Wedding in Spain

spb261283

Good Morning Steven,

 

Thank you for your recent email. I do know how distressing the cancellation of your wedding must be for you both.

 

With regards to the below email, I would respectfully advise you that insurance policies, such as the one covering your agreement have specific terms, conditions and exclusions.  Under Section A Part 1 - Cancellation

 

What You Are Covered For:

We will pay up to the amount shown in the

Summary for any irrecoverable expenses incurred

by You in respect of Ceremonial Attire /

Bridal Attire, flowers, photographs, caterers,

transport, accommodation and the services from

any other Wedding supplier booked but not used

as a direct result of the unavoidable cancellation

or curtailment of the Wedding or Wedding

Reception as the result of:

1. the booked venue for the Wedding or

Wedding Reception being unable to

hold Your Wedding due to an outbreak of

infectious or contagious disease, damage to

the venue, murder or suicide at the premises

or closure of the venue by the relevant

authority

 

I must explain the policy terms and conditions relating to “the closure of the venue by the relevant authority”. 

If there was an outbreak of an infectious or contagious disease at the venue (such as food poisoning, vomiting bug or coronavirus at that venue) which resulted in the closure of the venue by the relevant authority, then this would be covered.  However, in your individual claim circumstances, the venue was not closed due to an outbreak of an infectious or contagious disease at that venue.  It was the regulations imposed by the government on mass gatherings, social distancing and measures requiring people to stay at home, except for very limited purposes, which led to the closure of the venue.

 

Unfortunately, I am unable to agree that you would have a valid claim for the cancellation of your wedding  due to Coronavirus pandemic. 

 

I do hope that the email above clarifies our position and helps you to make decisions with respect to rearranging your wedding to a date in the future. 

 

If you have any further questions, please do not hesitate to contact us on the following telephone number: 01733 224 845, or by email to the above email address.

 

I look forward to hearing from you.

 

Kind Regards,

Deirdre Blake CIP

Claims Handler

White Horse Administration Services Ltd.

Registered Office: First Floor, Rineanna House, Shannon Free Zone, Shannon, Co. Clare.

Company registered in Ireland No. 467652
White Horse Administration Services Ltd is regulated by the Central Bank of Ireland

Life__Goes__On

spb261283 said:

1. the booked venue for the Wedding or

hold Your Wedding due to an outbreak of

infectious or contagious disease, damage to

the venue, murder or suicide at the premises

or closure of the venue by the relevant

authority

It's very clear the relevant authority is the Spanish Government,  it is also very clear the reason for the venue was closed is because of COVID-19 (they have even admitted that you are covered for that)
This I feel is important
"Your Wedding due to an outbreak of infectious or contagious disease"

Nowhere does it state that it is solely limited to just your venue,where as "damage to the venue" does mention the venue

In the rejection letter it states
"If there was an outbreak of an infectious or contagious disease at the venue"

So the reason for rejection is wrong  as your policy doesn't state it has to be at the venue, just  cancelled because of a virus (which it was.

I would sent the reply marked COMPLAINT as if you do that they have 8 weeks to reassess their decision
I would also point out,if you still reject the claim, you will be going to the Ombudsman who will make the final decision.

spb261283

Thanks so much for your advice on this I would never have even thought of going back to the insurance company. Hopefully we may have some hope of getting our money back

Life__Goes__On

It's a pleasure,  good luck with the claim and I hope you have a wonderful wedding,

spb261283

Thanks so much we will let you know what response we get from the insurance company. 

Stay safe 😊