Your Wedding and Covid-19
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With Coronavirus-19, I really really do not know where to start with this one it’s such a terrible time for everyone!
But here goes.
This is my interpretation of the situation with regard to your Wedding and Coronavirus-19 at this time and based on my experience as a wedding photographer.
Wedding Insurance policies are designed to pay out if the Couple have to cancel or re-arrange their wedding due to unforeseen circumstances.
Will Insurance pay out for Coronavirus?
According to the Telegraph (21/3/2020) couples are being tied in knots by the wording! For example, “The ‘John Lewis‘ policy says explicitly it will pay out for cancellation caused by “the booked venue for the wedding or wedding reception being unable to hold your wedding due to an outbreak of infectious or contagious disease””
Simple? You would think?
Not so, as couple’s are finding their claims rejected!
Why! Because weddings have been banned by the Government the venue is not ‘cancelling’ and vis-a-vis the insurance will not pay-out. If you have insurance, check exactly what you are covered for, unfortunately most policies are unlikely to cover coronavirus.If you already have wedding insurance you may be covered for cancellation if you or your close family are ill or if the venue is closed down by the local authority. Look at the small print of your insurance.
They should all have coronavirus updates and FAQs so you should know exactly what you are covered for, however, there is a lot of debate about whether you’ll be able to claim, and if you are able to, what you’ll be covered for.
“If you are an existing customer, we can assure you that your policy remains in place and unchanged.” – John Lewis
Guides for brides : The fact that existing policies remain “in place and unchanged” may not be as reassuring as it appears. Insurance can only cover against “specific perils”. Many policies stipulate that this includes “notifiable diseases”. As COVID-19 is a new disease and was first registered as notifiable on 5th March 2020, a lot of insurers will not be obliged to settle claims relating to COVID-19. In essence, as Coronavirus didn’t exist, insurance companies couldn’t insure you against it.
If you postpone or cancel your wedding
With most wedding bookings, you pay a non-refundable deposit on booking, then pay the balance close to the wedding date. If the wedding doesn’t go ahead, as planned and on the date agreed, and it is you cancelling, you may still be obliged to pay for costs incurred to that date.
Most venues and suppliers are waiving this clause, especially if they haven’t incurred direct costs at the point you cancel. If the venue or supplier cancels, the contract almost certainly entitles you to a refund of anything you have paid. In both cases, my recommendation is to postpone, to a new date not cancel.
Your venue and suppliers will almost certainly incur financial losses if you postpone. They are not obliged to accommodate a change to your plans.
Confirm your new date as soon as you can. Venues and suppliers are already fairly booked up for the autumn and throughout 2021. If a lot of 2020 weddings are postponed there will be a shortage of popular/available dates.
Obviously, everybody’s main concern is the health and well being of friends and family, particularly on your planned wedding day. The health and wellbeing of your family and guest’s are a paramount concern together with ongoing travel and other restrictions.
Here at stevegauldphotography we have worked tirelessly with the couples who have postponed their big day to re-arrange a suitable alternative date without any financial penalty
If your venue/supplier can no longer host your wedding on your date, I would work with you to find a mutually acceptable/alternative date at your venue or any other location (even next year)
If you’ve had to reschedule your big day, please don’t be disheartened as its something to look forward to when it’s safe to celebrate!
More time to pay, plan and get plenty excited.. And when your original date passes… Your wedding will still be there to look forward too!
On a brighter side, It would be great to hear more about your wedding plans – very exciting times as we move forward so get in touch if you need more information