Does your wedding insurance cover coronavirus cancellations and can you get a refund?
WHAT happens if your wedding day becomes memorable for all the wrong reasons.
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Some worried readers have asked about whether wedding insurance would cover them if the virus does impact life in the UK.
In Italy, the government has placed 16million residents in Lombardy and northern Italy on lockdown.
This includes the banning of weddings and other religious ceremonies such as funerals.
The extreme measures will remain in place for at least four weeks until April 3.
It’s understandable that if you’re getting married this summer you might be concerned about whether your big day will go ahead or not.
Will my wedding insurance cover me for coronavirus cancellations?
If in the unlikely circumstance that weddings were banned in the UK then it would depend on your policy.
You will need to check the terms and conditions and wording of your policy document.
Insurance would need to have been taken out to cover a booking before any lockdown or cancellation of public events was imposed.
Most policies would only pay out if the venue is closed by the relevant authority or due to the death, injury or sickness of a close relative.
A close relative is your partner, parent, parent-in-law, child, grandparent, grandchild or siblings.
What if my wedding is abroad?
If your wedding is abroad then you will only be able to claim for a refund if it’s in an area where the Foreign & Commonwealth Office has imposed a ban on travel, such as northern Italy.
You should be able to get a refund on your flights from your airline.
Insurance should cover you for venue and accommodation cancellations – but it depends on your policy.
How else can I protect my wedding?
If you pay over £100 and under £30,000 on a credit card then you’re covered under Section 75 of the Consumer Credit Act incase anything goes wrong.
You may be able to get the money back if the venue closes or the firm goes bust – but it’s not a substitute for insurance.
What are wedding insurers doing?
John Lewis has suspended customers from taking out new policies as it assesses the impact of the virus.
If your’re an existing customer then your policy is still valid. The Sun has contacted John Lewis for a comment.
Dreamsaver, covermywedding.co.uk, weddingplan insurance and Debenhams wedding insurance are still issuing quotes for cover online.
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