).
If you manage to reschedule your wedding, get in touch with your service providers, including catering, photographers, and florists, to check they're happy to accommodate the new date. Remember that this is likely to be a difficult time for them as well, so work with them to come to a compromise. If you have to cancel your wedding band due to COVID-19, some bands offer a full deposit refund.
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John Lewis wedding insurance policies
John Lewis Wedding Insurance offered six levels of cover ranging from £10,000 to £100,000. Couples could select the level that suited their budget, with the level of cover depending on the size and cost of their wedding and reception. John Lewis Wedding Insurance could cover you if you had to cancel or postpone your wedding because the bride, groom, close relatives or wedding party fell ill. It was also possible to add an extension to include COVID-19 cover.
However, John Lewis no longer offers wedding insurance. The company has stopped selling wedding insurance since COVID-19, and its treatment of customers during this period has been noted by couples arranging their weddings. John Lewis warned couples against cancelling without minimising losses, for example, by asking suppliers to give refunds or to rebook at a later date. The company also stated that it would only pay out if a person central to the wedding contracted COVID-19, and not if a key person was self-isolating without an actual diagnosis.
John Lewis Wedding Insurance was underwritten by Covéa Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
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Wedding insurance for guests
Wedding insurance is a way to protect yourself financially if something goes wrong in the lead-up to or on your wedding day. It can be used to cover a range of eventualities, including damage to property, illness, and injuries.
Guest liability insurance is designed to protect the event holder from most claims of guest injury or property damage arising from the event. This type of coverage is often required by the venue, which may ask to be named as an additional insured on the policy to protect itself from the event holder's actions. This can cover medical bills for guests who are injured at the event, up to the limits specified in the policy. For example, if a guest slips and falls, liability insurance can cover their medical bills.
Coronavirus Wedding Insurance
Some wedding insurance providers now offer optional extensions to include coronavirus coverage. For example, InsuraWedding offers an extension that covers cancellations or rearrangements if the marrying couple or a close relative contracts COVID-19. Similarly, Dreamsaver Wedding Insurance offers an optional Coronavirus Cover policy option that provides financial protection if the marrying couple or a close relative contracts COVID-19 within 10 days of the wedding.
It's important to note that not all wedding insurance policies include coronavirus coverage as standard, and some insurers don't provide any cover related to COVID-19. Be sure to carefully read the policy wordings to understand what is and isn't covered.
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Frequently asked questions
Wedding insurance can cover coronavirus, but only if you have selected this option and paid an additional premium. Some insurers don't provide any cover in relation to COVID-19.
Wedding insurance that covers coronavirus includes cancellation or rearrangement of the wedding if the marrying couple or a close relative contracts COVID-19 within 10 days before the wedding.
In this case, wedding insurance won't pay out.
Insurers would treat this as a case of having cold feet, and would not have to pay claims.
