26 August 2020

Planning a wedding during a pandemic

By Bethany Read Account Handler

Are you worried about your wedding being affected by the ongoing Covid-19 pandemic or considering whether now is the right time to be planning a wedding? If so, you’re in good company. As a budding bride myself, I understand the uncertainty that currently surrounds what is meant to be the best day of your life, and it’s no surprise that we’re feeling concerned – up  to 64% of weddings are estimated to have been impacted by Covid-19 in 2020 alone.[1]

If you purchased wedding insurance prior to the pandemic, then you may be wondering what will and won’t be covered. Not all insurance policies will cover postponements or cancellations due to Covid-19, so you should double check with your insurance provider. Which? conducted a survey and found that the following insurers will cover cancellation from your venue or other services: Debenhams, John Lewis, Emerald Life and Wedinsure (in certain cases).[2]

However, if you fall into the other category, like me, and you’re arranging your wedding in the midst of the pandemic, finding a wedding insurance provider is almost impossible.

Many people are therefore considering other ways of having their special day without the risk of losing their savings, with most wondering whether having their ceremony a little closer to home is an option.

Whether you’re planning your wedding in your house, a friend’s or a relative’s, having the celebration at home is a good way of keeping the costs down and making the entire day more personal and intimate. But have you considered the insurance implications?

By allowing guests into your home and employing service providers such as caterers, entertainment and marquee providers, there are additional liability considerations to take into account. Are the caterers fully insured for any food and drink poisoning that could happen? Will you be liable if the entertainers or any of your guests are injured on your property? If any of your guests fall ill or are injured, you will want the security of knowing that, if you are held legally responsible, there will be cover in place to protect you.

The good news is that the majority of the household policies that we arrange can cater for a one-off family event being held at the home and some can even offer cover for marquees! You must tell us about any event in good time so that we can talk to your insurer and confirm to you that cover is in place.  In addition many of our policies provide an automatic uplift to the contents sum insured to accommodate for wedding gifts you may receive so you don’t have to worry about talking to your insurance provider until you are back from your honeymoon!

What should you do next?

If you’ve booked your wedding through an external venue:

Contact the venue first to find out their policy with regards to cancellation as a result of Covid-19. Will they change the date free of charge? I would then recommend contacting your wedding insurance provider (if you have any) to find out if cancellation due to Covid-19 is covered so you know where you stand.

If you want to arrange your wedding at yours or a relative’s home:

Call your account handler to enquire about extending your liability to cover the wedding. If you’ve booked your honeymoon, we can also arrange your travel insurance, so call us today and let us help you plan your special day!

You can also email [email protected] to find out more.

 

[1] SOURCE https://www.which.co.uk/news/2020/06/what-does-coronavirus-mean-for-your-wedding-insurance/?wgu=5665_54264_15972223205652_679fd4441a&wgexpiry=1604998320&utm_source=webgains&utm_medium=affiliates&utm_content=22278&source_code=314AGJ

[2] SOURCE https://www.which.co.uk/news/2020/06/what-does-coronavirus-mean-for-your-wedding-insurance/?wgu=5665_54264_15972223205652_679fd4441a&wgexpiry=1604998320&utm_source=webgains&utm_medium=affiliates&utm_content=22278&source_code=314AGJ

 

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