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Wedding cancellation cover


Getting married is one of the most important days of your life as you commit yourself to your partner and publicly declare your love
to the world.

All the planning, worry and expense has finally come to a head and you’re ready to celebrate your special day with family and friends.

The last thing you want to think about is something going wrong.

Q&A with John Brady

Q. What’s your background and what experience do you have in providing information about wedding insurance?

A. I've worked in financial services for 20 years, including banking, credit cards and insurance. The last five have been spent at the John Lewis Partnership, where I’ve helped to launch and develop John Lewis Insurance, including our personal insurance cover for cars, travel, pets, homes, events and of course, weddings. As a married man myself I also understand how much financial, organisational and emotional investment is involved in arranging your big day.

Q. What is Cancellation Cover?

A. If something happens which means you need to postpone your wedding, Cancellation Cover could provide you with any irrecoverable deposits if it is inappropriate to continue with the wedding ceremony and it is not due to a pre-existing medical condition. This could include additional costs, including ceremonial attire and wedding services that have been booked but not used.

Quotation MarksIf you do have to cancel it can be very upsetting, but Wedding Insurance can make the process of reorganising your nuptials a lot simpler.Quotation Marks

Q. When would I need it?

A. Although we hope that you won’t have to make a claim, there are several unfortunate situations where you might need to postpone your wedding:

  • The death, injury or sickness of a prospective marriage or civil partner, close relative or members of your wedding party which would make it inappropriate to continue the wedding. 
  • The inability of at least 50% of the wedding party or at least 50% of the guests to reach the wedding or wedding reception venue due to adverse weather conditions. 
  • The booked venue for the wedding or wedding reception being unable to hold your wedding because of: an outbreak of infectious or contagious disease, damage to the venue, incomplete building work at the venue, murder or suicide at the premises, bankruptcy, liquidation or closure of the venue by the relevant authority. 
  • Unforeseen posting overseas of a prospective marriage or civil partner

Q. How do I know what level of Cancellation Cover I will need?

A. We offer six levels of wedding cover for weddings costing from £10,000 up to £100,000. To decide how much Cancellation Cover you should take out, you will need to work out the approximate cost of your wedding. The amount that you’re planning to spend on your wedding will give you an indication of the level of Cancellation Cover you should have.

Q. What happens if I am underinsured?

A. If you have taken out Cancellation Cover that is less than the total cost of your wedding, then we will reimburse you for irrecoverable costs up to the value of the wedding cover you have taken out with us.

Q. Can I upgrade my Cancellation Cover if my wedding is costing more than I thought?

A. Yes, you can change your level of wedding cover at any time by calling
0845 078 7527
.

Expert tips

  • Always get contracts in writing and keep hold of all receipts in case you have to make a claim
  • Confirm everything with your suppliers and venue a few weeks
    before the wedding
  • Put payment dates on your calendar to ensure they’re paid on time
  • Keep a note of the cost of your wedding and increase your Cancellation Cover if necessary

For further tips and advice, please see our quick guide (PDF).

John Lewis Wedding Insurance homepage

Looking for more information
about Wedding Insurance?
Find out more here

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Terms, conditions, limitations, exclusions and eligibility criteria apply.

John Lewis Insurance is a trading name of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England (No. 233462). John Lewis plc is an appointed representative of Royal & Sun Alliance Insurance plc. John Lewis Wedding Insurance is underwritten by Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St. Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202323). Calls may be recorded and monitored.

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Given the amount of preparation, investment and anticipation that goes into a wedding, having to cancel or rearrange it can feel like the end of the world.

This guide should help if you find your big day is in jeopardy.

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However, if a supplier is suddenly unable to provide their services on your wedding day, insurance can help keep your day living up to your hopes.

Arranging wedding insurance doesn’t hold much romance, but as soon as you start spending money on your big day you’re in a vulnerable position.

John Lewis Insurance's expert tells us what Wedding Insurance can protect against and why you might want to consider buying it early on.