Wedding And Coronavirus

NG0605

Getting married start of May, wedding in a church, reception in a hotel.  90 day guests, 120 evening guests.  

We have emerald cover insurance with Debenhams. They confirmed this will cover us if government, local authority  or venue cancel but there are lots of disclaimers/clauses.....for example not cover if public gatherings of over 50 are enforced.....Or if florist contracts disease one week before as it’s deemed sufficient time to find another supplier.  We are covered if ourselves, parents or siblings contract disease and we need to cancel.

we've already paid around £3,000 in deposits for venue, suppliers etc and in the next fortnight need to pay of the sun to suppliers which is around £10,000.

I'm getting worried about paying the final balance in case something happens which isn't covered by the insurance. But if we choose withhold or delay payment there’s a number of issues.... insurance is invalid, we loose the service of the suppliers which would cause issue if wedding goes ahead and deposits to date would be lost.  All of which would be gutting if wedding can actually go ahead as planned.

Just wondering what people’s thoughts are and if anyone is in the same position?

p00hsticks

NG0605 said:

Just wondering what people’s thoughts are and if anyone is in the same position?

I think there are a few threads on the topic over on the Weddings board

https://forums.moneysavingexpert.com/categories/weddings-anniversaries

Undervalued

NG0605 said:

Getting married start of May, wedding in a church, reception in a hotel.  90 day guests, 120 evening guests.  

We have emerald cover insurance with Debenhams. They confirmed this will cover us if government, local authority  or venue cancel but there are lots of disclaimers/clauses.....for example not cover if public gatherings of over 50 are enforced.....Or if florist contracts disease one week before as it’s deemed sufficient time to find another supplier.  We are covered if ourselves, parents or siblings contract disease and we need to cancel.

we've already paid around £3,000 in deposits for venue, suppliers etc and in the next fortnight need to pay of the sun to suppliers which is around £10,000.

I'm getting worried about paying the final balance in case something happens which isn't covered by the insurance. But if we choose withhold or delay payment there’s a number of issues.... insurance is invalid, we loose the service of the suppliers which would cause issue if wedding goes ahead and deposits to date would be lost.  All of which would be gutting if wedding can actually go ahead as planned.

Just wondering what people’s thoughts are and if anyone is in the same position?

Plus, you could under some circumstances be liable for more than just the deposit. You have entered into a contract and if you break the terms of that contract the suppliers could look to you for their actual losses (which they have a duty to minimise as far as reasonably possible).