2020 wedding?… please read….
I have decided to take the unusual step of contacting all my 2020 couples in regards to Covid-19. This is really unprecedented and as such I feel it only right, and proper, to mention wedding insurance. It is a very sensible thing to purchase and doesn’t cost very much when compared to the large outgoings typically involved with weddings. In light of the unknown effects Coronavirus may have on you, your key wedding party members and wedding venues, now might be a good time to consider it if you haven’t already. Whilst I don’t wish to worry anyone unnecessarily, being prepared for worst-case scenarios, however unlikely, is of course prudent when large sums of money are involved.
What does wedding insurance cover?
Wedding insurance covers a problem with the venue or a supplier, or a key wedding party member falling ill. There is an excellent article describing how it can protect you from financial loss and how to choose an insurance provider here on the Money Saving Expert website.
What does this mean in terms of my Wedding photography?
As per the contract, your wedding deposit is non-refundable. Your remaining payment is due 4 weeks before the wedding date, If you were to take out wedding insurance and had to cancel your wedding due to the venue cancelling or one of you becoming ill, you would be able to claim reimbursement for any payment made to us via your insurer, subject of course to your insurer’s T&Cs.
What if I become ill and can’t make the wedding?
In the event of myself becoming ill, firstly I can call upon an associate person for cover, they will be fully insured and with an excellent portfolio. In the event that they are also unavailable, we have a list of preferred and excellent photographers whom I regularly use and would call upon them for immediate cover, they too would fill the above criteria in regards to insurance and excellent portfolios. Finally, we are a part of numerous photography Facebook groups where people are often available for last minute cover should all other avenues be exhausted.
In short, you will not be left without cover.
Also If you’re going away on a honeymoon, please get travel insurance if you haven’t already. The sooner the better. Again, it’s relatively inexpensive but could potentially save you thousands. More info on the best insurers who have committed to covering coronavirus related cancellations can be found below:
I hope that helps and answers any questions you may have about wedding insurance and Coronavirus. As I’ve said, I don’t wish to worry you – the opposite in fact. Forewarned is forearmed 🙂
If you have any questions about anything I’ve mentioned or anything at all wedding or photography related please don’t hesitate to get in touch. I’d also be interested to know what your thoughts are related to wedding insurance, coronavirus, etc.