It is vitally IMPORTANT that you seek legal assistance with regard to your rights in respect to either the cancellation or postponement of any wedding service.

If you do not seek legal guidance and take appropriate action you could lose your deposit as well as taking on further risks which may apply even if your wedding is insured.

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Coronavirus has been described as the biggest threat the UK has faced for decades, the Government have imposed a ban on all social events including weddings. This means all weddings and parties booked in the coming weeks will be cancelled.

The landscape is changing daily with both large and small businesses suffering immediate trading problems brought about by the lockdown. The longer the lockdown continues the stronger the likelihood of businesses failing and ceasing to trade heightens with the hospitality sector predicted to suffer probably the highest failure rate.

Taking this into consideration people who have booked weddings in the future should be mindful that any deposits paid to date are at high risk of being lost with no chance of refunds.

Even if you have insured your wedding you would be wise not to be suckered into a false sense of security. This is the time that all small print of insurance policies should be scrutinised so as the person is fully aware of what cover is in place and what exclusions apply. This is NOT the time to be complacent or reliant upon unqualified legal advice.

We provide access to a Solicitors evaluation of any wedding contract either if you have wedding insurance or not. The purpose of evaluation is provide interpretation and understanding of what is covered and not covered and what action should be taken.

This is NOT the time to be complacent or reliant upon unqualified legal advice.

What happens if your wedding service provider ceases trading?

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If your wedding service provider CEASES trading the chances of securing a prompt return of a deposit may be virtually impossible unless a wedding insurance pays out.

Wedding suppliers who sease trading will fall into two categories,either being a limited company or a sole trader. Different measures apply to both categories including bankruptcy, administration, liquidation, CVA or IVA.

The longer lockdown continues the higher the risk of your wedding service provider ceasing to trade. The hospatality sector works on slender margins so any disruption to business can create trading issues.
 

Wedding Insurance
CHECK THE SMALL PRINT

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Most of the providers of wedding insurers have STOPPED providing policies to new customers due to the coronavirus outbreak. If your wedding is postponed existing policies will NOT be transferred to a new date.

If you have insured your wedding check the small print. Interpretation of the terms the policy is important. Due to the high level of claims insurers will seek reasons why not to pay out.

Legal advice is recommended to ensure what your insurance covers and what would prevent you from making a claim.
 



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Bridebook the wedding planning apt have published the following statistics:

Coronavirus will directly impact up to 64% of weddings in 2020 either by postponements, cancellations, or travel logistics. Additionally, 36% of all weddings will be lost with the wedding industry set to suffer loses of up to £87 billion.

It is estimated that 79,200 UK couples will need to re-arrange their honeymoons and 7.8 million wedding guests will need to change their travel plans.

The average cost of a UK wedding is £20,371.

Only 28% of couples have purchased wedding insurance

Be cautious accepting a Credit Note

If you are offered a credit note by your wedding provider on the basis that you will postpone to a new date as yet unconfirmed you should be cautious.

With dates later this year being filled quickly it may be that your wedding provider may not be able to accommodate you when you get round to confirming a date or worse still the provider stops trading.

Unless you are happy to take the risk you would be wise to request a full refund of what has been paid to date. You may find resistance to this request and may require legal assistance to recover your money.

Price Increase Protection

If you have postponed or considering postponing your wedding date with a supplier you should be mindful that you are adequately protected against future price increases.

The full impact of coronavirus is as yet unknown but it will no doubt affect future supplies and services if costs accelerate which is highly likely. In the event of rising costs sellers will have little option but to pass on price increases to the buyer.

The contract between the buyer and seller may or may not include a price increase clause. In either event, you are recommended to seek legal advice to ensure that adequate steps are taken to protect you.
 

Our Service

We provide access to a Solicitors evaluation of any wedding contract either if you have wedding insurance or not. The purpose of evaluation is provide interpretation and understanding of what is covered and not covered and what action should be taken.

We aim to respond within 24 working hours