There has been a huge increase in wedding insurance enquires over the past week as a result of the continued spread of coronavirus, COVID-19.
Many couples are naturally concerned about the impact of the potential spread of the disease and the effect this may have on their wedding plans. Not only is there the emotional investment that has gone in to planning the big day, but there are usually some large deposits at risk too.
Whilst we’re unable to comment on policy specifics or whether any particular policy or insurer would or wouldn’t cover a particular set of circumstances, we can look at this in general terms.
What if there is an issue with our venue?
If there’s an issue with the venue, for example they cancel or, if there’s an ‘outbreak of infectious or contagious disease’ there, you may be covered by your wedding insurance for cancellation or rearrangement.
What if one of our family members is ill?
If you or a close relative is ill and unable to attend the wedding, you may have cover under a wedding insurance policy.
What if we choose to not go ahead with the wedding?
At this point in time, other than to a few very specific countries and areas, there is no Government advice to avoid travel or large-scale gatherings and events.
Whether your wedding is here in the UK or abroad, if you choose to not go ahead with it due to concerns about coronavirus, your wedding insurance policy is probably not going to cover you. This is a situation known as ‘disinclination to marry’ and is no different to simply changing your mind or getting ‘cold feet’.
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Please see the full comparison table for all levels of cover available from these insurers.
What if there’s a problem with our honeymoon?
Honeymoons are generally not covered by a wedding insurance policy. You’ll need separate travel insurance for that.
The same logic applies though as choosing not to go ahead with your wedding. If there’s specific Government advice to avoid travel to that country or region, they you may be covered by your travel insurance policy. If you choose not to go though, then it’s likely you won’t be able to make a claim.
Obviously, this is a rapidly developing situation and we will keep this page updated as more information is available. As always, please read specific policy wording carefully and speak to your insurer if you’re worried about a particular situation being covered.